Rabu, 16 Mei 2012
Jumat, 04 Mei 2012
16.15
Unknown
Challenging the right to collect. Note that this includes the "validation" process. If the debt is not valid, the validation process itself may be enough to get rid of it, or at least give you the legal leverage you need to do so because the debt collector doesn't have the right to collect on a debt that they cannot validate under the FDCPA. Other methods suggest simply asking what law gives the collector the right to force you to do business with them. These are your legal rights and we know just what to do for you. Learn How To Repair Your Credit Issues!! 
09.02
Unknown
FHA Streamline : No Verification Of Job, Income, Credit In April 2011, while the rest of the world was making it harder to get approved for a mortgage, the FHA was making it easier. In a sweeping guideline update, the FHA abolished verification for practically everything on an FHA Streamline Refinance mortgage application. Now, as written in the FHA's official mortgage guidelines, the mortgage approval process for an FHA Streamline Refinance says : Employment verification is not required with an FHA Streamline Refinance Income verification is not required with an FHA Streamline Refinance Credit score verification is not required with an FHA Streamline Refinance And, as mentioned earlier, there's no need for a home appraisal, either. 
Repair your credit issues
Repair your credit issuesSelasa, 01 Mei 2012
16.04
Unknown
interested in trading back links with my site. here is my code Free credit repairright a comment with your code and ill post it on my home page. thank youSabtu, 28 April 2012
18.51
Unknown
New FICO Score eases bad credit repair as FICO Corp. 'relaxes' scoring model Bad credit folks who sign up for Credit Counseling or Debt Consolidation plan hear this a lot: "your Beacon score is too low...", "you must improve your FICO score...". Little do they know that their FICO score may've improved already without them noticing. Every 5 points up counts! According to Fair Isaac Corporation (NYSE:FIC), the new FICO is a more predictive and consumer friendly score now... And forget about the Beacon score - the name is NextGen now! What? You didn't know? According to research done by Screwedup-credit-repair.com, it's true, most people don't know that three major credit agencies TransUnion, Experian and Equifax are now using the new and more friendly NextGen scores. How people with bad credit history can benefit from these new and improved scores? They can get better rates. And more people will get loans, and for larger amounts... It would also help their credit repair! FICO NextGen scores go easier on Sub-prime loan seekers! On their web site, FICO Corp. states: [new scores] "... allow for more scoreable files (credit reports), updated treatment of mortgage and auto inquiries to better reflect consumer rate-shopping (low interest rates), and more consumer-friendly treatment of finance trades(!) and low-balance collections(!) and public records(!)." Why these improvements? Bad screwedup-credit-repair thinks that FICO Corp. is trying to meet sub-lenders requirements for more applications processed and better interest rates offered. With such low rates, sub-lenders are making all the money by giving 'great' deals to people with bad credit history. The new scores let more people in the range of allowed FICO scores, thus creating more business for lenders. And keeping the housing industry strong. This thought may be very close to the real thing... as FICO Corp. states on their web site: "Lenders want to price appropriately, and lend safely, while making more credit available to more people and effectively managing their operations costs." In layman terms, the NextGen scores loosen up scoring criteria so more people can get better credit rating and borrow more money. But make no mistake, FICO Corp. claims these new scores are even more predictable - which works for lender advantage. Plus, the latest score version NexGen 2.0 allows people with short or dormant credit history to get loans! So, does this all mean that we can now have more unpaid medical bills, have more inquiries on car and mortgage loans, get a car loan at the age of 18, get better interest rates after a recent bankruptcy ...? I guess we are to find out ... when we'll see more bankruptcies in the years to come. Or will we? screwedup-credit-repair.com suggests we remain calm and keep our credit score as high as possible. On a serious note, they said, this relaxing in credit scoring presents great opportunity to dispute more items on your credit report than was possible before and improve your credit score more substantially! Own a website submit a link
