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Archive for December, 2011

Florida Foreclosure Proceedings Detailed

The following article details the final court proceedings for foreclosure cases in the state of Florida. The article details the different scenarios that can occur to finalize a foreclosure case. It is important for people facing foreclosure in the state of Florida to be aware of their rights so that they can do everything in their power to stop foreclosure through legal remedies.

The right to be heard at the hearing to show cause is waived if the defendant, after being served as provided by law with an order to show cause, engages in conduct that clearly shows that the defendant has relinquished the right to be heard on that order. The defendant’s failure to file defenses by a motion or by a sworn or verified answer or to appear at the hearing presumptively constitutes conduct that clearly shows that the defendant has relinquished the right to be heard.

If the court finds that the defendant has waived the right to be heard, the court may promptly enter an order requiring payment in the amount provided or an order to vacate the premises. Under and order to vacate the premises, the order is delivered to the County Sheriff for eviction should the mortgagor continue to occupy the premises.   If the court finds that the mortgagor has not waived the right to be heard on the order to show cause, the court will, at the hearing on the order to show cause, consider the affidavits and other showings made by the parties appearing and make a determination of the probable validity of the underlying claim alleged against the mortgagor and the mortgagor’s defenses. If the court determines that the mortgagee is likely to prevail in the foreclosure action, the court shall enter an order requiring the mortgagor to make the payment to the mortgagee and provide for a remedy. However, the order shall be stayed pending final adjudication of the claims of the parties if the mortgagor files with the court a written undertaking executed by a surety approved by the court in an amount equal to the unpaid balance of the mortgage on the property, including all principal, interest, unpaid taxes, and insurance premiums paid by the mortgagee.

In the event the court enters an order requiring the mortgagor to make payments to the mortgagee, payments shall be payable at such intervals and in such amounts provided for in the mortgage instrument before acceleration or maturity. The obligation to make payments pursuant to any order entered under this subsection shall commence from the date of the motion filed hereunder. The order shall be served upon the mortgagor no later than 20 days before the date specified for the first payment. The order may permit, but shall not require the mortgagee to take all appropriate steps to secure the premises during the foreclosure action.

In the event the court enters an order requiring payments the order shall also provide that the mortgagee shall be entitled to possession of the premises upon the failure of the mortgagor to make the payment required in the order unless at the hearing on the order to show cause the court finds good cause to order some other method of enforcement of its order.

All amounts paid pursuant to this section shall be credited against the mortgage obligation in accordance with the terms of the loan documents, provided, however, that any payments made under this section will not constitute a cure of any default or a waiver or any other defense to the mortgage foreclosure action. Upon the filing of an affidavit with the clerk that the premises have not been vacated pursuant to the court order, the clerk shall issue to the sheriff a writ for possession which shall be governed by the provisions of Florida state laws.

It is important for people facing foreclosure to understand their rights and to take the proper steps to ensure these rights are protected. It is very possible that one can stop foreclosure on their property by utilizing the methods lenders provide to address their situation.

Home Improvements: Getting Ready to Sell

Sometimes when selling your home it is necessary to make a few improvements to realize the value that you want or to gain the attention that is necessary to sell a home on today’s real estate market. If you really want to get top-dollar for your home, you should really make sure that your home is in pristine shape, everything works as it should and the design elements of the home create a unified theme. For instance: avocado green appliances probably don’t go to well with a white theme minimalist kitchen. In top-dollar homes, unity is key.

If you take some time and look at your home as a product, which is necessary; think about what it offers to a consumer. There are some definite things that can add value to your home with just a bit of time and effort.

Paint – A new coat of paint will never hurt your home’s chances of selling faster. This applies to both the interior and the exterior. Try to use neutral colors as a wild color scheme can estrange certain buyers and you want your home to appeal to as many people as possible.

Landscaping – Landscaping has a huge effect on the visual impact of a home. The home’s frontage is the first thing that potential buyers see when viewing your property. A nicely landscaped yard with well-kept gardens and a neatly trimmed lawn are great selling points for a home.

