Keeping Hope Alive – Behind the White Noise and Shiny Objects

recessionAs you probably already know my recession started in late 2006 following a (in retrospect) bad decision on my part to accept a new position in another division of my company. I was let go and then I had to learn how to let go:

  • Of resentment
  •  Of anger
  • Of fear
  •  Of material things (like my house and my car)
  •  Of the past

 

Four years later, even though I have worked several decent paying gigs:

·         my bank account is light

·          if you ask a financial adviser they’ll tell you that my retirement plan is looking a lot like a job as greeter at Walmart

·          I don’t remember what an annual physical or mammogram is like because I belong to one of those (insert number in thousands or millions depending on your party affiliation here)  people with no health insurance

·         I do not possess a credit card or a high credit score

And you know what? I’m fine with all of that. Every day is a beautiful day, a blessing to be cherished. I appreciate what I have and what I can actually afford to buy [I bought my son a laptop and paid cash, I was so proud when I realized what I had done]

 

So, Where are YOUR Bootstraps?

 

And I’m telling you this because….

  1. I want you to know that no one is going to come and “fix” your personal economy. Once you get far enough away from a steady income and deep enough into debt, it’s a long road back
  2. I want you to realize that you can’t blame the government for your situation, then say the government is too big, and then blame the same government for your situation – yes I repeated myself, reading it makes as much sense as doing it does.
  3. I am slightly angered by corporate sponsored candidates who will tell you that if government stepped out of the way, companies would step in and take care of the “community”. Bullshit, is what I say. Why aren’t they doing that already? There is no legislation stopping these companies from taking care of the community now!  So why would you believe for even one moment that the people with the real power (jobs) to turn the economy around, who have not exercised that power, are going to make things better if they gain political power. Yeah they’ll make things better – for them.
  4. I tripled my yearly earnings under Clinton, lost everything under Bush, and gained some of it back under Obama. But I’m not assigning credit or blame to any of them, because this is my life and my responsibility, and it’s my hard work, foresight, intuition that causes me to gain or lose. I want you to stop blaming the wrong people for where you are. As a matter of fact, I want you to stop blaming altogether, that’s a lot of your spiritual power that you’re giving away there.
  5. I’ve learned that if you turn off the external noise – friends, family, media – and turn inward to the place in you where God is – he really will make a way where there is no way. I have never considered murder–suicide – not mine, not the President, not my family – as an alternative. You see I know that in 10 years, the past 4 years or so  will be just that – the past, and life and the world will have moved on and the angry people will find someone/something else to be angry about, and I’ll be living and crocheting in Europe (which is a dream of mine and honestly nothing personal against y’all).

 

Enhanced by Zemanta

How Xyng Has Helped Me To Be Perfectly Clear & Get Things Done

Let me be perfectly clear, I really don’t usually use my blog for product endorsements and as you will see in an upcoming post, I have also stepped out of the MLM arena. Howsomeever (put your thesaurus down I made that one up), when I do find something good then I have to be like what’s his name from that 70’s sitcom and say “I got it, I got it and I gots to report it!”

First a little background – I’m a web developer or programmer or whatever they call the people who create the stuff you use every day to get your job done and get on with your life – my official title is “consultant”. My job requires sometimes making a size 6 shoe fit a size 10 foot, what I mean by that is that clients will purchase a piece of software and then expect me to make it do things that it was not intended to do.  And that’s OK, as one of my project managers puts it “That’s why they’re paying us”.  As you can imagine, I sometimes find myself gnawing on the problem of how to get that big foot into that little shoe for days on end – you get the toes to fit and the heel pops out, heels are in but the big toe pokes a hole in the front, you know what I mean.

In addition to my day job, I am a serial entrepreneur who is currently trying to grow her handmade items business. Handmade requires energy and clarity – these hats and bags and capes and shawls just ain’t going to crochet themselves!