13.26
Unknown
10 Golden Rules to Dealing with Collection Agencies. Collection agencies are the Devil . The Devil Lies. Never, ever, ever give a credit card, debit card or checking account number to a collection agency. Make all payments via certified mail with a money order or with certified funds. Never pay off or make payments on a debt UNLESS you have a written agreement that spells out EXACTLY what they will do in exchange for payment. Make sure this is written on their company letter head and signed by a supervisor. Asking to speak with the supervisor rarely works, he or she received their position by being the best liar. Never ever tell the collection agent that you are trying to clean up your credit for a specific reason, i.e. buy a car or qualify for a house. They will not budge or negotiate. Collection agencies hold all of the cards, losing your temper will not help you. However, they are all on commission, this is your primary weapon. Never accept the collection agent's first offer, or believe that their boss wont let them take less than than a certain amount. See rule number 2. Never give collection agencies permission to call you at work, do not call them from work, do not give them any information about your work. Collection agents are like vampires, they cannot enter your place of work unless they are invited. If the agent gets you mad, they win. This is business and egos and tempers are the biggest killers of business deals. Interested in adding your link to my site. click hereRabu, 25 April 2012
14.42
Unknown
Great mothers day gift
We all need you help with this 
Please make a donation to the National Diabetes Association. Thank you
Donate a dollar you can make a donation from my site and get a free prescription drug discount card: get up to 68% off generic drugs, This disease needs everyone's help. Millions of Americans are afflicted by this disease and odds are you know a family member with it. Lets do our best to find a cure...soon, and yes i am a diabetic.
Reuters) - Researchers are coming closer to developing an "artificial pancreas," a long-sought system of insulin pumps and glucose sensors that deliver insulin to diabetics, mimicking the function of a real pancreas. The devices have been in development for more than three decades, but lawmakers and diabetes advocates are ramping up the pressure and U.S. regulators this week outlined a regulatory path for a preliminary version of the device. And while a seamless device that tracks a diabetic's blood sugar and automatically administers the right dose of insulin is still years away from commercial use, results of several studies being presented this week at the American Diabetes Association meeting in San Diego show real promise. In one, researchers from Boston University and Massachusetts General Hospital tested a system using Abbott Laboratories' FreeStyle Navigator continuous glucose monitor and two insulin pumps made by Insulet Corp, all controlled by a laptop. The system, which is designed to better mimic the body's natural mechanism of controlling both high and low blood sugar, was portable enough to allow adults with type 1 diabetes to roam around a hospital and use an exercise bike. At the end of the 51-hour study, which involved daily exercise, two nights and six meals - all of which affect a diabetic's blood sugar levels - six patients had an average blood glucose in the normal range - in the high 140s, which is about the equivalent of an A1c reading of about 7. "It is very good. This is what we would call near normal blood glucose," said Dr. Steven Russell of Massachusetts General Hospital in Boston who is developing the system with Edward Damiano, a biomedical engineer at Boston University. In another study, a team at Mayo Clinic hooked patients up with devices called accelerometers that tracked movements and found that even moderate exercise plays a role in glucose. The team, led by Yogish Kudva, will incorporate this data into a sophisticated software program that acts as the "brain" of an artificial pancreas system, analyzing blood sugar and calculating when diabetics need a dose of insulin. The team plans to start a clinical trial with the system this year or early next year, Kudva says. CLOSING THE LOOP So-called closed-loop systems - in which a computer