Monthly Archives: November 2017

Sample letter for loan modification demystified

When you are faced with financial hardship and you want to write an effective letter for loan modification, there are some basic rules you need to abide with for your application to be accepted. I have drafted here a sample letter for loan modification. Start the letter by writing your name, loan number, contact address, phone number, and may be your email address. Then in the body of the letter: To Whom It May Concern I’m writing this hardship letter to you in order to explain the reasons behind my requesting for a loan modification on my mortgage payments. I made my last payment just before August last year, since then I was not able to make any other payment on my monthly mortgage, reason is because of my husband terminal illness with gulp huge amount of money from our treasury since then it become increasingly difficult for me to handle alone. I am requesting for an interest reduction down to YX% from my current XX%. I feel it is a fair percentage for you, and this will be within my means. Prior to husband illness, both of us have been making enough to carter for our mortgage. Even when our interest rate rose to XX% we had no difficulty paying it. However, since the illness, I was left with half of the monthly income I had before. I had been pulling together enough to pay the bills and mortgage by pulling from our savings and the small amount of life insurance I received, but I can not cope for now that is why I requested for loan modification option from you. Without you lowering my interest rate, I won’t be able to afford the monthly payments. I have to make a choice between a loan modification and a foreclosure. I prefer the former far better than the later, and you probably would as well. YX% is the most I can afford now, even if I cut all of my expenses out of the picture. Please consider my application seriously and I hope to hear more from you on this matter soonest. Sincerely, Your Name (with date) You will notice that this letter is simple but straight to the point, it explain the circumstances of the loan seeker and her ideal interest rate based on her present income, she also showcase seriousness, she also let the lender know she would like to still maintain her home, the letter also pleads a good case for the lender, your lender must be aware of your choice between modification and foreclosure, although your lender may lose money on loan modification but it can not be compared with foreclosure, if you get all your facts, numbers and story straight you can put up a compelling hardship letter. Further more, for essential tips and facts on how to get quicker approval on your loan modification, I have done some research on this for you, visit for updated information.

New Era Of Animation Software In Education

As technology has evolved over the decades, it’s become relatively very easier to create any types of animation with computer software.

Most software is coming with easiest features for animators and filmmakers to enhance their productions. Look at a movie for example; back in the day when you plan to shooting a crowd scene would involve thousands of extras hours of work. With animation software, you can wipe out the man hours it would take to organize crowds and the actual physical shooting.

2D animation software is not expensive!

How times change so quickly. Five to ten years or so ago you’d be lucky to find the best software for under the thousand or more price bracket. As IT technology has improved and computer software prices have plummeted, computer generated animation as an activity has found its way into the average persons home.

It is now possible to pick up some of the best software for well under $100 in some cases. The main stumbling block for most people is not the price of software today, but just how to use it!

1 – Find stop motion software with good ‘Help’ and ‘Tutorials’ – some free versions are not always easy and the best!
Don’t be afraid of trying new animation programs. Experimenting with different types of software can also be beneficial in helping you develop your animating skills. If you’re interested in 2D animation, then programs like Ikitmovie, Monkey Jam 3 Beta, Animaatiakone are worth testing.

2 – Be patient and read the help pages and watch the video Tutorials
When you have the support and training that come with the best purchases it gets you working on your 2D animation projects quickly and confidently. That means you enjoy the experience as opposed to getting frustrated. Enjoying your 2D animation software experience will hopefully mean that you’ll continue to work at it until you are creating stunning animation cartoons that will blow peoples minds!

There is various animation programs available; you can get many advantages like
Create your own style of animation, or combine multiple!
Scales from beginner to professional, a life long journey!
Tap in to your story telling abilities
Master a new form of creative technology
Everything you need from start to finish

Right now users have a wealth of opportunities for using excellent animation software for kids and schools, Animation software programs developed specifically for Childs that run on any average Windows PC – and that don’t cost hundreds of dollars?

Will Electric Car Industry Developed in 2020

JAKARTA – The government through the Ministry of Research and Technology (Research and Technology) recognizes industrial process to create and develop a nationwide electric car takes time to 2020

Research and Technology Minister Gusti Muhammad Hatta said the development of the electric car industry uses to categorize the phase 1-phase 9.

