Refinancing your mortgage after bankruptcy is actually the same as replacing it with an entirely new mortgage. The most common reason for refinancing your mortgage after bankruptcy is to get a lower interest rate and save money over the length of your mortgage. It is possible for you to lower your payments and save money each month and there has never been a better time to refinance. Mortgage lenders will consider refinancing your mortgage after bankruptcy because the risks involved in refinancing an existing mortgage are extremely low.You can receive quotes from multiple lenders who are competing for your business, even if you have filed bankruptcy in the past. A quick online application will put you in touch with lenders who are experts in refinancing mortgages after bankruptcy. You can be pre-qualified in just minutes and the application is quick and easy. Refinancing your home, even after bankruptcy, can lower your payments and even give you extra cash for that well-deserved vacation, to consolidate bills, or to fund your child’s college education.If you thought refinancing your mortgage after bankruptcy was impossible, you will be pleased to learn that you can refinance and dramatically lower your monthly payments with one short online application. Lenders who are anxious to help you find the best refinancing package available for your special circumstances will contact you within as little as 24 hours after receipt of your application. A bankruptcy does not have to mean you are stuck with a high interest rate and less than desirable mortgage terms. Mortgage lenders have hundreds of loan programs that will help you meet your financial goals.If you have been through bankruptcy and are wondering if it is possible to refinance your mortgage, complete a short online application today and learn how much money you can save each month and over the entire length of your mortgage. The difference could mean thousands of dollars in your bank account over time. Get the information you need and learn how you can lower your monthly payments and get the cash you need for bills or unexpected expenses. Refinancing your home is the best way to take advantage of the lowest interest rates in many years.Refinancing your mortgage after bankruptcy is not impossible. Get free quotes today from multiple lenders with one simple online application. You have nothing to lose and you will find that mortgage lenders are prepared to offer you better terms than you thought possible. Lowering your mortgage payments and consolidating bills can make all the difference in your financial situation. You can be on your way to financial freedom when you contact mortgage lenders who will give you expert advice and offer you numerous choices in refinancing your home, even after bankruptcy.To view our list of recommended refinance lenders online who specialize in bad
credit mortgage loans, visit this page:
Refinance Lenders for People With Bad Credit or Bankruptcy.
The Crystal Wand has been specifically designed to easily reach and stimulate the G-Spot. The G-Spot is an area within the vagina with great sensitivity and is located in the anterior (front) wall half way between the cervix and the outer vaginal opening. The location varies slightly with each woman and is normally difficult to reach on her own. In some esoteric disciplines, the G-Spot is said to be the source of female creative power and the seat of Kundalini energy. Women have described orgasm stimulated from this area as “a deeper and more overwhelming feeling, a more pervasive flowing sensation throughout the body, of wider waves of feeling.” In Tantra Yoga, the G-Spot is said to be the feminine polarity of female sexuality and the clitoris is the masculine. Other uses of the Crystal Wand include anal stimulation of the prostate. It has been found to be of benefit, along with medication, for prostititus sufferers and also for stimulation of the prostate for sexual arousal in men. Read More..