calculates a person's insulin dose and delivers insulin automatically through an insulin pump - are a far cry from the earliest version of an artificial pancreas developed in the late 1970s, says Dr. Aaron Kowalski of the Juvenile Diabetes Research Foundation or JDRF. "The problem is it was the size of a refrigerator," said Kowalski, who oversees the group's Artificial Pancreas Project, a multimillion-dollar initiative aimed at accelerating progress toward a closed-loop automated insulin-delivery system . With that device, patients were hooked up to an IV and could not leave their hospital bed. Researchers have since been working to develop a so-called artificial pancreas to deliver insulin to patients with type 1 diabetes, an autoimmune disease in which the body destroys its own ability to make insulin, rendering sufferers unable to properly break down sugar. People with the condition must frequently monitor and take insulin to regulate blood sugar and prevent diabetic complications such as eye damage, kidney failure and heart disease. An estimated 3 million Americans have type 1 diabetes, usually diagnosed in childhood or in young adults. The JDRF is working with Johnson & Johnson's Animas unit, which makes insulin pumps, and DexCom Inc , which makes continuous glucose monitoring devices. Kowalski said nearly five years into the project, researchers are showing promising results, but he is frustrated with the pace of progress. "People need better tools. Despite insulin pumps and continuous glucose monitors, there are still big challenges in diabetes management," Kowalski said. The group on Wednesday urged a Senate hearing to call on the FDA to stop delaying the study and approval of an artificial pancreas. They cited a study published in the British Medical Journal that found that if an artificial pancreas were available, Medicare would save nearly $2 billion over 25 years in costs related to diabetes complications. The group is pushing to move beyond studies in academic settings and begin studies of the devices outside of the hospital setting. "It's great that we can do this in academic centers, and we're learning a ton, but we need to get these projects to reach people with diabetes," he said. "We need to see these products commercialized. That is the big challenge, and that is why we are working with the FDA." FDA WANTS APPROVAL, TOO. that's were we need your donations to get this rolling. Charles "Chip" Zimliki, chairman of the U.S. Food and Drug Administration's Artificial Pancreas Critical Path Initiative, which was created in 2006 to accelerate the availability of an artificial pancreas system, says he is eager to have a system approved. "The FDA wants the artificial pancreas on the market as much as anyone else does. We just have to operate within U.S. laws to make sure it is safe and effective," Zimliki said. Last week, the agency released guidance for how to develop a low glucose suspend system, an automatic shut-off mechanism used with an insulin pump. Medtronic already sells pumps with this the feature in Europe. It safeguards against a dangerous drop in glucose levels by temporarily halting insulin delivery. By year-end, FDA plans to release detailed guidance on more complicated closed-loop systems, Zimliki said. "We think of this system, the artificial pancreas, as one unit. There is going to have to be agreement among various companies to determine who is the reporting party for submitting it," he said. "That is a relatively new idea with respect to these systems." Zimliki, who is a type 1 diabetic, thinks the first approved devices will be ones that deliver insulin only, but he is very encouraged by the system being developed by the team at Boston University and Massachusetts General. "They have what I call the Cadillac of closed-loop systems," he said. In addition to delivering insulin, the device also delivers an infusion of glucagon, a hormone released by the pancreas to raise blood sugar levels. "They are showing some very promising results," he said. you can make a donation from my site
We all need you help with this Please make a donation to the National Diabetes Association. Thank youDonate a dollar you can make a donation from my site and get a free prescription drug discount card: get up to 68% off generic drugs, This disease needs everyone's help. Millions of Americans are afflicted by this disease and odds are you know a family member with it. Lets do our best to find a cure...soon, and yes i am a diabetic.
