50 INSPIRING QUOTES.  We know that sticking to a goal is hard.  Whether your goal is to get in shape, to lose weight, or to discipline yourself financially and live with your means, you need inspiration.  When times are tough, and hard decisions need to be made, goals that only speak to the head will not be sufficient.  The heart has to be involved.

Thus we hope that among this collection of words of wisdom, you will find something that speaks to your emotions.  Remember, the eyes give sight, but the heart gives insight.  Take a few seconds to ponder on each of these thoughts, and gain inspiration to stay with your goals, and make the right choice.  Remember, you can overcome!

“Think like a man of action, and act like a man of thought.” – Henri L. Bergson

“I am only one, but still I am one. I cannot do everything, but still I can do something. And
because I cannot do everything I will not refuse to do the something that I can do.”– Hellen Keller

“Half of the troubles we experience in this life can be traced to saying yes too quickly and not saying no soon enough.” – Josh Billings

“Even if you’re on the right track, you’ll get run over if you just sit there” – Will Rogers

“Man often becomes what he believes himself to be. If I keep on saying to myself that I cannot do a certain thing, it is possible that I may end by really becoming incapable of doing it. On the contrary, if I have the belief that I can do it, I shall surely acquire the capacity to do it even if I may not have it at the beginning.” - Mahatma Gandhi

“You can never cross the ocean unless you have the courage to lose sight of the shore.”- Christopher Columbus

“To a brave man, good and bad luck are like his left and right hand. He uses both.” – St Catherine of Siena

“When one door of happiness closes, another opens, but often we took so long at the closed door that we do not see the one that has been opened up for us” - Helen Keller

“We don’t see the things the way they are.
We see things the way WE are.” – Talmund

“Every problem has in it the seeds of its own solution. If you don’t have any problems, you don’t get any seeds.” - Norman Vincent Peale

“If you change the way you look at things, the things you look at change.” - Dr Wayne Dyer

“The problem is not that there are problems. The problem is expecting otherwise and thinking that having problems is a problem.”
– Theodore Rubin

“Pessimist : A person who says that the letter “O” is the last letter of ZERO, instead of the first letter
in the word OPPORTUNITY.”- Anonymous

“Blessed are those who can give without remembering and take without forgetting”- Elizabeth Bibesco

“Yesterday is history, tomorrow is a mystery. And what about today? Today is a gift. That’s why we call it the present.” – B. Olatunji

“When you get to the end of the rope, tie a knot and hang on.”
– Franklin D Roosevelt

“Your attitude, not your aptitude, determines your altitude.”- Zig Ziglar

“If you’re going through hell, keep going.”- Winston Churchill

“The secret to success is to start from scratch and keep on scratching.”
– Dennis Green

KEEPING TO A GOAL IS A LOT EASIER IF YOU HAVE A PERSONAL ACCOUNTABILITY PARTER…

Here are a few suggestions to help you in making this choice.  The thinking is this:  when our performance is measured, it usually improves.  When our performance is measured and we are accountable for our results, then it usually improves again.

So you’re procrastinating. You’re rationalizing and making excuses. You’re reprioritizing your to-do lists constantly, meaning that one little task never makes it off the back burner.  Maybe you’ve even tried to make one particular job a priority. Perhaps you even started taking action, but somewhere along the way you let it drop by the wayside. It seems like weeks or months have gone by since you first got the idea and yet you never get it done.  Your heart tells you the time is NOW! If you’re serious about doing this project, then it’s time for you to get serious about holding yourself accountable. And the best way to do it is to bring in someone ELSE to hold you accountable.

