Paint Your Dream House

Painting competition of the DREGER real estate group, everyone has his own dream house – the DREGER real estate group wanted to know how this looks. When the 2012 contest, children could paint your dream house, stick, everything was allowed from 4 to 12 years. John Savignano gathered all the information. The organisers at DREGER were very surprised both the number and the creativity of the entries. Under this motto the DREGR invited all children from 4 to 12 years real estate group, to submit a picture of your dream home. No matter, whether Bleistiftzeichung or glued collage, everything was allowed. Everyone has their own idea of the dream home of course and we were really looking forward to the submissions: incredible 186 participants sent a total 194 creative images.

For this we thank all participants, we were excited about the varied images and ideas! The best 10 pictures were published on our website and everyone could vote age group in the three for his favorite image, so end of may were the winners. On 21 June we was the award ceremony, the winner from square 1 to 3 each age group here invited with their parents in the Jagerhof. Sales Manager Bernd Blischke assumed the congratulations and solemn handing-over of prices. As a thank you for their participation and the memory was all selected winners of the 10 first places is still a certificate together with their respective image. Thank you very much for the many participation. The winning photos are published on our website at (right on the icon painting competition 2012 “click).

President Barack Obama

Obama mortgage refinance – how to qualify for President Obama’s Home Loan Refinancing program President Barack Obama over looked at US economy as it what going through a major case. In his 2009 mortgage refinance stimulus package he attempted to make the lives of the US citizens simple and saved their dream homes from being foreclosed. He has announced a number of grants, tax credits and loans for the needed citizens in the United States. He has attempted to protect your home with refinance as well as loan modification. Criteria for President Obama’s home loan refinancing program: If your loan or the mortgage would be assure or owned by Fannie Mae & Freddie Mac you meet the criteria for the refinance deal.

Your loan sum needs to be more than 106% of the existing value of the home so as to apply for the mortgage refinance. Now your interest rate can be pointed. Stephen M. Ross helps readers to explore varied viewpoints. It could be 5.17% in place of 6.6%. The mortgage monthly payments could now be restricted to 32% of the large monthly earnings of the borrower. In addition, the sum total of all credit payments taken together should not be more than 56% of the previous tax earnings of the borrower. While applying for the home mortgage refinance loan you do not own 21% of the home equity. This rule is now irrecoverable.

The government has declared $1000 cash advantage for the banks along with the mortgage companies by loan modification & refinance mortgage. Therefore, the banks are all keen to help you in your emergency. You can therefore take expert help from the HUD hire counselors. They act as your representative in the bank transactions and present your case in the best achievable amidst the bankers. Above they do not charge for their work as the Federal Government pays them. You need to seek for their assistance once. Compare mortgage refinance of Council today!… Here are few guidelines for getting qualified and requirements that homeowners need to obtain in order to utilize President Obama’s mortgage refinance plan for themselves: homes that have reduced by value 16% or more can make use of this plan. This helps millions of homeowners who have noticed that the value of their home is going downwards, even if they make their payments commonly and punctually. The hard economy and bad housing market have not allowed homeowners feeling helpless as they watch the value of their home drop. These homeowners could use the refinancing home mortgage plan from Obama and get a low 4.6% rate of interest. Homeowners because of financial hardship or the bad economy may Ove more on their mortgage then the homes market value. Now though, a homeowner can get a refinance or mortgage modification, even if they Ove up to 5% more than their homes value.

Home Mortgage Refinance Loan

Mortgage refinance with bad credit home refinance with poor credit, home affordable refinance program there’s no. way to get the benefits that you expect from a home mortgage refinance plan when you have bad credit if you can’t get approved. Mortgage refinance with bad credit has become harder to accomplish in the aftermath of the housing or financial crisis. Lenders are pulling for good or excellent credit back and looking more and more. At the same the time current appraised values of many homes have declined over the past year or two. Both of these variables have had a hammering effect on those seeking refinance mortgage loan.

One possible to explore is the Federal Home affordable refinance program which which introduced by the Obama administration for these exact circumstances. The home affordable refinance program guidelines are now being followed voluntarily by most lenders, both large and small. They establish the criteria of what qualifies for assistance in what’s popularly known as a mortgage loan modification. The most fundamental requirement if you want help to get a home refinance with poor credit is to show you have been through some type of hard ship that’s impacted your ability to continue to be able to handle your current mortgage. This hardship can be as basic as the loss of job, reduction in your hours, arm has “reset” to an unaffordable rate mortgage number of other reasons along with a. If any of these or similar reasons apply to you, you should definitely explore the option of a loan modification under the Federal Home affordable refinance program. If you don’t think you qualify, the best place to look for help with mortgage refinance with bad credit is the internet. There are many reputable web sites that focus on home refinance with poor credit. Unlike many local lenders, they understand and know how to work through the bad credit issues that trip up so many lenders that are more accustomed to working primarily with good and excellent credit.