Enough about me, let’s talk about what Xyng has done for me (sorta stole that one from Beaches-:). I’ve been working on a project  for the past month, that just seems to be my Waterloo, none of the features have ever been implemented before and everything that could go wrong etc etc.  Yesterday I was found myself so close to the finish line, just one last little issue to tackle and I’d be done. I just knew I could fix it by lunchtime and move on to something else; unfortunately, lunchtime came and went and I was still stuck. I was so frustrated I screamed at my project manager and then – frustrated and embarrassed – I went out to the bathroom and had a little cry. Well of course that didn’t help, by 2:30 I was no closer to a solution and I was falling asleep sitting up!

I hated to take a Xyng so late in the day because of that hours long burst of energy thing,  but felt that I had no choice. By 2:45 the Xyng had kicked in and …holy crap, how did I miss that?!? I found my problem, fixed it, tested it three ways from Sunday and was on my way home by 3:40.

Now this has happened to me before, I take a Xyng, I get a lot of energy and I get stuff done (it really powers up my workouts and turns me into a one-woman house cleaning machine!). But it wasn’t until yesterday that I put two and two together and realized that it wasn’t an anomaly and that  Xyng really does clear the fog out of my brain and helps me to find solutions too!

So there is my little Xyng testimonial, but more than that, it’s just me telling you that if you’ve got things that need doing, you probably ought to give Xyng a try. My hubby the Woodchuck will be happy to send you a free sample, just email him at cni5star@gmail.com and tell him I sent you.

You can learn more about Xyng at www.deniseleeporter.com

You can view my handmade products on ETSY

And you can read about why I didn’t put any links in my post here

Oh Yeah and when I got home I made a shawl and two hats

Strawberry Fields Capelet

Strawberry Fields Capelet

Reblog this post [with Zemanta]

Mother’s Day Giveaway!

Red Sparkle Evening Clutch and Drawstring  bagMother’s Day is just around the corner and I wanted to do something nice for all of my readers.  You probably all know that  crochet a little bit and that  I also have an Etsy shop.  Lately I have been really into bags- clutches, backpacks, drawstring bags, hobo bags – you name it.

Well what woman doesn’t like a cute bag? So to save one lucky reader the trouble of purchasing too many Mother’s Day gifts, I have decided to give away one or more bags within the next two weeks. Here’s all that you have to do:

1. Visit my Etsy site and use the Share link on the right to Tweet about one of my items – make sure that you include #Niseylee in tweet so that I can search for it

2. If you don’t have a Twitter account, become a fan of my Crochet From The Heart page on Facebook, share one of my pics or items  and leave a comment on this post to let me know that you did.

3. Read and comment on at least one of my blog posts

4. Add a link to this post on your blog (if u have a blog that is)

5. On Saturday April 24th I will choose  someone to send a bag to, I will rinse and repeat on May 1 st, so be sure to participate both weeks!

I haven’t decided which bags to give away yet, but here are pictures of likely candidates (the two red sparkly bags on the top left are included). If you have trouble with any of the tasks please let me know!

img007621

picture-476 img00760 img00763
Reblog this post [with Zemanta]

Four Major Benefits of a Discount Benefits Plan

discount dental plans

My family and I have been using the Ameriplan Discount Plans since my COBRA ran out in 2007. Sure I have a job and could get my benefits through them, it’s only $350 per month for medical , a small additional for dental, with a 40% copay. I thought long and hard two years in a row and both times decided not to opt in. This year I chose to add an HSA to complement my Ameriplan Discount Benefits Plan – now I can got to a plan provider, pay a discounted rate, and get reimbursed via pre-tax dollars.