You see, you can always avoid the task at hand if you’ve decided to hold yourself accountable. And while you think you’d feel guilty when you don’t complete the task, all you have to do is rationalize your guilt away. It was never that important anyway. Or, I can start working on it first thing on Monday instead.  But you can’t do that when you make a promise to someone else. You can’t rationalize and make excuses if your accountability partner stands firm and won’t let you get away with those weak excuses. And eventually, you WILL feel guilty if you’re not doing what you’re supposed to be doing. Here’s how to make the most of this productivity-boosting support system:

* Choose a partner who won’t let you get away with making excuses.  Ideally it will be someone who has overcome a similar bad habit, or has made good progress (farther than you have) towards achieving a new goal.  When it comes to finances, this is especially important.
* Share your long term financial dreams with your partner.  Let him/her see where you stand, where you want to go, and just exactly what it takes each week to get there.  He/she will feel a sacred trust in helping you to achieve this goal.
* Let your partner help you decide what you need to do each week (even every day, if you need feedback that often). That way your partner knows what you should be doing, and is walking your path alongside you.  You won’t be able to fib your way out of completing your task.
* It is better if your partner is NOT your spouse or someone who lives in your home.  We do better when we account to a third party.
* Have your partner call you at a certain time each day or week, asking about your progress.   Do not let him or her leave voice mail.
* Decide in advance about any rewards for reaching certain goals, and what approach you’ll take as a team when goals are missed.  Set these up before the event happens, so you simply follow a pre-set program, without reacting in the emotion of the moment.

If you find that you’re really having problems getting a job done, have your partner ask about your progress two, three or even four times per day that way you can report which bite size tasks you’ve crossed off your list.  This usually will work only for a few days, either when encountering a really difficult task, or when getting the ball rolling after a period of inactivity. Yes, it sounds deceptively simple. But when you know that your partner is going to ask you about your progress and make you feel guilty if you didn’t do what you’re supposed to do, you’ll get the task done. It’s simply less painful to do the task than face your partner’s wrath.

Related posts:

1. January 2011 NO MORE Mortgage Newsletter
2. February 2011 NO MORE Mortgage Newsletter
3. October 2010 NO MORE Mortgage Newsletter

Two-thirds of Web surfers fall prey to online crime….

Most of us now purchase online, the following study results are worth taking a second look. Note that half the cases never get solved.

The average amount of time spent to resolve a cybercrime and the average cost vary from country to country, according to the Norton study. About two-thirds of Internet users globally and nearly three-quarters of Web surfers in the U.S. have been victims of online crime, according to a study to be released on Wednesday.

The top countries as far as reported victims are China, Brazil and India tied for second, and then the U.S., according to the findings of the study, titled “Norton Cybercrime Report: The Human Impact.” More than 7,000 adults in 14 countries were interviewed for the study. While one-quarter of respondents said they expect to be victimized by online crime, only half said they would change their behavior if they became a victim. Of those who have been victimized, 44 percent reported the crime to the police. It takes an average of 28 days to resolve a cybercrime and costs on average $334, the report found. One-third of respondents who were victimized said they never fully resolved the matter. Computer viruses and malware are the most common types of online attacks, with 51 percent reporting being impacted by them, followed by 10 percent hit by “online scams,” 9 percent by phishing and 7 percent each for social network profile hacking, online credit card fraud and sexual predation, according to the report.  Read more on CNET.

Here is the economic statistic of the month…

The chart tells its own story. This means one home in seven is now at least 30 days delinquent on their mortgage payment, and it’s obvious where the increase is coming—from those who are late more than 90 days or in foreclosure. This is due to continuing under and unemployment, and it won’t change until people get back to work.

Health-care Answers to seven questions about new rules…

Parents who want to add their adult children to their health plans are about to get some relief as the health-reform provisions kick in on 9/23, six months from when the landmark Obamacare health insurance bill was signed. Many of the changes are meant as a bridge until 2014, when for the first time health plans will be available, with subsidies for those who can’t afford it, in a new insurance marketplace; most individuals will have to have coverage or face a financial penalty; and insurers won’t be able to reject applicants who already have health conditions. Even though this first wave of the health overhaul’s significant changes takes effect for most health plans Sept. 23, many Americans won’t be able to reap the benefits until January at the earliest because the law applies to new health plans begun or renewed on or after Sept. 23.

Here are answers to seven common questions, based on interviews with health-policy experts.