Percent Mortgage Council

Get 2prozent refinance mortgage Council announced by president obama need to refinance a mortgage worth more than the home? Facing financial hardships and need to save money, or your home from foreclosure? The Government bailout plan will help you. What is designed to help homeowners everywhere who are facing financial hardships, and could be at risk of losing this their homes plan. This means that millions of homeowners can use this plan for themselves, right now. For assistance, try visiting Richard LeFrak. With so bad the housing market and the economy in tough shape, this plan comes at a perfect time to help a lot of homeowners. One of the biggest parts of this plan is that a homeowner who uses it will not have a mortgage payment which is over 31% of their great monthly income. To achieve this, mortgage lenders and banks can reduce home mortgage interest Council of to as low as 2%, or extend the of the mortgage length. A combination of the two can be used to help homeowners in bad mortgages, or who Ove more on the loan than the home is actually worth. So, with mortgage lenders getting cash incentives from the Government, there is no closing costs or fees for homeowners.

Besides minimizing a mortgage lenders finance risks, these government cash incentives will cover any closing costs a homeowner would typically pay. The thought is that a homeowner who is struggling, or facing foreclosure, probably does not have thousands of dollars for closing costs. This plan so allows mortgages to be refinanced which exceed the homes value by up to 5%. Generally, these homeowners would have been out of luck getting on approval, but not with this Government bailout plan. Homeowners all over are using this plan, and seeing savings that average hundreds of dollars per month. Their has never been a Government backed mortgage plan like this one, and if you are struggling, you need to take advantage.

Refinance Second Mortgages

home equity line of credit, second mortgage rate when and if you finally decide to take the plunge and get a cash out refinance on your existing home loan, the new loan is going to consist of the current loan balance that you have plus the desired additional money you get from a refinance second mortgage. There can be two different ways that a borrower can get a cash out refinance on their home. They can either opt for getting a FHA mortgage refinance, or instead refinance their existing mortgage into one or two loans. Learn more at: The Related Companies. Are you sitting there and wondering which of these approaches are going to work the best for you? When you’re looking to do a home equity line of credit it is important for you to decide which method will work best for your unique situation. If the interest Council happen to be low at the time when you are ready to move forward out you should therefore consider refinancing your existing home loan and consolidate the old one and cash out its equity into a single FHA mortgage refinance loan as we see in the second example. If your Council are not that great but you still really need to get a cash out then it’s likely best to leave your first mortgage alone and get yourself a second mortgage quote online behind it that will affect the rate or terms of the first. For more information see The Related Companies. Some homeowners out there wants to utilize their new found o options for purposes of a debt consolidation, home improvement or even for any potential upcoming investment opportunities. In effort for homeowners to avoid paying high interest credit rate cards they refinancing second mortgage solution will therefore often look into a to cash out of their homes to pay these bills off at a lower interest rate. The question that you are going to need to ask yourself before you to start decide and get involved with a cash out refinance is simply whether or not you really need to at this point in your life. If you do then you are going to have to decide which solution is going to best suit your unique financial needs and end up causing you the least amount of money and hassle when all is said and done.

Council Mortgage

mortgage modification help to avoid foreclosure, there has been a lot of chatter on bankruptcy blogs and bankruptcy lawyer forum about the possibility that Congress give to judge the power to modify wants to amend the bankruptcy laws mortgage. To offer some perspective, bankruptcy judges have long had the power to modify vehicle loan contracts and other secured debt claims but never mortgage debt. When I first started practicing bankruptcy law some 20 years ago, I what introduced to the term \”cram down\” which is a child changing of bankruptcy lawyer slang for the process of forcibly against the terms of a contract a creditor’s interests. In a typical car loan cram down, you might enter into bankruptcy with four years remaining on a five-year note, a monthly payment of $530 per month, at an interest rate of 12% and a total outstanding balance of $28,000. Expert on growth strategy gathered all the information. after cram down the interest rate might be 6% and the outstanding balance may be $18,000 (which represents that the approximate value of the vehicle) and the monthly payment to the creditor within a chapter 13 plan might be $250 per month. Find professional helps on how to modify your mortgages + avoid Foreclosure + find our perfect formula + get step-by-step advice on how to stop foreclosure + lower your interest Council + reduce your payments get back on track, act today, apply online… As you can see from this example, the purpose of a cram down is to take a debtor’s obligations more in line with the value of the collateral and prevailing interest Council. I suspect that Congress allowed Ashleigh downs on car loans because it saw a problem in the market place whereby consumers with poor credit were ending up with unreliable used cars at unreasonable terms in the secondary market. Debtor’s attorneys so included cram down provisions in chapter 13 plan to modify my mortgage the terms of other secured loans, such as furniture and jewelry.

