Traditionally, the foreclosure process has taken approximately 90 days to complete, and it is completed by the bank auctioning off the home, usually at the county courthouse or curing the default.  If nobody buys the home, the lender will buy the home back and then place it with a real estate agent to be sold.  Sometimes homeowners think that if nobody bought the property, then it didn’t get sold and it is still theirs.  This is not the case in at least 95% of the auctions.  Once the lender buys it, the home is his and the homeowner will have to vacate the property, normally within 30 days.

Today, homeowners have opportunities available to them to stop the bank’s attempts to foreclose on him or her before the home is auctioned off.  Tila Solutions is able to help homeowners who contact them before the home is auctioned off.

It is important to know that the homeowner does not have to leave his home at the beginning of the foreclosure process.  And the homeowner still has time to stop foreclosure and save his home. But, also understand that the lender will not accept any payments from him except for the full default amount.  The default amount is the total amount of missed payments, plus all fees.

Traditionally, paying the full default amount, which always includes fees and penalties and other “additional costs” – often marked up to create more profit for the lender, is known as curing the default.  If the homeowner cures the default any time before the auction date on the property then he is not going to lose his home.  It is estimated still that at least 50% of the homeowners manage to cure their defaults. This is one reason why lenders would prefer to use the foreclosure process to make money instead of give a homeowner a loan mod.  However, statistics are also showing that these homeowners who cured the default normally end up back in foreclosure in very short order.

Tila Solutions receives countless calls and emails from people every day desperately trying to save their homes.  There have even been reports of people committing suicide because they could not stop foreclosure.  They call Tila because they need help.  Real Help – not false hope.

Lender Lies & Deceit

In any given month Tila Solutions receives countless calls from people that they can no longer help.  These are the people who were told by their lenders that they did not need to worry about the foreclosure, because they were “under review” for a loan mod, and the homeowners actually believed the bank.  Then somehow the auction date or denial letter didn’t arrive at the property address or in the mail, and the homeowner learned that either a) his home was going to be sold in the next couple of days or day, or b) his home was already sold at auction.

Tila Solutions is an audit company.  They conduct forensic loan audits and help people locate the federal laws that were violated by the banks when the loan was issued. They use the results of these audits to help people save their homes and get the loan mods the banks refused to give previously.  But they can only help IF the home has not been auctioned off!

These days, the lenders have the goal of cleaning up their books, turning a profit, and making more money (actually the same goals the banks have always had – cut the losses and turn a profit). Banks determine where they will see the best return on the money they loaned, and sadly, you are not it.  Now that means auction off your home, and make money elsewhere, and that is what has been happening to the masses.

It is always the same story:  You, the homeowner, were lied to when you were given the loan: it wasn’t a good loan worked out in your best interest, it was a predatory loan that is now consuming you, but has made money hand-over-fist for the lender.  Now you are being told there just seems to be no way possible to qualify for a loan modification and lower their monthly payment, or worse yet, that you are under review and not to worry about the auction date.

Until Tila Solutions conducts the Forensic Loan Review and finds the crimes that the banker is guilty of, you will continue to be lied to, and either cure the default, only to end up in foreclosure at a later date, or just lose your home.

It’s a story we are all quite familiar with now:  somehow, that poor family, sitting in foreclosure does not make enough money to pay a smaller monthly payment, so the bank refuses to do the loan modification.  Of course they will also continue demanding the higher monthly payment or you lose your home to foreclosure.

Stopping the Bank Scam

Homeowners just don’t realize that the bank will tell them lies.  It will tell them that they are getting a loan mod and then it will auction off their home.  If any other company operated this way they would be shut down rapidly and prosecuted!  But the banks have billions of dollars and they are getting away with it.  If homeowners do not have somebody on their side, and keep listening to the bank lies, they will be another statistic of the bank scams.

When Tila Solutions comes on the scene, foreclosure is stopped, banker crimes are found and exposed, and lower monthly payments (and often principal balance reductions too!) are gotten.

Tila Solutions uses the power you have always had to protect you:  TILA, HOEPA, RESPA, ECOA.  These are the laws that protect borrowers and prevent them from having their lives destroyed through the predatory acts of unscrupulous lenders and bankers who would use them for their own profit.

