Homeowner – s Options When Facing Foreclosure #lawyers #foreclosure

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Homeowner’s Options When Facing Foreclosure

Your mortgage payment is probably the biggest expense in your family budget. When money is tight and you’ve cut as much of your other expenses as possible, it still may be hard to make mortgage payments. Missing those payments is a lot more serious than missing most other bill payments.

Once you fall behind on your home mortgage payments, your lender may be ready to foreclose – take your home as payment for the unpaid debt. It’s not a hopeless situation, though. You may have some options to help you avoid foreclosure and maybe even keep your home.

Negotiation: Talk to Your Lender

One of your first steps is to try to work out some sort of deal with your lender. Maybe you can get a forbearance where you won’t have to make any payments for a short period of time. You may be able to work out a short-term plan with lower monthly payments that fit your budget. It may even offer to change or modify your loan so payments are more affordable.

Explain your situation and why you fell behind – you lost your job, or you had health problems. And be ready to explain how you’ll afford full payments in the future – you got a new job, for instance. You may be surprised at how much your lender is willing to help.

Refinance for Better Loan Terms

You may want to try to refinance and replace your old mortgage with a new one. Of course, you want a new mortgage with a lower interest rate, which means a lower monthly payment. Also consider the repayment period. If your current mortgage is for 15 years, a 20- or 30-year mortgage might lower your payments drastically.

Shop around for low interest rates and closing costs. Also, make sure your current mortgage doesn’t call for a high prepayment penalty or some other penalty that may make refinancing more expensive for you.

Mortgage Modification

See if you qualify for the federal mortgage relief program. You may be able to refinance your loan or change the terms of your loan. Either way, you may be able to get new and affordable monthly payments.

Walk Away

If you have little equity in the property, if there’s no chance you may be held personally liable for any amount still owed on the mortgage after the property is sold in foreclosure (called a deficiency judgment ), and if you don’t mind the stigma that comes with foreclosure, you might be better off walking away from your home. You simply let the bank foreclose.

Keep in mind, there are serious consequences, even if you’re not liable for a deficiency judgment. For example, your credit rating will be damaged seriously.

Deed in Lieu of Foreclosure

To avoid foreclosure, you may ask the creditor to take a deed to the property instead of foreclosing. You lose the house, but your credit rating won’t be as hard-hit as it would with a foreclosure. Also, you usually won’t be liable for a deficiency judgment if the bank later sells your home for less than what you owed on the mortgage.

However, your bank may not take a deed in lieu of foreclosure if you owe a lot more than the home is worth and there’s a good possibility you’ll have to pay a deficiency judgment. After all, the bank wants the mortgage paid. It doesn’t want to own your house.

Reinstatement of the Defaulted Mortgage

You may have a right to reinstate or cure the default on your mortgage, within a certain period of time after your default. The laws in your state specify the amount of time you have to pay the bank.

Generally, in order to reinstate your mortgage, you must pay the entire amount due on the mortgage when you defaulted – missed payments, late fees, etc. Also, you’ll have to pay the bank’s costs and expenses in trying to enforce the mortgage, such as court costs and attorney’s fees in its foreclosure action.

Equitable Redemption

You have the right to redeem your house at any time after default, but before your home is sold at a foreclosure sale. Generally, in order to redeem the property, you must pay the mortgage in full, plus any damages the bank suffered as a result of your non-payment, such as collection fees, and court costs and attorney’s fees in its foreclosure action.

Because you pay off the mortgage, you own the property outright.

Statutory Redemption Is Different

The equitable right to redeem is different from statutory redemption. In most states, you have the right to buy back your home within a certain period of time after a foreclosure sale. Here, you pay whatever price the home sold for at foreclosure. The laws in your state specify how long you have to redeem the property.

Getting a notice of foreclosure in the mail, or just having a gut feeling that foreclosure is coming, isn’t the end of the road. Look into your options, and don’t wait to ask for help if you need it. An attorney or qualified foreclosure consultant can help ease the stress on you and your family and perhaps help you keep the home you worked so hard to build.

Questions for Your Attorney

  • If I’m behind in my mortgage payments and trying to negotiate to avoid foreclosure, what terms should I try to change?
  • Will a deed in lieu of foreclosure appear on my credit report?
  • Can a bank block my right to equitable or statutory redemption?

Talk to a Foreclosure attorney

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For a Class C IPv4 address. the first three octets are used to represent the

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What is a Network Address?