Cleanliness – This is one of the singly most important things when selling any property. Nobody wants to buy a home that is in disarray. Homes with garbage and junk cluttering up the yard simply do not appeal to most buyers. This is also true for the garage. This is an area that tends to accumulate a huge amount of clutter and stuff collected over the years. Take the time to clean out the garage ahead of time. It will only save you the trouble of having to do it before the move.

Precautions Nursing Assistants Should Take

Being a Nursing Assistant is a very rewarding career for those who choose to enter the medical field with a thirst for knowledge and a dedication to helping others. Your Nursing Assistant course, clinical, and trainings often don’t prepare you for precautions you need to take. Most employers don’t either. Therefore it is the responsibility of every Nursing Assistant to learn about them on their own.

One of the hardest parts of being a Nursing Assistant is taking direction from many other staff on the medical team. They are to report directly to the Nursing staff. It is not uncommon for each Nurse to have a slightly different way they want things to be done. This makes the job of the Nursing Assistant even more challenging. You need to be willing to stand up for yourself and the other Nursing Assistants.

If this type of issue is ongoing in the medical facility you work at, go to the charge Nurse. Explain why the changes among the Nursing staff are confusing and counter productive. Most charge Nurses will look into the situation, and help put policies, procedures, and trainings into place so that all staff knows exactly how something needs to be done.

Nursing Assistants are often required to life patients while bathing, dressing, or even getting them ready to go eat. It is important that you are properly trained in this procedure, or you can injury your back or other body parts. You also run the risk of causing injury to the patient. Since medical facilities are often short-staffed, Nursing Assistants try to lift patients alone when they know they are to have a partner assist them. This is dangerous to your health, to your patient, and to your job security. Never cut corners on such practices no matter how much time they save you.

Communicable diseases are very important to avoid as a Nursing Assistance. You will likely be trained in communicable diseases both in your Nursing Assistant training and your employment orientation. However, it is important to remember that most communicable diseases are spread through bodily fluids. No matter how tight your time schedule is, if you find a patient has soiled their clothing or bed, make sure you use rubber gloves, clean the area properly including using a disinfectant, and wash your hands thoroughly with soap and water. This will help reduce you risk of infection from communicable diseases.

Many patients who require the care of a Nursing Assistant don’t want it. This can lead to a variety of feelings including depression, being upset, anger, and hatred. Often, this mix of feelings gets released onto the Nursing Assistant. You may find yourself receiving verbal abuse and sometimes physical abuse from patients as a result. It is very important that you deal with this type of situation immediately. For verbal abuse, tell the patient you understand they are upset but that you are there to help them with… then proceed to tell them what you will be assisting with. Leave the room if they continue to be in that state of mind. Report the incident according to your employer’s policies.

Physical abuse is more dangerous than emotional abuse. Patients need to understand that it will not be tolerated under any circumstances. If you have to defend yourself, yell for help or call out a code word according to your employer’s policies. It is vital that you report any incident of physical abuse immediately to your supervisor. Document the incident including what took place, the type of physical abuse, and any self-defense holds or moves you did to protect yourself. This becomes important if the patient later claims you abused them.

Avoiding burnout is another key area for Nursing Assistants to be aware of. This is the result of continually feeling overwhelmed by your job duties. The medical field ranks number one in the area of job burnout. It is important that you pay attention to burnout and these other precautions. This will enable you to further enjoy your employment as a Nursing Assistant.

Skiing In Italy

Italy has always been a consideration for those interested in experiencing the Alps for less.  Having said that, it is still considered one of the top European skiing countries today, and is a magnificent place to take a skiing vacation.  There is a certain romance about Italy that makes it the number one choice for so many skiers each year, and it is easy to see the attraction with the place.  From its northern snow-tipped peaks, you can also venture towards the cultural hotbeds of Rome and Turin, and experience Italy as it is intended, as well as its amazing ski slopes.

One of Italy’s smallest resorts, tucked up high, near Canazei in the North, is Alba.  Based on a tiny village, the Alba resort is the truest form of skiing escapism, with amazing off piste skiing to be had.  For the keen skier, this would make for an excellent day trip, or an excellent weekend away whilst staying at a bigger resort, and although it has only 5 lifts, it is a real Italian treasure, and something not to be missed if you like peaceful surroundings whilst you ski.  On top of that, if you enjoy cross-country skiing, Alba also offers a number of extensive trails for you to pursue, ensuring that you are likely to have a great time, whatever you skiing preferences and ability. 