“For our readiness to use the 1-9 category in terms of terms of readiness stage, until the production of things and we want to control,” said Gusti in BPPT Building, Jakarta, Tuesday (30/07/2013).

Gusti added that the process of development of electric cars and buses by the manufacturer has entered the seventh stage, and will soon enter into the eighth stage.

“Stage 1-3 go to university, go into R & D stage 4-6 and stage 7-9 have entered into the industry. Later we also do environmental testing, could be tested if the actual road, not just in the building,” said Gusti.

He reveals, for the content of the current electric car components is still imported. But, will use components of Domestic Content Level (DCL) that can all be supplied from within the country.

“We’re just at the level of the seventh, eighth want to go. So the seventh level in actual road testing. DCL its varied, there are 30 percent, some 60 percent,” said Gusti.

Currently, testing is still in the stage of the seventh and eighth to the stage, it targets to enter the ninth stage or national electric car production will be reached in 2020. “Yes it is still a long seventh stage of the year again. Approximately 2020,” he said.

It Can Be Easy To Find A Gluten Free Pizza Base Recipe

Gluten is a protein found in wheat. It’s also found in other grains, but it’s in wheat the most. It is impossible for people with celiac to digest because they are missing something in their body that allows them to digest it. In fact everyone has difficulty digesting wheat gluten but most can handle the process. If a person with celiac eats only 10 grams of gluten it can cause them serve intestinal distress. The distress means they can’t just go out and grab a pizza with friends. It takes a little planning to make a pizza that doesn’t contain any gluten. The first thing that you need is a good gluten free pizza base recipe.

You need to have a gluten free pizza base recipe because you can’t just take any recipe and substitute gluten free flour into it. That’s because the flours that don’t contain gluten have different proteins and react differently than wheat flour does. They need to have a little help to work right. You will want to make sure the recipe contains such ingredients like, rice flour, egg replacer, vinegar, xanthan gum and yeast. Once you have a basic recipe then you can tweak it to meet your tastes.

There are a lot of places that you can look for a pizza base recipe. Start by looking at blogs and websites that are dedicated to gluten free living and recipes. There are official sites that are dedicated to providing information on celiac disease. These sites also may have recipes for pizza. Because there are more and more people who realize they have celiac, and many of those people have chosen to share what they have learned along their journey your sure to find success in your search.

There are also several good wheat free cookbooks. Cookbooks can be a great resource that you can take with you wherever you go. The nice thing about all those recipes is that they have been tried out and perfected by others, so you don’t have to change anything to them.

When you have the perfect gluten free pizza base recipe you are ready to go out and make pizza to your heart’s content. There is no need for anyone with celiac to have to miss out on any of their favorites. A good recipe for pizza lets everyone have the pizza that they love without any stomach problems. It’s very easy to make a pizza that contains no gluten and everyone will look forward to eating once you have the base recipe.

The Six Best Spring Jewelry Gift Items For Mommy

Finding the best spring jewelry gifts for mom is uncomplicated when you go shopping online. Spring is really a time for renewal and that consists of mom’s jewelry collection. Mothers love jewelry from rings to earrings to pretty pins, and it always makes a thoughtful gift to show your appreciation for your mother.

In this article we will talk about the six greatest spring jewelry gifts for mom like: birthstone jewelry, beaded jewelry, fashion watches, mother’s jewelry, religious jewelry and charm bracelets each has its own benefit and each and every mom has her favorite type of jewelry so maintain that in mind although you read this article.

One of the most classic jewelry gifts for mothers is to purchase birthstone jewelry. Whenever you buy her birthstone jewelry from necklaces to rings to earrings, you are showing that you keep in mind when she was born and recognize the importance of that event inside your life.

An additional fantastic option in jewelry gifts for mom is beaded jewelry. This kind of jewelry is highly fashionable and could be chosen to coordinate with an unique outfit that your mom loves to wear.

An additional fantastic option in jewelry gifts for mom is fashion watches. Fashion watches are fun to wear and can be discovered in just about any style or color you can imagine.

Mother’s jewelry is always a fantastic option to purchase for your mom. She will be proud to wear a memento that reminds her of the births of her children and for many moms their mother’s ring is their most cherished piece of jewelry, even over her wedding ring.

