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Archive for November, 2009
Settle Cases by Leveraging Your Financial Expert’s Skills :: Business Valuations
Mediators and litigators take note. Value is seldom ever a single number. It is a range on a continuum as of a particular point in time.
Gold holds its same properties regardless of timeframe, so what causes the price of this precious metal to change from year-to-year, day-to-day and even hour-to-hour? The fact is that investors are not simply looking at gold, but the market overall and making judgments as to the stability of investments in everything from currency to debt (bonds) and equity (stocks).
Often it makes sense to examine a business in the context of an amalgamation of assets and liabilities as well as people, processes, place and period and how this impacts the two primary areas a BV expert is compensated to defend: level of risk and economic benefit.
Let’s briefly examine each in the context of a quantifying risk. How much time has the BV expert expended looking at who are the key personnel, what are their backgrounds and health? What are present staffing levels and tenure as compared to its industry and market(s)? What impact does the current market have on retention? How much have staffs’ efforts been key to the current growth and profitability of the business? What would occur if one or more of these individuals were to depart or had a rocky marriage or failing health? Since management and key personnel are often relevant to the success of most businesses and funding sources almost always begin examining these issues, it makes sense the BV expert has to do so as well.
This becomes germane when examining level of compensation and existence of buy-sell, employee agreements and by laws as well as the existence of a transition plan and insurance coverage. Each of these issues will ultimately be quantified by the BV expert in the form of a discount rate. If two owners had similar annual revenues, but one was 35 and had been in operation for five years and the other was 55 and in operation for 30 years, some relevant assumptions could be made as to continuity and future performance.
Local Radio Personalities and a Real Life Superhero Team Up With Author and Housing Advocate to Save the American Dream
Local Radio Personalities and a Real Life Superhero Team Up With Author and Housing Advocate to Save the American Dream
Media and RSVP
Reach Marketing and Advertising Inc.
savethedream@reachmarketinginc.com or 1-877-325-7411
Los Angeles, CA, November 29, 2009: Rene Taylor and Josefa Salinas, have something in common, they have been in Radio for over 20 years, both of them are community leaders, mothers and the face of Predatory Lending Victims and Loan Modification scams. On December 12 2009, they along with other community members including high ranking LAPD officers will tell their stories at Save The American Dream Round Table and Community Town Hall meeting. The event is hosted by Shirin Sharkawi, Author of Save The American Dream, How to modify Your Mortgage and Rebuild Your Credit, as well as a Housing Advocate and Host of the Nationally Syndicated Homeownership Talk Segment, on the Warren Ballentine Show.
Shirin Sharkawi met the two women when she was a guest on Hot 92 Jamz, a Los Angeles based radio station, educating families about the pitfalls of Predatory Lending. During an interview, Josefa Salinas realized she was a victim and so did other air personalities.
The Round Table and Community Town Hall meeting will be Web Cast Live Online, and ran on local and nationally syndicated talk shows, to give consumers a voice and hold banks and political leaders accountable for Predatory Lending and Loan Modification scams. A four hour FREE Workshop, in Spanish and English, is to follow, with a $10 donation of canned goods for the local food banks. The workshop is a part of a blue print that has been created to mitigate foreclosures, assist consumers in lowering their mortgage payments, while rebuilding their credit.
Shirin’s blue print utilizes technology to broadcast the message to large numbers of Americans, and has created accountability measures that allow consumers who go through her workshop to have a place to grade their lender. Report cards will be sent on a monthly basis to The CEO, President, top executives and board members of banks and lending institutions, to local and national government agencies, including a special delivery to President Obama, political leaders and posted on line, to show consumers which banks are assisting Americans and which are not. This along with her online community that counsels thousands www.savetheamericandream.tv, and with the release of her book www.savethedreambook.com , Shirin is quickly becoming a key figure in Saving the American Dream.
Growing up as a young Palestinian girl and the daughter of survivors of the 1948 Israel/ Palestine war, she knew the importance of land for the long term security and equality of families. In 2002, along with her best friend Lynn Davis, Shirin Sharkawi began the journey to Save the American Dream, by knocking on anyone and everyone’s doors who could provide them a place to educate families about the pitfalls of Predatory Lending, and now loan modification scams.