Here are just a few of the ways in which my family has benefited from a discount plan

  1. Our plan covers anyone and everyone.  My grown kids have been able to use it during periods of unemployment or underemployment when they didn’t have a plan of their own. There are no restrictions on who is covered – grandkids, friends, uncles, aunts, cousins, daughter’s fiance – they can all use the plan.
  2. We don’t have to pay a lot in order to get a lot. Let’s do the math -there are 4 of us, we pay $30 per month($360), a doctor or dentist visit runs about $40 per person($320), so in a normal year we spend about $700. Contrast that with $4200 per year which is what my company health insurance costs without dental or copays!
  3. We have a hospital advocacy group. One of the greatest fears that people have is the fear of being hospitalized and being bankrupted by the high costs. And trust me, regardless of what you have heard recently, the costs are extremely high. When my husband was hospitalized, his overnight stay ran well over $20,000. Once I recovered from the shock of it all I faxed my bills over to our advocacy group and they handled everything from there. Our final cost was somewhere around $9500 (with monthly payments!). Who advocates for you when your insurance company denies a claim?
  4. There are some tax benefits to having a discount plan also (because it isn’t employer sponsored). I don’t want to lead you astray so be sure to ask your tax advisor.

Right now Ameriplan is offering all of their plans for 50% off to join and 50% off for your entire first year. That means that for $19.98 per month you can get medical, dental, prescription, vision and chiropractic for your entire family. Check it out, make sure that there are providers in your area and sign up before this deal goes away!

Reblog this post [with Zemanta]

The Real Truth About Network Marketing – The More You Fail, The More You Will Succeed

“To think what you want to think is to think Truth, regardless of appearances” – Wallace D. Wattles

momentum is everythingIt’s going to happen to you (if it hasn’t already), whether it’s a phone call  or a face to face  with a network marketer, or maybe you will attend a local meeting  of a network marketing company.  The person who prospects you will tell you about Suzy Q the homemaker who just wanted to make $400 extra a month to help her hardworking husband with the bills, who threw herself into network marketing  and it was so hard that she almost gave up! But she kept at it and today she is a six-figure earner! And then there’s Jimmy Z, everyone knows about Jimmy, he started way back when before Al Gore invented the Internet and he built a multi-million dollar business by doing meetings in McDonald’s and grocery store aisles!

If you go to a local meeting Suzy, Jimmy and their friends will be paraded across the stage and they will each tell their story and they will cry genuine tears – because it was hard and everyone laughed at them and said it couldn’t be done – and they did it anyway! At this point you will be crying too as you fill out the form being handed to you.

When all is said and done you have joined a new business opportunity, you are pumped, you are ready to change your life, you are going to eliminate all of your debt in the next 12 months! You’re so danged excited that it’s hard to sleep some nights, I mean after all you are going to be earning six figure by this time next year – imagine that!

But wait – did you not hear the disclaimer, did you miss the part about :

1. Results not being typical and

2. And the fact that it can  take a lot of years, tears and hard work for the average Joe to succeed

Yes, yes, in your excitement you totally missed where Jimmy said that he talks to folks in parking lots (that’s gauche and yo don’t plan to do that and anyway you just got this email from some MLM guru guy who for just $1197.00 is going to show you howto earn 10K per month by this time next month).  You didn’t miss the part about two to ten years to that six-figure income because that’s for average people and you plan to be Suzy Q the one who did it in a year, heck if she can do it so can you!

So  (totally ignoring all the training you are receiving from your team about investing time rather than money at the front end)  you buy expensive leads, take out expensive ads, and do that guru program and you check your back office and bank account daily to see if you’ve signed up  a thousand distributors and made any progress towards your 10K.  Well that’s just exhausting isn’t it?

And when you realize that you’ve invested more than you’ve made, well that’s when you start to throw up the “Obstacles To Your Own Success”:

1. You begin to find fault with your upline – after all he brought you in, he gets paid off you every month,why isn’t he helping you?  Why doesn’t he provide you with leads or do calls for you so you can watch TV in peace?  And he probably doesn’t even make as much as he said. What a loser, he’s just using you…..

2. You begin to find fault with your company, product or team and you disconnect – you don’t listen to training calls, you don’t attend events, you think the product or service is too expensive or doesn’t work….

3. You become cynical about network marketing – after all everywhere you look on the internet they say 97% fail, and you probably have to get in at the beginning to be successful, and maybe it really is a scam….