If you’re looking for something bigger, why not consider Italy’s highest resort, Passo Tonale.  An ideal family resort, Passo Tonale is focussed more around beginners and intermediates, and provides a friendly atmosphere that is just simply lacking from some of the bigger resorts.  Passo Tonale is also home to a top class ski school, employing some of the region’s most talented skiing instructors.  In addition to that, the staff pride themselves on the conditions of their slopes, which are groomed frequently.  From the peak of Passo Tonale, you are faced with a wonderful panoramic view of the whole region, which is truly breathtaking, and it has been known for skiers to spend hours simply analysing the view.  Passo Tonale is a great resort if you are looking for a busier, more down to earth ski resort for you and your family.

Selva Gardena is one of Italy’s largest resorts, and if you are looking for some great scenery and excellent, consistent snow coverage, you could do a great deal worse than here.  A great value for money resort, Selva Gardena is also child friendly, making it another fantastic resort to take the family.

Italy has a diverse range of ski resorts to cater for all different tastes and abilities.  In general you will find all the resorts welcoming and friendly, not to mention the amazing hospitality you will experience in some of their restaurants and bars.  If you are looking for a good value for money trip, and you enjoy skiing, the North of Italy is ideal for you, and can provide any skier with an adequate challenge of their abilities.  Additionally, with some of the best skiing instructors in the world, Italy is one of the best places in Europe to enjoy skiing without paying an absolute fortune.  Italy truly is a great skiing location for anyone looking to experience the Alps in all their glory, amidst the wealth and depth of culture and history right around the corner.

New York City of Diversity

If you’ve never been to New York City, you may be surprised to know that there is so much more to this great city than skyscrapers, lots of people, and really fantastic parades. While it is in fact the wonderful people of this city that make it the exciting place to visit that it has become, there is so much more to this city than what you’ll see on the television shows and in the news.

New York City is a city full of exciting people from all kinds of backgrounds with all kinds of hopes and dreams of the future and experiences of the past. You will find artwork here like few other places in the world, you will see more nature here than in most big cities around the world, and you will enjoy seeing more cultures and nationalities represented in the space of an hour in this city than most people who live elsewhere experience in their entire lives. New York City is the true melting pot of the world and the rest of America is simply trying to catch up.

You will find music and art that is representative of the many cultures that call this grand city home. You will experience the sights, sounds, and scents of worlds that are exotic and foreign simply by walking down neighborhood streets where people are cooking dinner at night. You will hear more languages in one day than you probably ever dreamed imagine and while you may stand around with sensory overload thinking anyone would be crazy to live like this, most of them are looking at you thinking you’d be crazy to live anywhere else.

This is perhaps the greatest thing about visiting New York City. You get to experience for a moment the excitement that comes from living in this fascinating city. You get to understand what it is like for those living there. And you get to understand first hand what it is like to be alone in a city of millions and yet by being there, being one of them, belonging somehow to this giant community of strangers from different cultures, different pasts, and different futures.

Most people visit New York with certain preconceived ideas and certain goals for their visits. Hopefully the preconceived ideas will all be challenged and the plans that you have made are flexible. There is so much to do and see that you could go one block each way from your hotel and probably notice something new each and every single time you went by. My point in this is that you need to leave time to experience the wonderful things you won’t discover in the guidebooks. There is only so much of this city that any one person could possibly find to write about. I can imagine that there are New Yorkers that could eat in a different restaurant each and every day without eating in the same one twice in five or ten years. I find it hard to believe that a guide-book is going to be able to hold everything you might find interesting in this city and if you spend your entire visit with your head in the book you might miss something truly worthwhile.

That being said, it is a good idea to make plans according to your budget and the things you wish to see, I’m just urging you to leave room in that schedule for change. The Statue of Liberty is great, but it takes a while to get there and back. Could it be that you take some photos, buy some post cards and do two or three other activities that you could have enjoyed in the space of time it takes to get there and back? Plans are made to change whenever possible-especially while on vacation. I seriously recommend that you reserve two hours minimum each day to do something that you discovered rather than something you planned.