Loan Modification scams and the lack of cooperation from banks, are stripping the last of what Americans have. We must continue to empower individuals with the knowledge to allow them to take control of their mortgage and credit, so they do not continue to fall victim.
“I am still knocking on doors, and will keep knocking until the housing issue is put on the forefront” comments Shirin.
With the support of friends, family and celebrities such as Jessie Justice Smith, American Gladiator and Real Life Superhero, Shirin and a group of industry experts, will travel the country with a series of town hall meetings followed by workshops to allow Americans a voice while arming them with the tools and education.
Invites have been sent out to local and national political leaders, whom community members want to hear from during these risky economic times.
Sign up:www.savethedreamworkshop.com or 1-877-325-7411
Business and Financial Interest Valuation :: Business Valuations
There is no asset that appears to confound advisors more than ownership in a business enterprise; perhaps, more so, a partial interest in a business or real property. The sheer number and impact of legal and financial issues has a myriad of implications on value. It is human nature to steer clear or minimize the net result of these issues, as they can be daunting. However, in the absence of substantial and independent conclusions that are empirically supported, opinions of value are mere guesses. Such estimates can lead to egregious losses of thousands, if not millions of dollars for your clients. A working relationship with a seasoned business valuation analyst (appraiser) can secure your advisory role with clients who require your advice in areas ranging from estate and succession planning to enhancing value via a thorough review of current operations.
Business appraisal and economic damages analysis is a niche. The CPA credential, in of itself, is unlikely to provide the requisite skills and resources to render opinions of value and may pose some conflicts of interest as well. Even after performing well over 350 written business valuation and damage assessment reports; holding membership and/or accreditation in all of the national business valuation organizations and providing testimony in over 100 depositions and court, there is much to learn about this industry. This chapter will provide insights to many of the issues confronting the business valuation analyst in the context of estate related work.
Thinking like an investor
Regardless of the property held, the business appraiser’s role may be simplified by attempting to simulate and quantify the most likely decisions made by a pool of investors. Obviously, marketable securities of publicly traded companies represent highly liquid, minority interests that can be bought and sold in minutes with cash changing hands in a matter of days. An investor principally examines several factors, but inevitably is concerned with the degree of risk compared to the economic benefit or return. Returns may be achieved by growth (capital appreciation), income (distribution of dividends) or both. The greater the likelihood that growth and income will be achieved, the lower the risk. The lower the risk, the higher the value of the property and the investment expected to acquire it. In simple terms, how much cash can be readily and consistently received during what time frames? This is basic financial theory where the property owner has to be aware of the market and economic climate for the specific investment as well as others, which may offer less risk or higher returns.
Ensure You Have a Qualified Appraisal :: Business Valuations
Volumes could be written as to what constitutes an acceptable level of work product that would pass the Daubert challenge, if litigated. While not all inclusive, this brief article strives to highlight some of the most basic aspects.
Nature and history of the business: The year formed and a cursory examination of financial summary is hardly adequate. Past transfers, examination of provisions in by laws, agreements, articles, legal documents and the impact of management’s skill, education, depth and health are several areas that should be commented upon whether the entity is an operating or asset holding company.
Economic and Industry Outlook: Businesses do not operate in a vacuum. In today’s economy capital for purchasing equity or debt to finance growth is difficult to come by even by banks and publicly traded companies. This has had a significant downward influence on most companies’ values. Tighter capital tends to reduce growth and curtail profitability. Some industries are prone to being impacted more than others. If the restaurant your used to making reservations 2-months now accepts walk-ins, rest-assured its value has likely declined. Averaging the past several years’ performance is counter-intuitive in this case. Think of a publicly traded company’s stock price after market analysts recommend a “SELL” from a “HOLD” position. The stock price is likely to take a 5% or 10% “haircut” (value reduction) based on current events, not solely historic.
Book value of the stock and business’ financial condition: Understand that the more the business relies upon tying up money in equipment, real property and inventory, the more likely the value will be more proximate to its book value. Conversely, a company with significant intellectual property and/or reputation, such as a service or technology business, will have most of its value associated with intangible assets, which will seldom be reflected on the company’s balancer sheet. The reliance on debt is favorable up to an optimal period; however, the higher the debt above this amount the greater the risk of insolvency. If there’s nominal discussion about these factors and the profitability and liquidity of the entity compared to external industry comparative data, then it’s inadequate.