A network address is used to identify the subnet that a host may be placed on and is used to represent that network. We can find the network address by assigning all bits in the host part as 0.

What is Directed Broadcast?

The host id value containing all 1’s in the bit pattern indicates a directed broadcast address. A directed broadcast address can occur in the destination IPv4 address of an IP datagram. but never as a source IPv4 address. A directed broadcast address will be seen by all nodes on that network. For example, the broadcast id for the network will be

A directed broadcast is sent to a specific network identified in the Network part of the IPv4 address. Routers on the network configured to forward-directed broadcasts will send the IP datagram to the final router that connects the destination specidied in the network part, and the router at the destination network should forward it to the destination host.

What is Limited Broadcast?

Limited broadcast is another type of broadcast, sent to destination IPv4 address of The limited broadcast can be used in Local Area Networks (LAN). where a broadcast never crosses a router to reach another network. If a broadcast is to be done over the local network, you can use the limited broadcast. A limited broadcast address can never appear as a source IPv4 address ; it can appear only as a destination IPv4 address

What is CIDR?

Classless Inter-Domain Routing (CIDR, RFC 1517. RFC 1518. RFC 1519. RFC 1520 ) was published in 1993 to keep the internet from running out of IPv4 addresses. The classful system of allocating IPv4 addresses can waste many IPv4 addresses. Any organization who need just a few IPv4 addresses more than 254 must get a Class B address block of 65533 IPv4 addresses. Even much more IPv4 addresses are wasted in the case of Class A. where total usable IPv4 addresses per network is 16777214 ((2^24) – 2).

The original IPv4 Class A networks uses 8 bits to represent the network part, Class B networks uses 16 bits to represent the network part and Class C networks uses 24 bits to represent the network part. CIDR replaced these categories with a more generalized network prefix. This network prefix could be of any length, not just 8, 16, or 24 bits.

For example; can be represented in CIDR format as, because there are 17 bits used for network part.

Classless Inter-Domain Routing (CIDR) includes supernetting (supernetting is the method of using contiguous blocks of address spaces to simulate a single, larger, address space), VLSM (Variable Length Subnet Masking. a method of subnetting a subnet) and route aggregation (method representing multiple networks using a single entry in a router’s routing table. This can greatly reduce the size of the routing tables in routers).

Class C Subnetting Tutorial

Subnetting is done by taking the bit/s from host part and adding it to the network part. Consider the same Class C example given above. Remember, the first three octets of a Class C network is used to represent the network and the last octet is used to represent the host. The default format for a Class C IPv4 address is Network.Network.Network.Host.

To make things easy, you may remember this.

If all the bits in the host part are 0 , that represents the network id.

If all the bits in the host part are 0 except the last bit, it is the first usable IPv4 address.

If all the bits in the host part are 1 except the last bit, it is the last usable IPv4 address.

If all the bits in the host part are 1 , that represents the directed broadcast address.

All the IPv4 addresses between the first and last IPv4 addresses (including the first and last) can be used to configure the devices.

Class C – One Bit Subnetting Tutorial

Consider the network shown above. If we include one bit from the host part to the network part, the subnet mask is changed into The single bit can have two values in last octet, either 0 or 1.

11000000.10101000.00001010.0 | 0000000
11111111.11111111.11111111.1 | 0000000

That means, we can get two subnets if we do a single bit subnetting.

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Top Music Production Schools – Music Production Degrees, Colleges & Programs, music production schools in

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Top music production SCHOOLS IN U.S.

music production Colleges By State

Music production is the art of creating music in a recording studio. Music producers specialize in helping musicians achieve the desired sound and style of a recording. To accomplish this goal, music producers use advanced recording equipment, musical instruments and a knowledge of audio engineering.

Studying to become a music producer can involve instruction in a wide variety of topics. Courses of study typically include audio engineering, music recording, audio software training and the proper use of microphones and instruments. A music production degree program can give students a detailed knowledge of current musical trends as well as an understanding of the music industry.

Some colleges for music production place a high amount of emphasis on musicianship as well as technological skills. Music production major students can take courses in music performance, composition and arranging. Some schools for music production require students to submit an audition tape in order to be considered for admittance into the program. While it is not necessary to be a musician to be a music producer, these schools help students to develop skills in many diverse areas of the music industry.