Do Not Let the Furnishings Fool You

Renters who are viewing apartment complexes are often led to furnished models which have been tastefully decorated. Although the furnishings in these model apartments are usually very aesthetically appealing they also usually serve another purpose as well. This other purpose is to make the room appear larger than it is. There are decorator and furnishing techniques which can make a room in an apartment appear considerably larger than it really is. The size of the bed, the amount of furniture and the layout of the furniture are all items which should be carefully considered when viewing model apartments. This article will cover these three items and will provide useful information for renters who are trying to evaluate furnished apartments.

The Size of the Bed

Determining the size of the bed in a model apartment is important for the purposes of evaluating the apartment. If you are unsure of the size of the bed used in the model, ask the leasing agent for clarification. This is important because if the bed used in the model is a full size bed and your own bed is a king size bed, it will be difficult to make assumptions about the size of the bedroom. The differences in a full size bed and a queen size bed may not be as noticeable but renters should be aware a queen bed will result in less free space in the room. If the bed used in the model is not the same size as your own bed, take measurements to determine how well your own bed will fit in the room.

Is There Enough Furniture?

When viewing a furnished, model important it is important to note whether or not there is enough furniture in the room. For example there may be a kitchen table and only two chairs instead of four. This may make the room appear larger to those who are viewing the apartment but they are likely going to be disappointed when they move in.

Consider the furniture in other rooms as well. For example a bedroom which only has a bed and a nightstand will be decidedly less crowded than a bedroom which has a bed, two night stands and a dresser. Your furniture may not be exactly the same size as the model furniture but there should be comparable items in each room.

Does the Layout Make Sense?

Renters should also carefully consider the layout of the furniture when visiting a furnished apartment. An apartment may feature all of the pieces of furniture the renter expects to see in the room but may position these pieces of furniture in a way that is not logical. Consider the family room as an example. There may be a couch, an entertainment center, a television set, a coffee table and two end tables but if these items are positioned strangely it can be deceiving. Most renters arrange their living room furniture in a manner which makes the area conducive to conversations as well as viewing of the television. If the television is positioned where it is not viewable from any of the seating options, the layout of the room is somewhat unnatural. It is not likely to be similar to the layout used by the renter and therefore does not offer an accurate representation of how the space will likely be used.

Consequences for Violating Air Travel Rules

In recent years, the media has been flooded with examples of security breaches on airplanes and in airports.  Although a number of these instances have turned out legitimate, there are others that were simply a mistake. Although you might assume this mistake was made on the part of airport security, most times it wasn’t.  In many instances, the mistake was made by a traveler; likely a traveler who was unaware of the consequences for not properly following air travel rules.  Don’t let yourself be one of those travelers.

When taking a flight, whether that flight be domestic or international, you are advised to familiarize yourself with all of the air travel rules, including the new ones, before you leave.  While many air travel rules can be considered common sense, there are others that are a little bit more difficult to know without doing the proper amount of research. Therefore, before you leave, you are advised to do that research.  You can easily determine what items are allowed or not allowed on your flight by contacting your airline or the airport that you are planning to flying out of.

In you quest to understand air travel rules, there will likely be some rules that you will come across that you don’t see any point to. Although these rules may appear silly or stupid, you still need to follow them.  For instance, there is currently a liquid ban on all international flights and domestic flights.  There are a few exceptions, but one of those exceptions does not include drinks for adults. No matter how much you want to have a bottled water with you, it is just not possible. Instead of fighting it, you are advised to live with it because if you don’t, you could suffer the consequences.

When it comes to violating air travel rules, you will find that there are a number of different consequences for your actions.  Honestly, those consequences all depend on which airport you are at, the airline which you are traveling with, the rule that you are violating, and your attitude during the ordeal.  The most common consequence is that you will be delayed a short period of time. For instance, if you are trying to bring a soft drink onboard or a cigarette lighter, you may be taken aside for just a moment. That moment will be just long enough for you to hand over the prohibited item and be reminded of the importance of following air travel rules.