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Increase In Quality Of Life After Breast Augmentation And Reduction
A study published in the Aesthetic Surgery Journal show a significant improvement in patients’ quality of life who underwent breast reduction surgery and breast augmentation Tampa sources say, indicating that benefits of the procedure go beyond the mere aesthetic result and practical functionality.
While breast augmentation surgery often involves patients getting breast implants Tampa surgeons note that a large number of procedures performed entail reducing overly-large breasts for improved appearance, symmetry, and self-esteem.
For breast reduction surgery, one hundred patients with breast hypertrophy were chosen to participate in the study, and randomly allocated into two groups. One group was selected to undergo breast reduction, while the other was put on a waiting list and served as a control group. At the beginning of the study, all patients were interviewed to collect demographic information, as well as to measure their self-esteem and functional capacity. The Rosenberg Self-Esteem Scale and Rolland-Morris (widely used self-esteem measures) were used for these quality of life measurements. Pain intensity was also measured using a visual analog scale. These measurements were evaluated again six months post-breast augmentation Tampa sources explain.
A decrease in the score on the Rosenberg Self-Esteem Scale indicated a marked improvement in self-esteem in these patients versus those in the control group after surgery. Functional capacity had also improved in this group of patients, who also reported a significant decrease in intensity of pain in the lower back. It is reasonable to conclude that these improvements were brought about by the breast reduction surgery.
According to statistics from the American Society for Aesthetic Plastic Surgery (ASAPS), 153,087 reduction procedures were performed on women in 2007.
These findings will go a long way towards helping plastic surgeons to evaluate and better understand the impact of plastic surgery on patients’ lives, and serves as an example of our commitment to evidence based medicine and outcome studies in aesthetic surgery. For more information about breast reduction surgery or breast implants Tampa patients are encouraged to contact their plastic surgeons to learn more.
The Best Free Forum Sites List on the Internet.
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TAMPA – THE BEST CHOICE FOR BREAST SURGERY
In Tampa, Florida, cosmetic surgery is becoming an increasingly viable option with the rise of several clinics offering reasonable prices for a wide range of procedures.
For breast augmentation, Tampa offers a large selection of cosmetic surgeons with ample skill to perform a variety of procedures. More than 2.5 million people have had breast augmentation performed upon them at Tampa, Florida. The reason for this is that prices for such procedures are falling sharply to appease a larger female demographic.
Do not feel embarrassed anymore about your body. If you feel you have gained excess weight and are unable to shed it in sufficient time, opt for liposuction or tummy tuck. Tampa offers excellent doctors for such procedures with long years of experience. You deserve the right to feel happy about your body and for that you must find the correct cosmetic surgeon. Tampa has a large pool of cosmetic surgeons, each with a specific list of specialties and recommendations and testimonials for them. The process of selecting a good cosmetic surgeon for your body has never been easier than at Tampa, Florida.
Although several procedures are routinely performed for the mental health and positive well being of clients, the major attraction for most clients to Tampa is breast augmentation or breast implants. Tampa surgeons are in the business of delivering happiness to clients, across all age groups – younger women seeking to reach the desired figure, or older women looking to regain their past physical beauty post childbirth.
Home Jobs
Online tutoring jobs are one of the most exciting and rewarding work from home jobs. Many people consider the prospects of work from home jobs as it allows them to work in a flexible schedule and from the comfortable environment of their homes. By means of online tutoring jobs, one can earn extra money and also help in accelerating their professional development. Online tutors are appointed to assist and guide students for both academic and competitive exam preparations. The popularity of online tutoring jobs and their services are growing at an exponential rate as they are beneficial to both the student and teacher, thus becoming one of the most important reasons for their recent popularity as work from home jobs.
As costs of hiring conventional private tutors are soaring sky-high, tutoring services facilitated through high speed internet and voice-over-internet-protocol technology has greatly reduced the costs of online tutoring services from distant teachers. Tutors from across the globe that are searching for work from home jobs are opting for online tutoring jobs as the process is a streamlined way of providing valuable knowledge on any subject, all at a comfortable schedule. Online tutoring is thriving as it provides the students with easy and economical access to expert tutors from around the world. And as online tutoring jobs are generally work from home jobs, they provide the tutor with increased flexibility and also ensures that there is never a scarcity student that needs their guidance as the clientele of the tutoring services are from around the globe and hence large in number.