So where are you right now? Are you reaching for the stars or are you throwing up obstacles?

* disclaimer- Al Gore did not invent the Internet

Reblog this post [with Zemanta]

Part Two: Applying The Four Agreements to Your Business & Life

Presents under the tree, courtesy of my residual income check

Merry Christmas To You & Yours!

In my last post I discussed two of Don Miguel Ruiz’s “The Four Agreements” and how they can be applied to your life and business.  I was not surprised by some of the responses to my last post since at one point or another,  we all have trouble getting out of ourselves and interacting “correctly” with others. The first two agreements tell us that our work is always with ourselves in that we have to be impeccable with our word & we must not take what others do personally – remember you aren’t the center of the universe and everything is not about you.

Don’t Make Assumptions

Making assumptions wouldn’t be so bad if you acknowledged that “yes, I am making an assumption which may be an incorrect reading of this person or situation”; that never happens, you and I make assumptions every day, believing that each assumption is the truth.  And because we approach people and things in this way, we create drama out of nothingness.

One of the incorrect assumptions one can make in the weight loss business is that if you hand someone your business card, you’re insinuating that they’re fat and need your product. So you assume that it would be insulting to even approach people and you just keep it to yourself.  How much money can you make doing that?

Consider if you will the state of matrimony, starry eyed brides and grooms make a big assumption – they each assume that the other holds the exact same views that they do!  This leads to many problems down the road because each assumes that the other should know what they want, what they are thinking from one moment to the next, what their expectations are! The road to divorce is paved with incorrect assumptions; the road to a long and happy marriage is paved with incorrect assumptions which were then clarified because one or the other of you asks a question such as “Do you mind if I play poker with the guys every other Friday night?”. In some relationships it may be assumed that if there was a poker or girls nite out before,  then marriage won’t interfere with that. hmmm.

Find the courage to ask questions and to express what you really want. Communicate with others as clearly as you can to avoid misunderstandings, sadness, and drama.

Always Do Your Best

Your best is going to change from moment to moment, it will be different when you are healthy as opposed to sick. Under any circumstance, simply do your best, and you will avoid self-judgment, self-abuse, and regret.

To live a happy, healthy, and  productive life you must always do your best.  Doing your best puts you on the up side of your  slight edge and keeps you moving forward in a positive direction.  Face it you aren’t always going to remember to be impeccable with your word – your sister will call and you will suddenly find yourself gossiping about your brother’s new girlfriend or you and a co-worker may engage in a water-cooler talk about a fellow employee.  Sometimes when you are in the middle of a sales or prospecting call you will forget that it’s not about you, you will take something personally, and then you will find yourself unable or unwilling to do another call. And yes of course you will make assumptions – you’ll assume that someone is unapproachable when they aren’t, or that your new husband’s parents don’t like you, or that someone is flirting with your girl, when in reality  they are just being nice.

Christmas is a bad time for a lot of people. I have never understood this. Why are you stressed? Do you tense up just thinking about Christmas dinner? Are you approaching the season with joyful anticipation or intense  trepidation?

Relax, be impeccable with your word, don’t take anything personally, don’t make assumptions about the presents that you give  or the presents that you receive, just enjoy the season and do the best that you can at all of these things.

Merry Christmas & Happy Holidays to you all!

Reblog this post [with Zemanta]

Applying The Four Agreements to Your Business & Life

The Four Agreements
Once upon a time I worked for a Fortune 500 company and was very unhappy. You see I was a dedicated worker who put in many hours and got the job done, but all anyone seemed to care about was my attitude!

Listen, I’m West Indian, we are born with attitude, we don’t sugarcoat things – not because we don’t know how to, but because we don’t know why we should lie when the truth is as plain as my very broad nose.

I live in the South and at the time felt unloved and misunderstood by my coworkers and managers; I wanted to be successful in my corporate career because I didn’t know any better. So my sister gave me this book “The Four Agreements” by Don Miguel Ruiz and when I  read it something clicked. I typed up the four agreements and pinned them to the wall of my cubicle where I could see them everyday.