Reuters) - Researchers are coming closer to developing an "artificial pancreas," a long-sought system of insulin pumps and glucose sensors that deliver insulin to diabetics, mimicking the function of a real pancreas. The devices have been in development for more than three decades, but lawmakers and diabetes advocates are ramping up the pressure and U.S. regulators this week outlined a regulatory path for a preliminary version of the device. And while a seamless device that tracks a diabetic's blood sugar and automatically administers the right dose of insulin is still years away from commercial use, results of several studies being presented this week at the American Diabetes Association meeting in San Diego show real promise. In one, researchers from Boston University and Massachusetts General Hospital tested a system using Abbott Laboratories' FreeStyle Navigator continuous glucose monitor and two insulin pumps made by Insulet Corp, all controlled by a laptop. The system, which is designed to better mimic the body's natural mechanism of controlling both high and low blood sugar, was portable enough to allow adults with type 1 diabetes to roam around a hospital and use an exercise bike. At the end of the 51-hour study, which involved daily exercise, two nights and six meals - all of which affect a diabetic's blood sugar levels - six patients had an average blood glucose in the normal range - in the high 140s, which is about the equivalent of an A1c reading of about 7. "It is very good. This is what we would call near normal blood glucose," said Dr. Steven Russell of Massachusetts General Hospital in Boston who is developing the system with Edward Damiano, a biomedical engineer at Boston University. In another study, a team at Mayo Clinic hooked patients up with devices called accelerometers that tracked movements and found that even moderate exercise plays a role in glucose. The team, led by Yogish Kudva, will incorporate this data into a sophisticated software program that acts as the "brain" of an artificial pancreas system, analyzing blood sugar and calculating when diabetics need a dose of insulin. The team plans to start a clinical trial with the system this year or early next year, Kudva says. CLOSING THE LOOP So-called closed-loop systems - in which a computer calculates a person's insulin dose and delivers insulin automatically through an insulin pump - are a far cry from the earliest version of an artificial pancreas developed in the late 1970s, says Dr. Aaron Kowalski of the Juvenile Diabetes Research Foundation or JDRF. "The problem is it was the size of a refrigerator," said Kowalski, who oversees the group's Artificial Pancreas Project, a multimillion-dollar initiative aimed at accelerating progress toward a closed-loop automated insulin-delivery system . With that device, patients were hooked up to an IV and could not leave their hospital bed. Researchers have since been working to develop a so-called artificial pancreas to deliver insulin to patients with type 1 diabetes, an autoimmune disease in which the body destroys its own ability to make insulin, rendering sufferers unable to properly break down sugar. People with the condition must frequently monitor and take insulin to regulate blood sugar and prevent diabetic complications such as eye damage, kidney failure and heart disease. An estimated 3 million Americans have type 1 diabetes, usually diagnosed in childhood or in young adults. The JDRF is working with Johnson & Johnson's Animas unit, which makes insulin pumps, and DexCom Inc , which makes continuous glucose monitoring devices. Kowalski said nearly five years into the project, researchers are showing promising results, but he is frustrated with the pace of progress. "People need better tools. Despite insulin pumps and continuous glucose monitors, there are still big challenges in diabetes management," Kowalski said. The group on Wednesday urged a Senate hearing to call on the FDA to stop delaying the study and approval of an artificial pancreas. They cited a study published in the British Medical Journal that found that if an artificial pancreas were available, Medicare would save nearly $2 billion over 25 years in costs related to diabetes complications. The group is pushing to move beyond studies in academic settings and begin studies of the devices outside of the hospital setting. "It's great that we can do this in academic centers, and we're learning a ton, but we need to get these projects to reach people with diabetes," he said. "We need to see these products commercialized. That is the big challenge, and that is why we are working with the FDA." FDA WANTS APPROVAL, TOO. that's were we need your donations to get this rolling. Charles "Chip" Zimliki, chairman of the U.S. Food and Drug Administration's Artificial Pancreas Critical Path Initiative, which was created in 2006 to accelerate the availability of an artificial pancreas system, says he is eager to have a system approved. "The FDA wants the artificial pancreas on the market as much as anyone else does. We just have to operate within U.S. laws to make sure it is safe and effective," Zimliki said. Last week, the agency released guidance for how to develop a low glucose suspend system, an automatic shut-off mechanism used with an insulin pump. Medtronic already sells pumps with this the feature in Europe. It safeguards against a dangerous drop in glucose levels by temporarily halting insulin delivery. By year-end, FDA plans to release detailed guidance on more complicated closed-loop systems, Zimliki said. "We think of this system, the artificial pancreas, as one unit. There is going to have to be agreement among various companies to determine who is the reporting party for submitting it," he said. "That is a relatively new idea with respect to these systems." Zimliki, who is a type 1 diabetic, thinks the first approved devices will be ones that deliver insulin only, but he is very encouraged by the system being developed by the team at Boston University and Massachusetts General. "They have what I call the Cadillac of closed-loop systems," he said. In addition to delivering insulin, the device also delivers an infusion of glucagon, a hormone released by the pancreas to raise blood sugar levels. "They are showing some very promising results," he said. you can make a donation from my site