If you already have a college degree or a state-certified teacher, you can earn extra money by working part time as an online tutor at your convenience. Online tutoring provides you with new challenges to put your education and teaching skills to good use. Online tutoring can serve as a good way to earn a little extra money or can help you earn your living when you are off work or in between jobs.
You can kick-start your online tutoring career by either joining the various online tutoring websites or by setting up your own website and contacting students through your website. Online tutoring allows you to make use of presentations, flash videos, animations and other interactive forms of teaching. By tutoring online one can expect to earn anywhere from $10 to $50 per hour per student. If possible, you can also teach more than one student at a time to make more money.
While looking for companies, see to it that your qualifications match that of the company’s requirements. Some online tutorial jobs require certain amount of years of professional tutoring experience and also certain degrees as prerequisites. Ponder over the company’s training resources and the commitment requirements, as the student are generally from different time zones, the tutoring services companies may require you to be available at certain specific time durations and also the minimum amount of online tutoring hours. Be sure to research the company’s background history before divulging any personal information to apply for work from home jobs.
Online tutoring opportunities-make money from home
WORKING FROM YOUR HOME IS A BLESSING AND EVERY EMPLOYEE’S DREAM, THE FACT OF THE MATTER IS THAT OFFICE JOBS ARE SO DEMANDING AND PRIVATE SPACE MAY BE COMPROMISED FOR IN A N OFFICE JOB, BUT THE REMUNERATIONS ARE MORE! BUT YET NOW THERE IS A NEW TREND OF LEGITIMATE JOBS WHICH A PERSON CAN DO RIGHT OUT OF HIS HOUSE AND GET THE EQUIVALENT OR BETTER REMUNERATIONS (THANKS TO THE PERKS OF TECHNOLOGY). BEST EXAMPLES OF THESE KINDS OF JOBS INCLUDE DATA ENTRY JOBS, MEDICAL TRANSCRIPTION, WEB DESIGNING, ONLINE -TUTORING AND ALSO AD -COPYWRITING, TO NAME A FEW. THESE JOBS HAVE ONE THING IN COMMON AND THAT IS JUST ABOUT ANYBODY CAN DO THEM (WITH THE PROPER AMOUNT OF TRAINING)AND THEY AREN’T AS TOUGH AS ROCKET SCIENCE YET THEY NEED PROPER CARE AND ATTENTION TO DETAIL,IF NOT THESE SIMPLE JOBS CAN HAVE COMPLEX OUTCOMES. THESE JOBS CANNOT BE JUST TAKEN EASILY AS IT IS TO BE DONE FROM HOME. IF YOU TAKE THIS JOB SERIOUSLY AND START WORKING ON IT THEN THE RESULT IS GOING TO BE AMAZING. PEOPLE CAN MAKE MORE MONEY THAN CORPORATES BY WORKING COMFORTABLY FROM HOME. ALL IT NEEDS IS A COMPUTER AND AN INTERNET CONNECTION. A VERY LITTLE KNOWLEDGE ABOUT HOW TO OPERATE A COMPUTER AND ABOUT INTERNET IS NECESSARY.
DATA ENTRY JOBS ARE THE MOST FREQUENT WORK-AT-HOME JOBS ONE WILL ENCOUNTER,SOME COMPANIES THAT REQUIRE DATA ENTRY JOBS ARE GOOGLE ,PAYPAL ETC AND NO SCIENTIFIC QUALIFICATION IS REQUIRED.THIS IS ALL DONE DUE TO THE TECHNOLOGY AVAILABLE IN TODAY’S HI-TECH WORLD,EMPLOYEES FINISH THE DATA ENTRY QUOTA’S AND SEND THEM VIA E-MAIL TO THEIR EMPLOYERS. MEDICAL TRANSCRIPTION ARE NOTHING BUT TRANSLATING THE AMERICAN DOCTORS AUDIO RECORDED VOICE TO SUIT THE INDIAN SLANG OR ANY OTHER NATIVE SLANG FOR THAT MATTER!WEB DESIGNING, AGAIN REQUIRES MORE OF A PERSON’S CREATIVITY RATHER THAN HIS INTELLIGENT QUOTIENT AND IF IMPLEMENTED CORRECTLY CAN FETCH HUGE BENEFITS FOR THE PERSON. ONLINE TUTORING IS A WELL SUITED JOB FOR THOSE WHO WANT TO GIVE APT INFORMATION TO PUPILS AND MANY INSTITUTES TODAY ARE PAYING HUGE SUM’S TO PROFESSORS TO E-MENTOR STUDENTS –THE ADVANTAGE IN E-MENTORING IS THAT IT CAN BE DONE ON A ON IS TO ONE BASIS.