Borrowers have so much power and strength when they know their rights and use these laws.  Tila Solutions helps them do this.

Banks are not above the law, but will try to operate as if they are.  You don’t have to take that anymore!  A Tila Solutions Consultant is available for people by telephone at 1- 307—459—0232.  Or you can visit the Tila Solutions website at www.tilasolutions.com.  They will help you and your family.  They are on your side.

Tags: loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, predatory loan, notice of default

Shea Butter – Ghariti

In the western savannah grassland region of Africa, there is a tree called the Shea Nut Tree. These trees grow slowly, taking almost 30 years to mature. The fruit of this exotic holds beauty secrets that have been known by Africans for thousands of years. It is called ghariti in Senegal and shetelou in Mali – names that flow off the tongue. Also called shea butter, this exotic produce is no longer an African secret. Everyone can now share in its promises for healthy skin.

Karite

The common usage name for the Shea Nut plant is the Karite tree. The tree produces a nut from which shea butter is extracted. The nut encloses a yellowish pulp. To get this pulp requires a long process of drying and extracting and kneading. Some companies extract the butter using chemical solvents, while others use a mechanical extraction process not requiring additives. This organic pulp, or butter, has unique and beneficial properties recognized around the world.

• Contains vitamins (especially Vitamin A and E) that rejuvenate skin
• Enhances sun screen with its ability to protect against ultraviolet rays
• Can reduce skin allergy symptoms
• Speeds healing of small wounds and skin cracks
• Slows skin aging with its moisturizing qualities
• Restores brittle hair
• Reduces appearances of stretch marks
• Soothes sore muscles
• Stimulates collagen production
• Rehydrates dry scalp

Shea butter is an amazing organic substance. It is so mild that allergic reactions are extremely rare. Therefore it can be used on sensitive skin and it can be used daily. The protection from the sun arises from its cinnamic acid content. It has even been used to decrease nasal congestion.

Nia

Nia is an African word for having a goal or purpose. When you have dry skin or skin problems, your nia or purpose is to use a product that will soothe and heal. She butter has been commonly used for literally thousands of years in Africa where the sun and climate can be brutal. The butter contains bioactive substances including antioxidants and lupeol. Lupeol interferes with enzymes that cause your skin to age. In addition, shea butter stimulates protein manufacturing. The cosmetic and pharmaceutical companies continue to find new uses for shea butter, including as an ointment for skin disorders such as eczema. The benefits of shea butter seem to be unlimited.

If your goal is to slow aging and restore your skin to a more youthful appearance, shea butter can help. It has therapeutic value far exceeding many other cosmetic additives. Africa recognizes the value of shea butter not only for its healthful benefits, but also as an economic force. The trees are protected. The harvesting often offers an opportunity for women to gain self-sufficiency.

Essential oils and other herbal plants work well in a base of shea butter. It is easily smoothed on the skin. It is unsaponifiable and so does not steal natural skin oils. When looking for a cream or cosmetic that provides maximum skin nutrition without irritation, shea butter is the perfect answer.

Everyone needs a change sometimes. Whether you’re just tired of your normal look or you’re feeling like you need to freshen up your life, makeovers are a great way to change how you feel about yourself and your appearance. And you don’t need to head to a makeup counter or department store to do it either. You’ve probably even got the tools in your home right now.

Changing the way you look at makeup

In some cases, makeovers aren’t even necessary – but makeunders are. Instead of adding to your current makeup style, you can try subtracting from it to see what kinds of results you get. Here are some ideas:

By removing some of the harsher and heavier styles of makeup you use, you can soften your overall appearance – and start having more time in the morning.

Great ideas for anyone that wants a change

There are several new looks that are around the fashion magazines that you might want to try on yourself.

The natural look – Try using browns and peaches to highlight your face and eyes. These look great on everyone. Try shading your eyes at the crease with a darker shadow and then highlight the brow bone with a lighter tone – this makes your eyes pop out. Use neutral colored mascara and some shimmering facial lotion; add a clear or neutral lip gloss and you’ll look polished without looking over done.