1. What is a grandfathered health plan? Some employers and insurers may make only minor changes to their health plans so they don’t have to comply with all the new regulations right away. These are so-called grandfathered plans, and every year the law makes it harder to be one. Employers and insurers are supposed to disclose in writing if their health plans have grandfathered status. If you’re unsure whether your health plan is adopting the new rules, ask if it has grandfathered status.

2. What new benefits apply to both grandfathered and new health plans? There are three major new benefits that apply to both kinds of plans. Health plans that place lifetime dollar limits on the benefits they potentially pay out on behalf of a member will no longer be able to impose such limits. Right now, those lifetime limits can be low in some industries and types of coverage. All health plans also will be banned from excluding children under age 19 because they have preexisting health conditions. And they can’t retroactively cancel your coverage if you get sick, a practice known as rescission that became a problem in the individual health-insurance market.

3. Are annual benefit limits still allowed? Yes, but the thresholds get higher each year before they completely disappear in 2014. For new group health plans, the minimum annual limit on how much a health plan has to pay out in benefits rises to $750,000, but cash-strapped small employers can apply for a waiver. While some seriously ill patients still may find the $750,000 annual limit a hardship, this policy change, if applied broadly, would meet many cancer patients’ needs.

4. What’s changing with preventive care? For new health plans, preventive-health services that have proven effective with a grade of “A” or “B” from the U.S. Preventive Services Task Force will be available to consumers without cost-sharing, making them effectively free to the patient. That includes routine immunizations and screenings such as those for breast, colon and cervical cancer. Smoking cessation is also covered, but it’s unclear how many counseling sessions would be free of cost-sharing. Plus, since the task force makes recommendations for people at average risk of diseases, those deemed high risk still may have to pay a copay for screenings their doctor prescribes. Questions remain about how patients can claim the benefit in some cases. But the change will help people who currently forgo routine screenings because of out-of-pocket costs.

5. Can I add my adult kids to my health plan? In most cases, parents will be able to add or keep their adult children on their health plans until those children turn 26, regardless of their educational, marital or dependent status, and health plans can’t charge more for them than other dependents. Most employers today only cover children to age 23 if they’re in school or 19 if they’re not in school.

6. Will I have any more recourse if I need to fight an insurer’s decision on a claim? Yes. New health plans will have to open up a second level of appeal through an external third party. Today health plans and employers have an appeal process they manage if they have someone who feels their claim was wrongfully denied. New plans will have to have an external appeal process that would potentially override the first-level internal decision.

7. Will my health-plan costs rise because of the new benefit requirements? Probably, but the additional cost will take different forms. A recent survey of large employers from the National Business Group on Health suggested the new rules related to health reform will add about 2% to the cost growth projected for their 2011 health plans. Many employers are scouring their plan designs for ways around cost problems. Because almost all of the reforms that hit early are in the form of benefit mandates, establishing minimum standards for benefits, this will raise cost for employers who do this without cutting somewhere else. Most employers are looking to keep their costs even or mitigate their cost increases by implementing other changes at the same time. It appears that was already happening before health reform became the law of the land. Thirty-eight percent of large companies said they reduced coverage or raised co-pays in their 2010 health-benefit offerings, up from 22% who did so in 2009, according to a survey released earlier this month from the Kaiser Family Foundation. What’s more, 36% said they increased the workers’ share of the premiums this year, up from 22% who passed on a bigger share of the premium last year.  Read More at MarketWatch.

Featured Article:  Overcoming the Urge to Splurge with NO MORE Mortgage

Since 1996, NO MORE Mortgage has been helping thousands of clients across the country reach the path to financial security. Our comprehensive approach to professionally managed debt elimination, combined with ongoing financial education, provides results to NO MORE Mortgage clients who enjoy interest savings of $20,000 to $200,000 or more. Find out how you can eliminate all of your debt, including your mortgage, in as little as nine years, without harming your credit!

For more information and to get a FREE audio CD call NO MORE Mortgage today. 1.800.285.9102

Will the NO MORE Mortgage Financial Plan work for me?