Religious jewelry is a great choice for spring as numerous people celebrate Easter and other religious holidays. Mom can proudly display religious jewelry as a testimony to those she encounters of what her personal beliefs are.

Finally, you will find a lot of spring jewelry gifts for mom to select from when you want to show her that you care. Charm bracelets can be an especially nice option simply because every charm you select will show her how well you know her and appreciate all the little things that make her who she is.

Moms are so unique and without them we wouldn’t even be alive let alone be who we are. You need to take unique care when selecting gifts for your mother to be sure they are an expression of how you feel. Shopping on-line can help you discover lots of best spring jewelry gifts for mom including the six discussed here in this short article.

Guide To Buy Vitamins Online

Vitamins are merely organic compounds that the body uses for essential functions. There are two categories of vitamins: water-soluble and fat-soluble. The body requires nine water-soluble vitamins. Many of the water soluble vitamins are precursors for coenzymes for the enzymes of intermediary metabolism. Water-soluble vitamins are not stored in the body. What is not used will be excreted in the urine.

Folic acid is a water-soluble vitamin that is essential for protein and red blood cell formation. Folic acid is essential during pregnancy for healthy development of babys brains and nervous system. Deficiencies in folic acid during pregnancy lead to spina bifida and anencephaly. Proper vitamin supplementation before and during pregnancy can prevent this.

Vitamin B12 also known as cobalamin is an essential water-soluble vitamin. Vitamin B12 is essential for DNA synthesis. Vitamin B12 is also part of the red blood cell ring that carries oxygen. Pernicious anemia is a related to a vitamin B12 deficiency. Deficiency of vitamin B12 is rarely a result of the vitamins absence in the diet. Many who develop pernicious anemia lack intrinsic factor, which binds to the vitamin for absorption purposes.

Vitamin C also known as ascorbic acid is an essential water-soluble vitamin. Vitamin C is required for the maintenance of normal connective tissue and the formation of collage. This vitamin can be found in skin care products. Vitamin C increases the absorption of iron in the diet. Vitamin C is an essential anti-oxidant (free radical damage). Scurvy is a disease associated with vitamin C deficiency.

Vitamin B6 known as pyridoxine is also a water-soluble vitamin. Pyridoxine is essential for protein digestion and utilization. This vitamin is essential for brain function and hormone production.

Vitamin B1 known as thiamine is a water-soluble vitamin. Thiamine plays a key role in energy metabolism of most cells (ATP), particularly the nervous system. Beriberi and Wernicke-Korsakoff syndrome are diseases caused by a severe thiamine deficiency.

Niacin (vitamin B3) is an essential water-soluble vitamin. Niacin functions as a precursor to NAD and NADP. Niacin is essential for energy production, brain function, and healthy skin. A deficiency in niacin causes pellagra and type IIb hyperlipoproteinemia. Niacin also helps to lower LDLs in the blood.

Riboflavin (vitamin B2) is a water-soluble vitamin that assists in turning fats, sugars, and protein into energy. Riboflavin is needed to repair and maintain healthy skin. Riboflavin also assists in regulating bodily acidity. There are no diseases associated with a riboflavin deficiency. However, riboflavin deficiencies commonly accompany other vitamin deficiencies.

Biotin is an essential water-soluble vitamin that is needed for healthy childhood development. Biotin helps the body use essential fats. Biotin promotes healthy skin, hair, and nerves. Biotin deficiency does not occur naturally because the vitamin is widely distributed in food.

The iPad and iPhone Musical Instrument For The 21st Century

Whether or not you consider yourself a musician, you may actually own the prime musical instrument of the 21st century – if you’ve got an iPhone or an iPad, you’ve got the potential to make some earth shattering music. Apple shared this notion with the masses when they unveiled GarageBand for the iPad in 2011, later introducing support for the iPhone. This outstanding app got people thinking of making music with their iPad, but there’s a much bigger picture within iOS music production.

A strong passion for music making on the iPhone and iPad has existed for a number of years, spawning a thriving network of apps. Robust synthesizers are spreading like wildfire across the App Store with some of the finest including Animoog, Sunrizer Synth, iMini, Magellan, Alchemy Synth Mobile, and Nave. Virtual guitar amp and effect alternatives like Amplitube, JamUp Pro, and AmpKit are helping a new era of guitar players reach new levels. Full fledged iPad music workstations like NanoStudio, BeatMaker 2, Auria, and Cubasis have allowed music hobbyists to create high-quality tracks. Professionals have even jumped into the mix with outstanding production apps like Auria and Cubasis, resulting in high level musical products. Once you examine the music category of the App Store you can find tools to inspire musical creation in any genre.