While many air travelers can get away with a simple warning, there are others who suffer more serious consequences. One of those consequences is being banned from your flight. As previously mentioned, your attitude during the whole ordeal can have a significant impact on the action that will be taken against you.  If you are caught carry a prohibited item, you are advised to just turn it over. Although there is a good chance that you may not get your nail cutters, your favorite cigarette lighter, or your bottled water back, it is better than not making it to your intended destination.  In most cases, you will be allowed to catch your flight, as long as you cooperate with airport security. Don’t give them a reason to ban you and they won’t.

Although being banned from your flight seems serious enough, there is one more consequence that is worse than that. That consequence is being arrested by local authorities.  In most cases, an arrest will only occur if and when you get out of hand.  Whether you are on your plane or just waiting at the airport, it is important that you remain calm at all times.  Whether you are upset with the air travel rules or just nervous about flying, your nerves may bring unwanted attention.  When being confronted by airport security or a flight crew, it is important to stay calm and answer all questions.  Being rude, insulting, or uncooperative, it the quickest way to find yourself in a jail cell.

As you can easily see, there are a number of different consequences for violating air travel rules.  However, you control those consequences.  Whether you intended to break a rule or not, the best thing that you can do is stay calm and be cooperative with whoever you are dealing with.  It is the best way to resolve the situation as quickly as possible.

When Is It a Mistake to Re-Finance?

Many homeowners make the mistake of thinking re-financing is always a viable option. However, this is not true and homeowners can actually make a significant financial mistake by re-financing at an inopportune time. There a couple of classic example of when re-financing is a mistake. This occurs when the homeowner does not stay in the property long enough to recoup the cost of re-financing and when the homeowner has had a credit score which has dropped since the original mortgage loan. Other examples are when the interest rate has not dropped enough to offset the closing costs associated with re-financing.

Recouping the Closing Costs

In determining whether or not re-financing is worthwhile the homeowner should determine how long they would have to retain the property to recoup the closing costs. This is significant especially in the case where the homeowner intends to sell the property in the near future. There are re-financing calculators readily available which will provide homeowners with the amount of time they will have to retain the property to make re-financing worthwhile. These calculators require the user to enter input such as the balance of the existing mortgage, the existing interest rate and the new interest rate and the calculator return results comparing the monthly payments on the old mortgage and the new mortgage and also supplies information about the amount of time required for the homeowner to recoup the closing costs.

When Credit Scores Drop

Most homeowners believe a drop in interest rates should immediately signal that it is time to re-finance the home. However, when these interest rates are combined with a drop in the credit score for the homeowner, the resulting re-financed mortgage may not be favorable to the homeowner. Therefore homeowners should carefully consider their credit score at the present time in comparison to the credit score at the time of the original mortgage. Depending on the amount interest rates have dropped, the homeowner may still benefit from re-financing even with a lower credit score but it is not likely. Homeowners may take advantage of free re-financing quotes to get an approximate understanding of whether or not they will benefit from re-financing.

Have the Interest Rates Dropped Enough?

Another common mistake homeowners often make in regard to re-financing is re-financing whenever there is a significant drop in interest rates. This can be a mistake because the homeowner must first carefully evaluate whether or not the interest rate has dropped enough to result in an overall cost savings for the homeowners. Homeowners often make this mistake because they neglect to consider the closing costs associated with re-financing the home. These costs may include application fees, origination fees, appraisal fees and a variety of other closing costs. These costs can add up quite quickly and may eat into the savings generated by the lower interest rate. In some cases the closing costs may even exceed the savings resulting from lower interest rates.

Re-Financing Can Be Beneficial Even When It is a “Mistake”

In reality re-financing is not always the ideal solution, but some homeowners may still opt for re-financing even when it is technically a mistake to do so. This classic example of this type of situation is when a homeowner re-finances to gain the benefit of lower interest rates even though the homeowner winds up paying more in the long run for this re-financing option. This may occur when either the interest rates drop slightly but not enough to result in an overall savings or when a homeowner consolidates a considerable amount of short-term debt into a long-term mortgage re-finance. Although most financial advisors may warn against this type of financial approach to re-financing, homeowners sometimes go against conventional wisdom to make a change which may increase their monthly cash flow by reducing their mortgage payments. In this situation the homeowner is making the best possible decision for his personal needs.

