Mortgage problems? Everything changed on June 1, 2012. This book will help. It's the consumer's version of federal rules for modifying home loans, current with important changes that took effect on June 1, 2012. If you don't know what to do. If you've applied for a modification, but it's taking too long. Even if you've been turned down. Rely on this valuable resource during a long, unfamiliar, and discouraging process. It can shift the balance of power and help you get control. Cut through technical jargon and specialized knowledge. Homeowners, landlords, and their trusted advisors now have a simple and complete reference when working with lenders. Step by step, it explains what you need to know and do to get a loan modification. The federal Making Home Affordable Modification Program sets rules for more than 85% of all home loans. What are the rules? Can I lower my payments? Is my lender required to modify my loan? Do I qualify? Does my lender play by the rules? Here are the answers to your questions, plus 12 questions to ask your lender. Now you can understand the guidelines that the big lenders like Bank of America, Chase, and Wells Fargo use to modify home loans. They claim they want to help. It doesn't matter - they are overwhelmed. Borrowers must take responsibility for themselves. This book makes that possible. Loan Modification 2012 Essential Guide includes helpful suggestions and practical tools. Use the forms, grids, and worksheets to calculate your new payment, complete financial information, and qualify for a modification. Look up unfamiliar, but crucial terms in the Glossary. This is the User's Manual for homeowners, landlords, and their professional advisors to get the most out of the Home Affordable Modification Program. Knowledge is power. Get the results you want and deserve.

Drivers and fleet managers are looking for ways to reduce petroleum use, fuel costs and vehicle emissions. This guide has an expanded selection of vehicles that use gasoline or diesel more efficiently or not at all.

A consumer guide to planning funerals. With tips on costs, services and products, cemetery sites, etc.

This guide provides homeowners with tips on how to best maintain heating and cooling equipment, to take steps to improve efficiency of their HVAC system and decide whether it is time to replace old heating and cooling equipment with more energy efficient equipment.

This is the original "how to" manual in conversing on the Citizen's Band (CB) radio. It is complete with explanation of the use of the CB radio, words, phrases, the 10-code, cartoons, poems, dialogue. This was the first book "on the scene" and was used (and still is) by drivers of semi-rigs, automobiles, and "home bases." It is complete with illustrations. If you still use a CB radio this is for you

If you buy insurance, drive a car, ride in a car, ride a bike or walk on roads where cars drive, this book is a must read. Exceptionally different than the books written by attorneys, this book is written by an injured person who recovered more than a quarter-million dollars. Based on a true story, the author takes you through the events immediately following an accident all the way to settling multiple insurance claims and a lawsuit. At every step along the way, there is a clear description of the pitfalls to avoid so that you too can maximize the money you receive. And for those who haven't had an accident - this book is a must read because it will give you the insight you need to choose the right auto and medical insurance companies so that you and your family members are protected when an accident occurs. Consumers have no idea what has occurred in the insurance industry over the last two decades. These changes will directly affect whether you will be compensated following an accident. After reading this book, you will be prepared to: Calculate the value of your injuries and determine if filing a claim is worth your time and effort. Take the four steps to file, negotiate and settle your claim. Represent yourself without an attorney to maximize financial gain. Hire, compensate and manage an attorney if you choose to do so. Know what to say to insurers, and when to say it. Know what not to say to insurers. Learn how to work with your medical insurer so they don't cancel coverage. Select an auto insurance company that will honor the policy they sell you. The final two chapters of the book analyze the insurance industry, documenting how insurance companies systematically delay and deny claims. Reading these chapters will create a shocking awareness that consumers are buying a product called insurance, but in fact are spending hard-earned money with companies that no longer honor the insurance contracts they sell. The final chapter lays out a clear plan for what consumers can do to protect them from buying insurance that won't protect them.