With a wealth of tools existing, are people actually taking advantage of this potential and making essential music with their iPads or iPhones? You bet – there’s a lively community of people making valuable original statements created only with their iOS devices. Hip Hop artists Gorillaz used a variety of apps to put together their recent album The Fall exclusively on an iPad. Independent artist Smite Matter created Technopolis Lost, a wide reaching collection of ambient music generated using only his iPhone and iPad. Audio hosting site SoundCloud is stocked full with music produced on iOS devices, with a number of groups fully committed to the iPhone, the iPad, and several music apps. The total amount of music generated on iOS devices is already astonishing and it’s only rising.

The revolution has started and it’s focused on the device resting in your pocket – your iPhone or iPad can take the lead into a new world of musical expression. Even if you’ve never played an instrument before, proceed to the app store and get some music apps today. If you need help proceeding from idea to song, you can find numerous iPad music app tutorials and reviews on the net. You’ll be shocked at the accessible quality of music making on iOS devices and before you know it, you’ll be lost in your own imagination.

Terry: Nets Have Strategy Beat the Heat

Perkenalan Kevin Garnett, Paul Pierce dan Jason Terry. (Foto: Ist)

BROOKLYN – Brooklyn Nets confident to face the NBA season 2013/2014. In fact, Jason Terry insists the Nets have the formula to beat the Miami Heat.

Nets did clean up after a failure in the playoffs last season. The squad is now dibesut Jason Kidd was brought three veteran players, Kevin Garnett, Paul Pierce and Terry, who today has been introduced.

Many great teams from the Eastern Conference has to face the Nets. In addition to the New York Knicks, the defending champion Heat is one of them. Terry assess the Nets have a strategy to subvert LeBron James et al.

“It’s time. If we could start the final game at training camp, I could do it. We know the need of the process, but it will not require adaptation for two years. Let’s do it this year, and why not, we get all the pieces, “said Terry.

“I’m not worried. We have a strategy. Me and Jason Kidd is a player who never beat them, “said the former Boston Celtics star, the Daily News reported on Saturday (07/20/2013).

Yes, when I was with the Dallas Mavericks, Kidd and Terry berhasul beat the Heat in the 2011 NBA Finals. They won the first title in history.

Picking Cosmetics For Black Skin

There was a time when it was really difficult, some say even impossible, to find cosmetics for black skin tones. The cosmetic companies neglected a huge market of women who were looking for suitable products and were very willing to pay good money. Happily things have changed and a lot of the cosmetic giants have brought out a range of makeup specifically aimed at women of color. But how do you know what is suitable for your skin tone?

Picking A Foundation
Picking the correct tone of foundation is very important because this gives you a blank canvas to work on. It must blend with your natural skin tone and along your neckline so that it looks completely natural. No-one should be able to tell that you are wearing foundation. It should make your skin look flawless and not stand out like a geisha.

Picking A Blusher
Women with dark skin should always go for bold colors like dark red, brown, burgundy. This will compliment your skin completely. Apply your color with light strokes along your cheek bone. For women with a lighter complexion, go with colors with a pink hue. The blusher should represent what your cheeks would look like if you were flushed or indeed blushing.

Picking Eye Pencils and Eye Shadows
Use an eye pencil to emphasis the size of your eyes. For darker skinned women, always use black and for women with a lighter complexion, choose dark browns as black may end up looking too harsh and heavy.

There is an extensive range of eye shadows available and you have the option of choosing different colors that will be suitable for different occasions. Go for bold colors for night time wear such as golds, bronze, burgundies and greens. These will really make the eyes pop. For day time wear, choose different shades of brown and burgundies.

Picking A Lipstick
Try and choose a color that will compliment the choices you made for your eye shadow and blusher. You want to end up with a balanced look. If you prefer, you could always opt for lip gloss which will accentuate the natural color of your lips.

So those are a few pointers to choosing the right type of cosmetics for black skin. Go out and try different combinations until you are happy with your final look.