Did I become an overnight success? Did the CEO send me flowers? Did I get a big raise?  No, but that wasn’t the point was it? The point was to feel good about myself and radiate that out to those around me. In this I was successful, because I was able to separate what was about me from what was about them – most of the time.

If you are a network marketer or internet marketer or in direct sales, I believe that The Four Agreements should be a part of your life too.  After all we attract what we are, and if you are a lying, cheating so and so, or are afraid to pick up the phone, or can’t bring yourself to approach anyone about your business because they might say “No”-  well….

Be Impeccable With Your Word

Don Miguel says that by adhering to just this First Agreement you will create “heaven on earth” for yourself.  He also says that your word is the power that you have to create (for better or worse) the events in your life. Impeccable means “not liable to sin or  incapable of sin”. To be impeccable with your word you must “Speak with integrity, say only what you mean.  Avoid using the word to speak against yourself or to gossip about others. Use the power of your word in the direction of truth and love “

I think that, for the marketer, being impeccable with your word  could also mean to not make outlandish promises or tell lies about your product, service or business opportunity.  You know things like “make money in your sleep”?

Don’t Take Anything Personally

The Second Agreement was and still is probably the most relevant for me. We are all narcissists to some extent and think everything is about us  and when you get into marketing you really start to take things personally – the person who says that yes they are very interested as they hang up the phone, or the one who lets you get halfway through a 20 minute presentation and then hangs up, or the guy who skips your meeting at the  Starbucks way across town (for which you used up all your gas for the week), or the Purchasing manager who says “I’ll take a look at this and get back to you” – and then doesn’t remember who you are when you follow up!  “Nothing others do is because of you. What others say and do is a projection of their own reality, their own dream. When you are immune to the opinions and actions of others, you won’t be the victim of needless suffering

The last two agreements will be discussed in my next post. If you don’t already own this book, The Four Agreements: A Practical Guide to Personal Freedom, A Toltec Wisdom Book get it now and leave me a comment, let me know what you think!

Reblog this post [with Zemanta]

10 Last Minute Gifts For The Entrepreneur In Your Life

christmas gifts for the entrepreneur

We all know and love someone who is just cut from a different bolt of fabric. That kid we knew who actually found a way to make real money from her lemonade stand or the big picture guy who actually loves talking to everyone he meets about that weight loss product he discovered in college or the grandma who is supplementing her income selling cell phone plans! Having trouble choosing a present for your entrepreneur? Have no fear, I made a list for you:

1. For the newly minted (or firmly established) network marketer in your life , might I suggest the book  Your First Year in Network Marketing: Overcome Your Fears, Experience Success, and Achieve Your Dreams!

2. Entrepreneurs are naturally  motivated people and they stay that way by focusing on personal development,  but they don’t always sit still long enough to read a book. Give them one that they can listen to in the car, on the bus, or wherever they happen to be. Try one of Jim Rohn’s audio books such as his Jim Rohn’s 2004 Weekend Leadership Event or UPDATED Building Your Network Marketing Business 10 Copy CD Pack

3.  For direct sales entrepreneurs (bearing in mind that we are all always selling something) I love Brian Tracy, practical advice delivered in a straightforward way. I  have personally listened to this one about 50 or so times just this year alone The Psychology Of Selling: The Art of Closing Sales

4. Entrepreneurs love books  because they always want to know what the other guy did to be successful! You can’t miss with a good autobiography like who doesn’t want to know how Bill did it (not Clinton, the other one) Showing Up for Life: Thoughts on the Gifts of a Lifetime

5. Network marketers and those in direct sales guys always need fresh blood/ new people to talk to. A leads subscription is a  practical and useful gift that keeps on giving all year long! LeadOverage.com offers packages that start at just $9.99 per month, or check out Freesurveyleads.com for less than $100 you can get 400 leads every Monday morning.