Miami Real Estate

Sunny Miami Florida is without a doubt one of the hottest real estate markets in the world.  Over the years, Miami has noticed a lot of changes in it’s real estate market.  Miami Florida has always been known for it’s pristine beaches and activities, making it perfect for a vacation home or a permanent home for anyone wanting to live close to one of the best cities in the world.

In the past, Southern Florida was known to be a realtor’s dream of a real estate market with extremely explosive growth potential.  During the beginning of the year 2000, Florida noticed some high rises in real estate.  In most areas, including Sunny Isle Beach, the prices of real estate went up as much as 250% in some areas.  This was a drastic change in price, making real estate in Florida very hard to afford.

This change in price let the world know that Florida was very sought after for real estate.  Although the prices were very high, this also changed the entire economic structure throughout Florida, resulting in more businesses, work opportunities, and a lot more income.  Even though it brought more opportunities, the economic growth also helped to make Florida a very expensive city to reside in.

Miami Florida is the second largest city in the state, making it a great choice for real estate.  These days, the homes here aren’t very expensive.  If you are interested in renting a home or apartment here, you may find it to be moderate to high-priced.  Miami has long been known for sunshine and fun, which is one of the reasons why so many people decide to purchase real estate there.

Although the past has noticed a lot of interest in real estate for Miami, the future will always be in question.  Homes and housing units will always be built here, although real estate agents have found it increasingly difficult to sell homes.  Even though some homes will sell a lot faster than others, there are some homes that remain on the market for months and months at a time.

As you may have guessed, Miami Florida has noticed a bit of a drop in real estate price and transactions over the years.  Although past years have noticed Miami real estate to skyrocket in both price and appeal, the future makes many wonder.  A lot of areas here are harder to sell now days, with many sellers having to lower their prices just to make a sell.

In the future, Miami real estate will continue to be popular, although the trend of high and low will always be there.  Miami is still one of the best cities in the world to live in, no matter how much the real estate trend fluctuates. 

What You Need to Know About the Miami International Airport

Are you a Florida resident?  If you are and you are looking to travel out of the country, you will need to find a Florida airport that is known as an international airport.  International airports are airports that regularly have flights arriving from or going to an area outside of the Untied States. For Florida residents, particularly those in or around the Miami area, the Miami International Airport is the airport that they turn to when it comes to scheduling an out of the country trip. 

In addition to being conveniently located, in Miami, the Miami International Airport is also well-known for the number of airlines that it houses.  Unlike most other airports, including other international airports, the Miami International Airport does business with over fifty airlines. That number of huge, especially when compared to other airports.  Essentially, this means that wherever you are going and whenever you need to get there, the Miami International Airport should have what you are looking for.

While it is nice to have access to an airport that gives you a number of different choices, especially when it comes to airlines, it may also be difficult. Since there are over fifty airlines that partner with the Miami International Airport, you will find that their airport is large in size.  This may pose a problem for you, especially if you have never visited the airport before.  If this is the case, you will want to familiarize yourself with the airport’s layout or even print off a map. You can do this by visiting the online website of the Miami International Airport. That online website can be found by visiting www.miami-airport.com. These maps should also provide you with valuable information on airport parking arrangements.

With the recent focus on airport security, you will find that the staff at the Miami International Airport requests that you arrive for your flight well in advance.  This is especially important for international travelers or travelers who are unfamiliar with the airport.  A simple wrong turn or a delay at an airport security checkpoint could cause you to miss your flight, especially if you did not arrive at least two hours before your flight was scheduled to take off.  Also, before arriving at the airport, it is important to make sure that you have all of the documents needed to travel on an international flight. These documents commonly include picture identification, a passport, or a visa.

If you are looking to pass the time, while waiting for your flight, you will find that there are plenty of things to do at the Miami International Airport. The airport is stocked full of retail stores, including clothing stores and gift shops.  You can also find a large number of bars, restaurants, as well as other establishments. Due to the size of the airport, you will find that certain retail establishments are only available in certain airport terminal areas. However, all airport terminals have a number of different eateries and retail stores for you to choose from. 

As mentioned above, the online website for the Miami International Airport is located at www.miami-airport.com.  Whether you are looking to check the status of your flight, learn more about airport security procedures, or learn more about international flights, you should be able to find what you are looking for on their online website.  For additional information, you may want to consider contacting the airport directly.