AD-COPYWRITING IS ANOTHER CREATIVE MIND ORIENTED JOB THAT CAN BE DONE AT HOME. ITS SLOWLY DEVELOPING POPULARITY AMONG THE TEENAGERS OF TODAY, SOME COMPANIES WHO IMPLEMENT THEM ARE GOOGLE AD WORLDS, ETC THE JOB BASICALLY REQUIRES CATCHY PHRASES FOR PRODUCTS! THIS IS THE JOB OF THE EMPLOYEE TO FIGURE OUT INNOVATIVE PHRASES. JUST LIKE ALL THE ELEMENTS OF LIFE THESE JOBS TO HAVE THERE SHARE OF DISADVANTAGES SUCH AS SLACKING EMPLOYEES (BELIEVE ME HOME MAKES YOU SLACK MORE OFTEN),AS THE PROFESSIONAL ENVIRONMENT OF THE OFFICE CANNOT BE BROUGHT TO YOUR HOUSE SO EMPLOYEES TEND MISS DEADLINES.ANOTHER IMPORTANT FACTOR IS THE EMPLOYEE SHOULD BE CAREFUL NOT TO MAKE MISTAKES IN THE LINE OF WORK AS SOME OF THE MISTAKES MADE IN MEDICAL TRANSCRIPTIONS CAN PROVE TO BE FATAL.BUT BARRING THESE DOWNS IF THE EMPLOYEE IS WELL MOTIVATED AND SINCERE THIS COULD MIGHT AS WELL BE THE NEXT BEST THING AFTER IT/ITES CULTURE.
Work From Home -Legitimate Work from Home
Once we come to think about spending money we are bound to think about earning too. And setting up a home based business is a more comfortable mode of doing so. Tutoring business at home is a good idea to make such dreams a reality. It sounds easy, right? You don’t need any special training to be a home based tutor. So it’s easy and anyone with the required knowledge can do it. It is not a problem what you are doing. You can be a student or a professor. This is just a great job that will suit anyone who wants to do it. So when speaking about this it’s natural to think regarding the qualities that are needed to start this business. It can be started anytime. Here’s a list of the qualities that you should have if you’re starting a home based tutoring business. They are knowledge, tolerance, concentration, rigorous.
The knowledge is the most important part. You can’t teach if you don’t know anything about the topic you are about to teach. For your tutoring business and your customer’s sake, be sure that you have the proper knowledge about what you’re teaching about because it’s hard to survive without the knowledge when someone is expecting something from you. Patience is a virtue. And this business will test your patience. You need to find the customers and then satisfy them and keep them with you. Moreover not all the customer’s are not going to be easy to handle. Some may easily understand what you are trying to say but others may not. Concentration is also an important factor. Usually, you have to adjust your time schedules according to that of your clients’. It can take even more of your time. So as to sound as a full time but still focusing on it properly can make it a bigger part time itself. Finally you must be strict and rigorous. It’s because most of the students won’t take this seriously and would just want to have fun. So being stern will help you to coordinate them.
It’s simple to initiate a home based tutoring business. All you need to have are these qualities and free time. You should also be well prepared to face the growing competition. As this is a very simple business to start without any investment many people opt for it. You should not only stick to any particular grades as it will not help you to live up to the diverse needs of the customers and you have to be ready to take any lessons. There are various books and guides available for tutors to succeed in their feat. You can make use of it but just don’t keep wasting time and money on that. There are also various websites which help you with building the qualities of a successful tutor. And hesitate to say an answer “NO”. Use the internet to surf through any topic and stay current. The tutor’s secret of success is getting to know one simple saying Learning has no end.