To find out if you qualify today! Find out what thousands of satisfied NO MORE Mortgage clients already know about taking control of their finances, and using the power of reverse compounding interest to beat the banks at their own game! NO MORE Mortgage Representatives are standing by to answer all of your questions about our program, including how soon you will be debt free, and how much money you will save in interest!

Related posts:

1. NO MORE Mortgage and the Federal Government
2. Why Americans Can’t Afford to Retire
3. NO MORE Mortgage: Budgeting Tips for New Budgeters

The title may seem a bit crazy, but the crazy thing is it’s actually true.  This Youtube video does a great job of outlining the key points, Indymac Boys Get Sweetheart Deal , which are:

• Indymac Bank failed
• No one wanted to buy the mortgages held by the bank
• The government (FDIC) stepped in and sold them to OneWest Bank at a 30% discount
• The FDIC promised to cover 80% of the losses if any of the mortgages foreclosed
• The 80% is calculated based on the full face value, not the discounted price they were bought for
• You do the math–OneWest was then able to sell the entire portfolio for pennies, it didn’t matter!  They were guaranteed to make a profit no matter what!

NO MORE Mortgage brings home the rest of the story

Not a bad deal right?  It’s sort of like having the government stepping in and telling you to buy stock in Ford Motor Company at $100 per share, and telling you that they would guarantee you could sell the stock at any time for at least $110 per share.

So who’s going to pay the difference?  All of us taxpayers!  And the bank executives getting rich off the deal?  A bunch of guys linked to Goldman Sachs and Treasury Secretary Henry Paulson.  And if that’s not enough to get you upset, not only does OneWest get the free profit from the government, but if the home goes through a short sale, in most cases, they will force the homeowner to sign a promissory note to cover some of the artificial loss.  So the bank first dips in the government pockets, then they still hold the homeowners feet to the fire for more money!

If you haven’t seen the video yet, it’s worth watching, check it out here.  Indymac Boys Get Sweetheart Deal

NO MORE Mortgage isn’t interested in sweetheart deals for the rich, our goal is to help everyday Americans to achieve their dreams of debt freedom, financial peace of mind, and retirement.

Since 1996 NO MORE Mortgage has been helping thousands of Americans reach their financial dreams.  Find out how NO MORE Mortgage can help you reach a path to financial security by ordering your your Free CD today.

You can also contact a NO MORE Mortgage representative at 800-201-8911 to request a complimentary Financial Analysis.

Remember, there is no time like the present and with NO MORE Mortgage a brighter tomorrow can be yours today!

Related posts:

1. Banks in distress highest in 15 years
2. NO MORE Mortgage and the Federal Government
3. NO MORE Mortgage and the Federal Government

There has been an “infestation” of these types of companies taking advantage of vulnerable homeowners at a time when they are stressed out and/or behind on their mortgage payments. Most of these companies are telemarketing sales organizations, claiming to be law firms. Under closer inspection, it generally turns out that they are not associated with any respectable law firm. Instead they are generally associated with a sole practitioner with few credentials. More often than not, the end result for the client is that they have paid a substantial fee, no effective work is accomplished, and they end up just that much further behind on their mortgage. It is a national disgrace.

If you are stressed out with your mortgage payment, here is our official “NO MORE Mortgage” advice:

1) Talk to your lender about your options. Not only will you avoid substantial fees, you are likely to get results and find a workable solution to avoid foreclosure.

2) Get professional advice from a HUD approved Housing Counselor. It is free! We recommend Alliance Credit Counseling at (866) 903-2567.

3) If you want to pay someone to handle it all for you, there are companies that can effectively handle all this for you for a fee – but make sure you are choosing a good company. Check them out first at www.bbb.org and insist on speaking to a couple satisfied clients first.

Note: Consumers could easily have avoided becoming a victim of one of the main targets of regulators in the state of Maine — Federal Loan Modification Law Center. A quick BBB search shows them with a rating of “F” and over 400 complaints.

Larry Ruff,

President

NO MORE Mortgage

www.NoMoreMortgage.com

linked from:
http://www.mpbn.net/News/MaineNews/tabid/181/ctl/ViewItem/mid/1858/ItemId/11239/Default.aspx

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