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Whether you are working full-time, consulting, or in transition, Expert Networks allow you to share your knowledge with other professionals who value your expertise. Originally designed to provide insights to private and institutional investors, Expert networks have expanded to cover virtually every industry, profession and geography. Currently there are more than 40 networks specializing in everything from Education and Small Business to Life Sciences and Real Estate.How it worksTo join an Expert Network, you must complete a professional profile which includes a paragraph outlining your expertise, your work history, and technical certifications. Once completed, this information is stored in a database maintained by the network. When clients contact the network, a representative will match their needs with the profiles contained in their data base. If you are selected as a good match, a representative will contact you with details of the project, and ask you if you would like to proceed. In most cases, you will be given 24 to 48 hours to decide. If you agree, the representative will pass your information on to the client, and schedule the engagement. Typically, the first engagement will be conducted via telephone and last 30 to 60 minutes.Generally, a “micro-consultation” will begin with introductions and a statement of the client’s interest. You will then be asked to summarize your expertise. It is not uncommon for 3 to 5 individuals from the same organization to be on the phone with you at the same time. Typically, clients will have done extensive research prior to the call, and will be interested in reconciling their beliefs with opinions they receive from you and other experts. While most consultations will be limited to a single call, some will lead to extended due diligence projects, in person meetings, or even full-time employment. The extent of your participation will be entirely up to you.Benefits of ParticipationJoining an Expert Network is the first step down the path of becoming a true expert in your field. Some of the benefits include:1) Strategic, thought-provoking projects. Becoming an Expert Network consultant gives you the opportunity to take a look at your industry from a strategic prospective. After a few engagements, you will begin to get a better feel for how investors evaluate opportunities in your industry. This new perspective will allow you to better evaluate your competition and focus on areas where you have a competitive advantage.2) Competitive compensation. Expert networks generally pay well. Investor focused networks typically pay $150 per hour for telephonic consultations, while consumer focused networks pay less. Most consultants will not be able to make a living through the Expert networks because the engagements are too few and far between. Sometimes, however, initial consultations lead to extended due diligence projects, round-table discussions, white papers, or other long-term assignments.3) Extensive networking possibilities. Expert Networks take a lot of the awkwardness out of business networking. Everyone you meet will be actively pursing opportunities in your industry. They will be interested in your insights and have extensive contacts with important decision makers. It’s hard to find a better format for networking.4) Career Assessment. One of the most interesting ancillary benefits of becoming a member of an Expert network is the ability to see how your role fits into the larger scope of your industry. During your preparation, you will go through and identify all of your competitors, their strengths and weaknesses, and identify major trends in your industry. At that point, it’s very easy to see your potential career trajectory, and what changes you will need to make in order to capitalize on new developments.5) Visibility. In addition to consulting opportunities, most Expert Networks allow you to showcase your knowledge by publishing articles pertinent to your industry on their website. In many cases, these articles will precipitate micro-consulting opportunities and help you become known as an industry expert.6) Flexibility. One of the best features of the Expert Networks is their flexibility. Prospective engagements are emailed to you. You can choose to accept or decline, and specify your availability. Most of the engagements are conducted over the phone so they can be completed virtually anywhere. Finally, there are no long-term mandatory commitments. You can join more than one network if you choose, and you can select the types of engagements you are interested in.Joining an Expert Network can be an important step in developing your career. While many professionals get stuck in their day-to-day commitments, they often end up stranded if they unexpectedly lose their job. Rather than letting your current employer determine your career track, join an Expert Network and begin investing in the career you really want.
Canon’s Optical Image
Stabilizer technology, this Canon 55-250mm telephoto zoom lens captures
long distance, low-light shots far better than many comparable lenses,
helping you photograph the far-off action of athletes or zoom in for an
intimate portrait with a blurred background. The high-zoom-ratio lens
is equivalent to a focal length of 88-400mm in the 35mm format (when
used on Canon EOS cameras compatible with EF-S lenses). More
significantly, the image stabilizer effect creates an equivalent
shutter speed of roughly four stops faster than the same size lens
without an image stabilizer. In other words, if the slowest shutter
speed you can hold a 250mm lens steadily is normally 1/250th of a
second, this Canon lens will let you hand-hold shutter speeds as slow
as 1/15th of a second. The lens also boasts a UD-glass lens element to
correct chromatic aberration to create excellent image quality
throughout the zoom range. Delivering an excellent performance at an
affordable price for all photographers.
Focal length: 55-250mm
Maximum aperture: f/4 to f/5.6
Lens construction: 12 elements in 10 groups, including one UD-glass
Diagonal angle of view: 27 degrees (at 50 feet) to 6 degrees (at 15
feet), with APS-C image sensors
Focus adjustment: DC motor, gear-driven (front focusing design)
Closest focusing distance: 3.6 feet (0.31x maximum close-up
Filter size: 58mm
Dimensions: 2.8 inches in diameter and 4.3 inches long
Weight: 13.8 ounces
with cameras that have APS-C size sensors