The glamour look – If you’re the kind of person who already prescribes to the natural look and you want to do something wild; try going glam for a night. Start by lining your eyes with a dark liner. Try the top lid first and then half of the bottom lid. Smudge the lines slightly and then add a steel gray or silver eye shadow to your lid. Add a lighter toned shadow to the brow bone as an accent. Apply two to three layers of black mascara. For your lips, try a deep raisin color, nothing too exciting because of your dramatic eyes. If you feel you need blush, add just a little to the apples of your cheeks.

The keys to making over your look

Remember that as the seasons change, your makeup and style should change too. Warmer months call for lighter makeup and clothes while the cooler months call for heavier clothes and deeper makeup colors. Each season, you may want to try one new trend to see if it works for you. But if it doesn’t, sticking with neutrals is always trendy – just add a bright lip color to stand out.

Beautypopular.com – Beauty Directory and information on the web.

Phoenix Cosmetic Dentist – Dr. Arthur Chal practices cosmetic and implant dentistry in the Camelback corridor between Phoenix and Scottsdale.

Sometimes it seems as if you went from young smooth skin to skin that sags and droops. Just where did all that extra skin come from? A high-energy person who takes care of herself, your face no longer matches your persona. Finding that to be completely unacceptable, you decide it’s time to rid yourself of the sagging.

Does this scenario sound familiar? If it does, there are many options available today to address sagging skin needing lifting. Aging gracefully is a goal anyone can achieve.

Don’t Be Inhibited

Wrinkles and skin sagging are normal by-products of aging. Gravity, pollution, cell aging, stress and lifestyle determine the speed of skin aging. Collagen, elastin fibers and facial muscles contribute to the shape of our face and the strength of our skin. As muscles and elastin fibers weaken and collagen becomes less plump, the result is a face and neck in need of a lift. The alternatives for addressing the problem range from simple night creams to surgery.

Don’t be inhibited from action by the wide range of options. Your age and the extent of the sagging should be your determining factors for choosing a face-lifting program. But if you still don’t know which is best for you, seek professional advice from an online skin consultant, a dermatologist or a surgeon.

To Peel or Not to Peel, That Is The Question…

Botox and collagen injections are very popular procedures today. But not everyone is comfortable with the idea of injecting botulism toxins into their body for whatever reason. The next best alternative is skin resurfacing. Resurfacing removes excess surface skin and allows new skin to grow. It also stimulates collagen and elastin growth. New skin will always be moister and more flexible, thus lifting occurs. There are several kinds of skin resurfacing plans.

There are chemical peels that can be done at home, but the more dramatic effects can be achieved with a chemical peel performed by a dermatologist.

If you want to go all the way and choose the most radical alternative, then face-lifting surgery by a surgeon specializing in cosmetic surgery is the best choice. Surgery is the most invasive form of lifting. The skin around the face and neck is cut, pulled tighter and excess skin is removed. This is the most expensive alternative and the most radical.

Completely Comfortable

There are a myriad of ways to approach face and neck lifting. The important point is to do what is comfortable for you. Some people get surgical face-lifts and regret the decision. Others are trying to do lifting at home and are not happy with the results and should seek professional alternatives. Finally, understand the potential side effects of each alternative before you choose your option.

Looking for the perfect make up?

When you’re trying to find a way to enhance your appearance, most women will look for make up to help them out. Not only can make up correct any flaws that you feel you have, but it can also draw attention to the parts of your face that you do want to flaunt. But when it comes to finding the perfect make up for you, there’s a little you should know.

Do you know your skin type?

Your skin type is the first place that you should start when you’re looking for make up. Different skins will react differently to various kinds of ingredients that are included in make up, causing it to look different on the skin. There are four basic skin types:

You can also have sensitive skin in conjunction with any of these types, meaning that you have a propensity to react to chemicals and other ingredients.

To determine your skin type, simply wash your face in the morning, but do not add anything else and wait for about a half an hour. At the end of that time, if your skin appears normal, you have normal skin. If your skin is tight and dry, you have dry skin. If your skin is oily, you have oily skin. And if your skin is a combination of oily and dry, you have combination skin.

What’s the best make up for your skin type?