Make Money from Home-Online Tutoring Opportunities-
The internet is growing so fast that it has not spared the field of education too. Online tutoring is now one of the best ways to make money from home. The number of people who take up online tutoring job is increasing day by day. Online tutoring refers to teaching in an integrated environment where the time of the teacher and student are separated. It is an advanced utility for the learners who are striving hard to achieve their goals by independent learning. Generally the tutor is an academic person. The one key factor is that there is no face to face relationship between the student and the tutor. The student should a self aggravated person so as to gain interest in the knowledge and of course he has to be an independent learner. There is one called the peer group tutoring where one among the student teaches the other students any particular course or stream. The tutor not only teaches the student academic data but he also supports him through his role. Communication skills for the tutor become essential in the case of online tutors.
Student of fortune is an online tutoring website in which the students can clear their doubt with the help of online academic tutors. They not only provide this but also render help in regard of essays, articles, research topics, innovative ideas and technical questions. So working as an online tutor in such websites will not only gain you a healthy amount of money but also will lead to a large exposure. Most of the students involve in peer group online tutor system as it is an easy work from home job and also serves as a part time job. Not only students but even the teachers of schools and educated house wives spend their leisure time in this kind of tutoring and earn money in a more comfortable way. Isn’t this really interesting? Yes. It is. And this job brings out an online socialization and knowledge exchange.
And the easy job of working from home also has competitions where to survive as a successful tutor you need to have certain competencies like organizing group discussions (starting at the proper time, giving it a smooth finish and moving on to the next), analyzing each and every participants arguments so that it will be of a great help in giving them the feedback and enhancing their knowledge (for successfully handling this the tutor should be aware of all the online demeanors of the participant) and keeping them aware about the latest technologies in the field of discussion. The online tutor should have various key points and shared ideas ready at hand. He should be capable of quoting any real time example to make the participants understand. He should focus on correcting the insufficiency and imparting proper knowledge to them. But surely the one who takes up classes online is going to miss the direct interaction but still he has the time of classes at his hand. So in future there will be an exponential increase in the number of pupil who adapt to online tutoring. Hence this is a growing dynamic field where you can sit at home, turn your knowledge into lessons and that would do to give a decent pay.
Work at Home
An attractive and a fun way to earn a little additional income can be done by starting a tutoring business. Teacher’s license is not exactly a prerequisite, but can help. However, with a specialized knowledge or if you have degree, tutoring is an amazing way to work at home and to share your knowledge with others. Home tutoring is a popular way to work at home. Home-based tutoring allows college students to work at home to earn extra cash. A meager amount of money is required for starting a tutoring business. This is the reason why tutoring is the one of the most lucrative and one of the best businesses that are home based. The only investment other than the measly start up cost is an educational degree and optional training. Higher education helps in expanding the choice of students but is not essentially needed to be successful at tutoring. Tutoring is a great opportunity for stay-at-home parents who want to make a little extra money and to work at home.
Tutoring offers a schedule that is exceptionally flexible and also doesn’t demand very much time. Only a few hours a day are enough to make good profits. A tutor can expect to earn anything between 20 to 150 dollars per session, the price is heavily dependent on the challenges of the student, the subject matter and your education and experience as a tutor. A specialized tutor makes more money than a general subject or a conventional tutor. Remember tutors have the ability to work at home, travel to the students’ home, or work out of the local library. By starting a tutoring business you will have the freedom to choose exactly what you want to teach, who you want to teach, and how you want to teach it.
Remember, for starting a tutoring business you need to make sure you get your name out there. If you want people to come and use your services you have to let people know that you are a tutor. People usually like some type of certification. Usually your local community college or adult education programs will offer a certification program for tutors or substitute teachers. This is a great way to show you have the right education for starting a tutoring business. To work at home, make your services known to the local home school groups and to the charter schools. You would generally not want your office or your tutoring room to resemble a traditional home office. The office space should be comfortable and cozy, with all the essential elements of a tutoring service complete with a table where you can personally sit next to them and help your students and work with them. The professional tutoring ambiance may be a stern for the students as it might resemble highly as a principal’s office. Whatever the location you choose to work with, it should be maintained in a neat and tidy way to make the students feel welcomed and thus to ease the process of learning..