6. If your little entrepreneur is always on the move doing presentations in supermarkets, coffee shops and parking lots then they will absolutely love a mobile internet package. This will allow them to stream video and audio presentations or   go paperless and sign up prospects on the fly by accessing their websites from anywhere. CLEAR offers a great package as do other companies. If you’re interested in Clear call me (814) 422-5327, or see what your local providers are offering this month (here in Atlanta they are all trying to compete with Clear and that’s good for you).

7. The on-the-go marketer needs a way to organize all of their advertising materials (flyers, brochures, postcards, business cards) , I like this Melie Bianco W9-330 Messenger,Blue,one size but am sure you can find something more fitting for your male or female entrepreneur

8. Speaking of advertising, hop on over to vistaprint.com and bag some free business cards, brochures, glossy postcards etc. All you will have to pay is postage!

9. Even entrepreneurs need to relax (I know it’s hard to get them to do it, they are so focused on that goal) at some point. For the gamer in your life might I suggest a gift card from GameFly.com. I got this for my son three years ago and have saved tons on video games, while he has been able to play hundreds of games fo rjust 14.95 per month!

10. This present can serve double duty – your entrepreneur can use it personally or as a give away in their marketing package. Restaurant.com offers discounted restaurant gift certificates – a $25 gift certificate for example for only $2-$4. There are some minimum purchase requirements and restrictions (like it doesn’t cover alcohol) but I use them and love them. They have a special today: GET $25 GIFT CERTIFICATES FOR ONLY $3!
Enter Discount Code: SNOW

Well I could go on and on but I won’t. What would you add to this list?

Reblog this post [with Zemanta]

Honestly, Why Are Scammers Targeting You?

NEW YORK - JANUARY 14:  Accused financier Bern...
Image by Getty Images via Daylife

11/24/2009 – I just saw a story on TV where an older woman was scammed out of $3000.00 by two women who claimed to be illegal immigrants with a winning lottery ticket that they could not cash. She bought the ticket from them thinking that it was worth $50,000.00!!!! Of course it was  a useless ticket and she got what she paid for – nothing for something. This being the season for scammers and get rich quick schemes I thought that I should repost this article as a reminder that you really can’t cheat an hones man, but….

If I had a dime for every person who has told me “I’ve been scammed before”, I could retire to my New York penthouse.  But you know if you have been scammed, you do realize that you have no one to blame but yourself?

I hope that didn’t come as a shock and surprise, you see you can only be scammed if you are open to being scammed, meaning you’re looking for easy money or a way to “get rich” overnight with little or no effort.

You can’t cheat an honest man, it just can’t be done. But you can find the man who wants something for nothing, and give him nothing for something. – Michael “Mickey” Foster

Mickey Foster is a con artist, his job is to find people who want something for nothing and give it to them.  Like you, I have lost a ton of money in various “schemes”, for example I invested 10K  hoping to get a 25% return. It was 2007 and before i could say “money for nothing” my investment had vanished into a home that could not be sold because the market had tanked.   I wanted something for nothing and I got just that – nothing.

You’ve heard about the Nigerian scam, my Dad was forced to leave the country, there are millions in the bank and we can’t get it out, Mum is dying and we need the money to get her out of the country, my brother was run over by a lorry and lost his leg…the long and short of it – you give me a small amount of money and when we get our money we will give you 50K. This scam is as old as the hills and people still fall for it, why?

Probably because, it’s got a sympathy and empathy factor so that you don’t feel guilty for getting such a large payout for your small investment and you get to feel that you are doing a good thing. You may think that you’re an honest person, but honest people know that good things come to those who work hard for them. An honest man would delete the first  email after reading it and send all follow ups to his spam folder to be deleted later.