For normal skin, you really don’t have to worry about the kind of make up that you’re using – just see how your skin reacts and then adjust as needed. But for oily and generally acne-prone skin, you should use lighter make up that’s water based. This will allow the oil from your skin to not interact with the make up and ruin your look. For dry skin, you’ll want something that has moisturizing benefits, like oils. This will allow the makeup to stay on your skin without cracking or peeling.

For combination skin, you will want to adjust for the various areas that are oily and dry.

What’s your skin tone?

Thankfully, make up companies have realized that matching your skin tone to a bottle of foundation isn’t an easy task. Many companies have created more lifelike samples and tools to match your skin tone perfectly. You will want to hold these tools (they’re plastic representations of the foundation shades) against your jaw line, but in natural light if possible. This will give you the most natural looking outcome.

The perfect makeup bag

When you’re going out shopping, there are a few key pieces of make up you should have:

You’ll want to keep the basic palette neutral in color, but you can add brighter colors for more formal occasions. For example, browns and light pinks are good colors for most people.

Hair care can be a topic of mass confusion with all of the conflicting information there is out there. Everyone wants luxurious, healthy looking hair but not all of us know how to get it. Which hair cleansing products should you use on your hair type? What about blow-drying your hair? Which is better a traditional curling iron or ceramic? These are just some of the questions that will be taking a look at. With so many different types of hair products on the market today it really is difficult to make a sound choice.

If your hair tangles easily, has split ends and breaks easily you are probably experiencing issues with dry hair. The first step of action to take is to see your cosmetologist and have those split ends removed with a good haircut. Once you have removed the split ends it is time to find a good moisturizing shampoo and conditioner. The goal is to hydrate and replace the oils missing in your hair in order to restore it to its natural, healthy state.

Oily hair tends to look and feel dirty and is also prone to dandruff. Many believe that the cause of dandruff is a dry scalp, but the fact is it’s the opposite. The truth is when your scalp is producing too much oil it supports the continued growth of yeast, which is thought to be a cause of dandruff. To get that oily hair under control before you have a dandruff problem, use an oily hair formula shampoo. If you do not find an oily hair formula you like, try adding a drop of dish liquid to your regular shampoo. Skip the conditioner, as it only adds to the problem of oily hair. If you are all ready suffering from dandruff, there are a variety of shampoos out there to choose from. If none of them give the desired result, you might need to visit a dermatologist.

Once you have the cleansing of your hair under control you need to know how to treat it. Blow-drying is very hard on your hair. It is recommended that after washing your hair you wrap it in a towel to absorb the excess water. Let your hair air dry as much as possible and then blow-dry it, being careful not to leave the blow dryer in one spot for more than a few seconds.

Curling and straight irons are the most popular forms of hair styling tools. It is important to know which type to use so that you are not doing damage to your hair. Traditionally, curling irons were made from metal. This type of curling iron tends to cause hair breakage. Ceramic irons are a much better option. They were designed to cut down on breakage and to keep hair looking smooth and healthy. Whether you decide to use a metal or ceramic iron, it is important to apply a gloss product to your hair for added protection and shine.

Thermolift in the Wink of an Eye

Many people live by the philosophy that surgery should be avoided whenever possible. But just because they choose to forgo cosmetic surgery doesn’t mean they don’t want to look as good all the time. To some, surgery is just too invasive and too much of a risk for even beauty reasons. It is for people who believe this way that the non-surgical procedures were created. Thermolift is one of the newest procedures developed. It is used for eye lifting and is growing rapidly in popularity.

So Uplifting

As people age, wrinkles begin to make an appearance. The eye area is no exception. In fact, the eyelids and the area around the eyes are the first to show age lines, often called crow’s feet. There are reasons for this.

• The skin under the eye is some of the thinnest skin on your body. It is primarily epidermis and does not have the cushioning the rest of your skin enjoys.
• There are fewer oil glands in the eye area, so the skin is dryer and more prone to wrinkling.
• There is only a small amount of elastin in the eye area so the skin is more prone to sagging.