Save The American Dream Seminar…Reclaim A Legacy Workshop
Local Radio Personalities
Josefa Salinas and Rene Taylor
Join Forces with National Housing Advocate and Author, Shirin Sharkawi
to Save The American Dream
What: Save The American Dream Seminar…Reclaim A Legacy Workshop
Why – National Banks are falling short of modification eligible families mortgage’s causing national hardships and a strain on our economy. This workshop and on going blue print, is designed to give American Families the education, tools and support to create a household budget, take control of their mortgage and rebuild their credit.
Host – Shirin Sharkawi
Housing Advocate, Host Of Nationally Syndicated Homeownership Talk Segment on the Warren Ballentine show and Author of Save The American Dream, How to Modify Your Mortgage
And Rebuild Your Credit.
Moderated/Special Guest – Josefa Salinas and Rene Taylor, Hot 92 Jamz Radio Personalities
When – December 12, 2009
Roundtable – 9:00 AM- 10:30 AM
Workshop: 11:00 AM – 4:00 PM
Where- Dockweiler Youth Center, Playa Del Rey, CA
Work Shop Agenda- How to Lower Your Mortgage Payment
How to avoid foreclosure
How to buy a house after a foreclosure or bankruptcy
How to rebuild your credit after setbacks
How to put together a budget that pays down debt and builds savings
How To Rebuild Your Credit
How to Negotiate A Loan Modification with your bank
How to Negotiate A Short Sale
How to qualify for the Obama Housing Plan
How To stop collection calls with 1 letter
much more
Sign Up – www.savethedreamseminars.com
Media/Political Leaders RSVP For Roundtable rsvp@reachmarketinginc.com
EVENT WEBCAST LIVE VIA USTREAM
KNOW YOUR RIGHTS – ATTORNEY ON HAND TO ANSWER YOUR QUESTIONS
WORKSHOP WILL BE TRANSLATED IN SPANISH
Permanent Results Of Plastic Surgery
One of the main questions patients ask regarding plastic surgery is how long the results of their surgery will last. For instance, after getting breast implants Tampa patients frequently inquire about long-term results and the possibility of revision breast augmentation. After all, with all the research, time, and funds invested into any given plastic surgery procedure, it is natural to ask if your procedure will produce permanent results or if you could expect to have additional surgery later down the line to maintain the benefits of your cosmetic surgery.
Including many facial plastic surgery as well as body contouring procedures such as breast augmentation Tampa surgeons say most cosmetic surgery procedures can be considered permanent, in that their results will last for many years. In many cases, though, the lasting effects of plastic surgery will depend largely on how well the patient takes proper care of him or herself.
According to an expert plastic surgeon Tampa liposuction, for example, can greatly improve the shape and contours of your body by removing excess fat cells, but if, after liposuction, you eat poorly and avoid exercise, the remaining fat cells will simply enlarge again and you could find yourself with the same unpleasant fat deposits as before your procedure.
In addition, if after multiple pregnancies or extreme weight loss plastic surgery Tampa patients get a tummy tuck then regain the weight or become pregnant again, they will unfortunately lose the tighter, slimmer figure the surgery provided and will likely return to a state similar to its preoperative state. Certain procedures naturally last longer than others. The effects of facial procedures such as eye lifts, for example, can last many years, preserving your more youthful appearance. Rhinoplasty is also a long-lasting procedure, as aging has only a minor affect on the nasal structure.
There are cosmetic procedures, such as use of injectable fillers to reduce lines and wrinkles, aren’t intended to be permanent. Injectable fillers such as Radiesse® can produce results that last at least six months, and sometimes as long as a year, but after that the procedures must be repeated to maintain the desired effects. A breast augmentation on average lasts about ten years, but breast implants are subject to wear that can lead to rupture or leakage. If there are any signs of leakage from an implant, it should be removed and replaced immediately Regular checkups are strongly recommended for patients who have had breast augmentation surgery. For more information on the long-term benefits of plastic surgery, contact your local cosmetic surgery experts to learn more.
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