Of course a scam can be much more subtle “i can show you how to make money in your sleep”, “I made $6,326 in one day and I can show you how”, “attract endless leads with this system” and on and on. Here’s a clue:

  1. Only lottery winners make millions overnight, so if you haven’t won the lottery
  2. To make money while you sleep requires a lot of work on your part
  3. If you paid hundreds or thousands for a sure fire business opportunity.
  4. If you are having trouble finishing what you start  (jobs, businesses, relationships)
  5. Then you just may be an opportunist, that guy or gal who is looking for lots of return with little or no investment of time, energy, emotion, or dollars.

Don’t get me wrong , you get into the right business and put some muscle in it, you will make money in your sleep. But you have to be consistent and persistent, you have to be willing to do what it takes, you have to read some books and learn some things, attend a seminar or two or three, hop on some of those guru calls, manage your time well and learn how to be productive, and you can’t give up if you aren’t rich in six months , because then you’re just proving that you’re an opportunist, right?

And who the heck is Mickey Foster you ask? Well he’s just my favorite character on a Brit show called “Hustle“. It comes on AMC, I watch it On Demand so i have no idea when it airs, great show though.

Reblog this post [with Zemanta]

Struggling? Here Are 10 Steps To A New Home or Just a New Mortgage Payment

NACA.com promotes home ownershipMany of us were hurt by the fallout from failed banks, failed mortgage companies, and failed financial strategies.  First home prices fell, then salaries fell – and shortly thereafter we realized that we were :

  1. In the best real estate buyers market ever with no way to take advantage of it – OR-
  2. Carrying a mortgage payment that we could no longer afford

Before we go any further let me make one thing clear – millions of people across America didn’t just wake up one day and each make the same bad financial decision to get into a mortgage they could not afford. I know that this is what some of you believe (and very strongly at that)  because it’s what the media tells you, it’s what your favorite talk radio guy tells you – but that don’t make it true people.

The fact of the matter is that you can have a low interest rate mortgage with a low monthly payment – but if you do not have  the same income that you did 3 years ago (or you have no income at all) no one and I mean absolutely nobody is going to help you when you’ve fallen 3 months behind, five months behind or even 6 months behind. The mortgage companies’ idea of  “a workout” is  often laughable; to you an dI it would make sense for them to look at your current income/debt and give you a payment that you could actually afford so that you and your neighbors can stay in their homes. But, nooooo, instead tey will attach the six months sans interest to your existing monthly payment and give you a payment that is basically double the amount that you couldn’t pay in the first place!

In some parallel universe this strategy makes total sense, unfortunately we do not live there, we are ere in tis universe where we end up losing tat home to foreclosure and then the bank sells your $100,000 home for $20,000. That’s right twenty thousand dollars! Now why couldn’t they just give you an affordable payment instead? If one of  you, my dear  readers , understands why this is please tell me so that I can explain it to my cousin who lost her home in just this way.

To add insult to injury, we also have companies who will take what little you have left in your savings account to assist you in getting a “loan modification” . I like to call this something for nothing, they take your money and promise you salvation, and you end up with the same deal that I mentioned earlier – that wonderful “workout” thing.

Well thank God for “The Neighborhood Assistance Corporation of America” and founder Bruce Marks who believe that neighborhood stabilization means getting people into home ownership and keeping existing homeowners in their homes.  NACA is a non-profit group that advocates for homeowners and would be homeowners. Their Home Save program can help you to get into an affordable mortgage situation if:

  1. You live in your home
  2. You only have one property in your name

To get help from NACA you must :

  • Visit NACA.com and find a Workshop near you
  • Fill out the forms on the NACA website and get an appointment with a counselor
  • I suggest filling out the forms after you have attended a workshop as the workshop will teach you how to fill the forms out correctly
  • Become a part of the solution. NACA is all about giving back, so don’t just take your new low mortgage payment and walk away. Volunteer to help out at workshops, help the advocacy effort by  advocating for economic justice to politicians at the  local , state, and national levels.

NACA is not a  government handout and no one gets something for nothing.  It is the kind of program this country desperately needs, so tell all of your friends and families – no one should lose their home when help is so close at hand.

Reblog this post [with Zemanta]