Eye aging involves several processes all happening at once and for an extended time. Gravity causes eyelid sagging. The muscles around the eye weaken. Muscles weakening are a major cause of deep wrinkles anywhere on our body. So in the eye area, where there is little skin to hide sagging muscles, aging will appear to happen more rapidly. In addition, puffy bags can appear around the eye area due to fat accumulations. Thermolift is a nonsurgical eye lifting procedure for use before wrinkles get too deep or sagging too far advanced.

Uplifting – A Hot Topic

Thermolift uses radio frequency waves to tighten and lift skin around the eyes. As the skin becomes tighter, it naturally lifts. The waves heat the surface of the skin and that causes the tightening. It sounds so simple! That’s because it is! Thermolift has many advantages over surgery.

• Since it is noninvasive, it is safe
• There is no surgery
• It only requires a topical anesthesia
• The procedure only takes approximately an hour and you can resume your life immediately

The key to thermolift success is having the procedure completed before you are dealing with deeply wrinkled eyelids. Advanced wrinkling or sagging will probably require surgery. Thermolift is not intended to replace surgery on the eyelids. Sometimes genetics causes severe eyelid sagging and only cutting away the excess skin and restitching the lid will solve the problem.

Thermolift is the perfect procedure for busy people. Men or women can use it. Of course, you should always use protective eye creams on the sensitive skin around your eyes on a daily basis. The sun is a major cause of eye area damage. Ultra violet rays are particularly damaging to the eye area because of the thin skin. So don’t fret anymore over whether you should have eyelift surgery. First check out the newest procedure called thermolift!

If you have large pores, you want to know how to shrink them. Not only can they change the appearance of your face, but they can also be breeding grounds for acne and breakouts. However, many people with large pores are born that way – which leads some to believe that you can’t do anything about them. This is misled thinking. With just a few simple steps, you can help reduce the size of your pores or cover them up from those who are looking.

Keeping things clean

One of the best ways to start controlling enlarged pores is to make sure that they don’t look bigger than they need do. Often, larger pores are caused by an accumulation of dirt and oil – sometimes spouting up as blackheads or whiteheads. When you take the time to remove the dirt and oil from your face, you can lessen the overall size of your pores, though temporarily. Try to wash your face one to two times each day with a gentler cleanser. The trick is to buy something that’s gentle so that you’re not irritating the skin and causing more reasons for your pores to expand. Soap free products are good as are products that contain mild astringents (you could find these in the acne section). Simply lather up your face with the cleanser, rinse completely off and you’re allowing your skin to stay clean.

But wait…there’s more

The next thing you will want to do when you have enlarged pores is follow up with an astringent or toner. This can be a certain brand from a store or just simple witch hazel. By placing this on a cotton pad or ball and rubbing it on your face after you wash, you will help the pores constrict, leading to a smaller appearance. The only problem is that you don’t want to use that too much as you can also dry out the skin. Be sure to follow with a water-based moisturizer to prevent this from happening.

Do pore shrinking products really work?

The thing that you will want to remember about enlarged pores is that much of their size is determined by heredity, so you’re only going to be able to reduce their size temporarily with these products. If you’re heading out for a night on the town, this can be the perfect solution for making your makeup look its best. In the long run, however, your pores can only be minimized and not reduced permanently.

…Makeup trick

The key with creating a pore-free appearance to your skin is to use a foundation or a tinted moisturizer that’s suited to your skin type. When you use something that’s too oily or too drying, you will call attention to your pores. Try to determine the skin type that you are before shopping for a foundation. Another idea is to stick with a foundation that’s a cream and a powder in one. These tend to provide ample coverage for your pores, but also not be as heavy as liquid foundations. Make sure to apply a light dusting of powder when you’re done for a movie star appearance.

Everyone knows about the dangers of skin cancer. But not everyone understands that skin cancer is often payment for the sins of our youth. Cancer that appears on your skin is normally something that has been in the making for many years. It is an end result of a mixture of genes and behaviors that is peculiar to each person and the risk of getting skin cancer is directly proportional to certain risk factors that increase the odds.