The National Association of Schools of Music is one of the primary accreditation bodies for audio production schools. However, some of most prestigious music production colleges in the country are not accredited by the NASM. This is usually because some audio production colleges offer unique curriculum courses that fall outside of the scope of NASM requirements. Some non-accredited universities offer excellent, well-respected music production degrees.

Associate of Science in Audio Production

This degree focuses on the recording and reproduction of all kinds of live sound. Students will study how to use recording equipment and how to engineer live broadcasts. Courses will include an introduction into the music industry and how to find entry-level jobs in this field.

Most associate’s degrees take nine months to two years to complete. Prerequisites can include a high school diploma, acceptable SAT or ACT scores and, for some schools, a letter of recommendation.

Some course examples include:

  • History of Popular Music

  • Intro to the Music Business

    This degree can open up entry-level employment opportunities in the music industry. Some examples include:

  • Assistant Sound Technician

    Bachelor of Science in Music Production

    Bachelor’s degree programs in music production take longer to complete but offer more intensive training and more career opportunities. Students in these programs can take courses that explore every aspect of the music industry, including marketing and promotion. Typically, bachelor’s degree programs focus on music production training that goes beyond a basic understanding of the craft. Students may have the opportunity to apply for internships, attend conferences and work alongside established professionals.

    Most bachelor’s degree programs take four years to complete. Some schools provide students with the option to attend courses over the summer or winter break, enabling them to complete the program sooner. Also, students who transfer from community college may be able to get transfer credit when they enroll in four-year music production programs at a university.

    Some course examples include:

  • Digital Recording Principles

  • Advanced Music Theory

  • Music Business Management

    A bachelor’s degree in music production can open up many employment opportunities. Some possible employment options with this degree can include:

  • Audio Post-production Assistant

  • Music Research Assistant

    Bachelor of Science in Music Production and Recording Arts

    This bachelor’s degree program places a greater emphasis on the craft of song creation in addition to technological skills. Students study topics like songwriting, music theory, music composition and performance. Students also have the opportunity to take a hands-on approach to learning how the music industry works and how albums are created in recording studios.

    This degree usually takes four years to complete. Prerequisites can include a high school diploma and acceptable SAT and/or ACT. Some schools will require students to audition or provide a portfolio when applying to a music production program.

    The courses in this degree program focus on musical skills as well as technological abilities. Some example courses include:

  • Introduction to Composition

    Graduates of this degree program have an advantage in the music industry job market. Possible jobs with this degree can include:

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    State of Tennessee #united #telephone #company #chapel #hill #tn

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    Residents of Davidson, DeKalb, Fentress and Sumner Counties are charged with TennCare fraud in separate cases, all involving prescription drugs.

    Friday, July 07, 2017 | 1:38pm

    NASHVILLE The Tennessee Department of Commerce and Insurance (TDCI) releases the insurance rates requested by carriers offering coverage on the Federally Facilitated Marketplace (FFM) ahead of Open Enrollment for 2018. The deadline for rate requests was July 1 and three carriers filed rates with the Department. TDCI is also making available a map of the state showing where carriers have filed forms and rates and providing examples of average premium prices for 35- and 55-year old individual purchasers.

    Friday, July 07, 2017 | 1:14pm

    A complete list of lane-closure activity due to construction or maintenance operations on state-owned roads within the 24 middle and east Tennessee counties of TDOT Region 2.

    Tennesssee Housing Development Agency Notice for Public Comments

    June 15, 2017 – July 15, 2017

  • Sunshine Notice for the Ambulance Committee 6-22-2017

    June 22, 2017 – July 22, 2017

  • Physician Assistant Committee Meeting July 10, 2017

    July 10, 2017, from 8:30 am to 3:30 pm

  • Douglas Henry State Museum Commission By-Laws Operating Policies (BLOP) Committee Meeting

    July 10, 2017, from 9:00 am to 10:00 am

  • Tennessee Pest Control Licensing and Advisory Board to Meet

    July 10, 2017, from 9:30 am to TBD

  • Douglas Henry State Museum Commission Meeting

    July 10, 2017, from 10:00 am to 12:00 pm

  • Real Estate Appraisers Commission Teleconference

    July 11, 2017, from 9:00 am to TBD

  • Audit Subcommittee of the State Insurance Committees Meeting

    July 11, 2017, from 10:00 am to TBD

  • Funeral Board Meeting

    July 11, 2017, from 10:00 am to TBD

  • Vocational Rehabilitation Draft Policy Public Hearing – Johnson City

    July 11, 2017, from 4:00 pm to 6:00 pm

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