Skin Cancer Risk Factors

• Heredity (genes)
• Frequency of unprotected exposure to sun
• Smoking
• Type of skin – fair skin has highest degree of risk
• Sunburns we got as a child
• Use of sunlamps and tanning beds

Cancer on the skin is a group of malignant mutated cells on the outer layers of the skin. A melanoma is the more severe form, because it can go below the outer layer. This makes it more probable, that if left undetected, it could spread into the body. The good news is that if caught early, any kind of skin cancer is curable. Detecting skin cancer is not difficult. It just takes diligence. The American Academy of Dermatology created the ABCDE rule to make it easy to remember what to look for on your skin.

Learn Your ABC’s – by ‘The American Academy of Dermatology’

A – look for an asymmetrical mole or a mole that is not the same on both sides
B – look for moles with an irregular border
C – look for moles that are an uneven color
D – look for moles that are larger than 6 millimeters (approx .25 inches)
E – look for moles that are elevated above the skin

If you discover any mole that looks suspicious, it is important to see a doctor right away. Like any cancer, early detection is the key to eliminating the skin cancer and preventing its spread.

Preventive Measures

Like most problems, preventing the problem in the first place is the best strategy. Though skin type and genes are major skin cancer determinants, there are things anyone can do to minimize the risk.

• Avoid direct sun exposure, especially between 10 AM and 3 PM
• Never use tanning beds and sun lamps
• Use sunscreen that has a sun protection factor (SPF) of at least 15
• Wear protective clothing, including hats and sunglasses

A tan is actually damaged skin cells. It is the mutation of the cells caused by UVA and UVB rays (ultraviolet A and B) that creates cancerous moles. Ultraviolet rays are radiation, whether you get the rays from a tanning bed or the sun. Sunscreen lotions should be used regularly, but most importantly, they should be used all your life, from infancy to old age. If you get one or more severe sunburns as a child, it significantly increases the odds of getting skin cancer after 50 years old.

The sunscreens today are nothing like the greasy ointment-like lotions that used to be sold. Lotions today have important UV ray protection and moisturizers, and most are non-greasy. They are easy to apply and don’t stain clothes so all the excuses for not wearing sunscreen have been eliminated. There is a wide selection of sunscreen products for skin, lips and face. The best news is there are now effect self-tanning lotions available on the market. So if it is important that you have a tan, you can get one today without exposing yourself to dangerous skin damaging rays.

The expression on your face can tell volumes about the kind of person you are. Whether you’re upset or happy, the way your face moves can cause others to gravitate to you or shy away. Instead of creating the wrong impression with your expression, you can help to open up your demeanor with simple eye brow shaping. When your eye brows are properly shaped, they can brighten up your appearance – even when you’re not feeling so bright.

How to shape your brows

You will need several tools in order to properly shape your eye brows:

The first thing you need to do when you get started is to look at your face in the mirror. Look at your current bone structure and see what your eyebrows look like now. You might see that there are stray hairs between them, creating the unfortunate ‘unibrow’ look – that can be easily remedied at the start or after you do the primary shaping.

Take the pencil in one hand and the eye liner in another. Line the pencil up with your nose so that the pencil is alongside your nostril and going straight up to your scalp as straight as you can. Hold it there as you draw a small mark on your eye brow where the pencil meets it. Keeping the pencil in place, rotate it so one part is on your nostril still but the other move toward the outside corner of your eye at an angle. Wherever the pencil is meeting the outer part of your eye brow, make a small mark here too.

Also take the pencil and carefully line it up against your eye in the center (not completely on your eye, of course) so that you have the pencil in the middle of your eye from your cheek to your forehead and mark in the middle of the eye brow where this happens.

These marks are the lines that you will want to remember when shaping your brows. The mark that’s on the inside of your eye brow is the end of your inner shape. Anything that is in the middle of this mark (you did do both eyes, right?) will need to be removed with a tweezers. The same goes for the outside mark and removing anything outside of that mark, between the brow and your forehead.

The middle mark is a little trickier. This is where you can start to arch your brow if you want that effect. You may want to pluck a few hairs here and then slowly create a thinner and thinner eye brow as you move toward the outside of your face.

If you have troubles with tweezers, simply ice down your skin for a few seconds and then pluck – it’s a lot less painful. And remember that you can’t put back hairs that you’ve plucked, so take you time and pluck hairs one by one. If you should pluck too many, keep your shaping rules in mind and draw (lightly) in any missing hairs with an eyebrow pencil.