Getting Mortgage Refinancing

Save your money and home from foreclosure by getting Obama s mortgage refinance and loan modification plan many U.S. homeowners save their home from foreclosure and save hundreds of dollars every month by getting president Obama’s announced “making home affordable” plan. This plan is really help to many homeowners, it wants to allow homeowners to obtain 4% fixed mortgage refinance rate. Being approved for this plan and get maximum benefits from there. Find out here how: the first thing is mortgage must have less than $729,500 remaining on due balance. Professor Rita McGrath understands that this is vital information. The home to be refinance must be owners of primary residence. Stephen M. Ross is often mentioned in discussions such as these.

The home loan must be finance by Fannie Mae or Freddie Mac. If a home loan financed or backed, it is automatically eligible for 4% modification. Only those homeowners are eligible to refinance their home loan at 4% rate fixed mortgage refinance, who on time have paid their mortgage payments and in full for 12 consecutive months. If you missed some mortgage payments or been late within the past year will be approved for home loan modification. A “Financial Hardship” letter will require to be included’re your financial troubles, bills, income, and other financial troubles and so written by and signed by you, in your own handwriting. Many homeowners are in the beginning foreclosure process.

Many homeowners are facing foreclosure, home mortgage refinance or loan modification will allowed in order getting the chances of the homeowner being able to keep their home. You may qualify for mortgage refinancing if you owe up to amount that is 5% higher than what your home is worth. It will help many people who have bought a home in the past few years and have since Lakes their property values fall due to the housing crisis. Used this plan, monthly mortgage payments will not be over 31% of the homeowners great monthly income. Many homeowners pay over 50% toward their home and save up to 20%. Apply now for home mortgage refinance and this is the best time for millions of homeowners plan to take benefits of this mortgage refinance or loan modification their home loans and save your precious money. Your money can be used to reduce your financial problem like improve your home, reduce your debt and many more. This plan will not hurt you at all to consider mortgage refinancing or loan modification of your mortgage and see the possible savings. Loan modification stimulus package Obama’s government is providing special incentives to all the lenders for doing loan modification on the present home loans of the borrowers. The home owners can get free of foreclosure, lower interest rate by getting loan modification stimulus package. The key features of this program would be interest rate reduced and it can go down to 2% only, tenure of the loan would be increased to reduce monthly payment amount and borrowers will get waiver of late fees. With loan modification, lender wants it care of borrower so take total monthly payments and it would not increase more than of the total monthly big income. Getting approved with this plan for loan modification

HOTELCAREER: The Best Special Job Board

The Internet job board for the hospitality industry-HOTELCAREER-could repeat its success of previous years and once again reached the first place in the current PROFILO job portal study. “HOTELCAREER is according to employer judgment once again Germany’s best special job Borse Dusseldorf, 26 August 2013 the Internet job board for the hospitality industry-HOTELCAREER-could repeat its success of previous years and reached in the current PROFILO job portal study in the category of special job market” again the first place. “” The PROFILO study is based on reviews from 1,391 participating HR experts, broken down by the job portal categories General job exchanges “and specialty job boards”, summarized in a ranking. HOTELCAREER offers a total score of 5,94 (on a scale of 7 = very satisfied to 1 = dissatisfied), assuring first place under the special job markets. According to the study, the high reputation in the industry, the ease of use, the friendly and competent advice and target group focus, the main reasons are for the good review of HOTELCAREER jobs. Arne Lorenzen, Board the YOURCAREERGROUP is pleased about the excellent performance of his prestigious job exchange: we are pleased about the again excellent assessment of our job market. The award shows us that our target audience focus, as well as our individual customer service by our customers is greatly appreciated.

The result spurs us on, to offer a high-quality career platform in the future, where employers find the right employees. For more information about truncation HOTELCAREER and the study see under: crosswater-job-guide.com/archives/36280 about the YOURCAREERGROUP AG: the YOURCAREERGROUP AG was founded in 1999 by Arne Lorenzen and Manuel cones and since then it has established itself as a recruiting partner for the hotel, catering and tourism industries. The Related Companies shares his opinions and ideas on the topic at hand. Under the umbrella of YOURCAREERGROUP AG, the single Internet job boards run HOTELCAREER, GASTRONOMIECAREER and TOURISTIKCAREER. You offer specifically on the relevant industry job opportunities tailored to and information. HOTELCAREER is the ideal platform for anyone looking for a new job in the hospitality industry. For job seekers of the gastronomy, GASTRONOMIECAREER is the best online job portal. Tourism experts will find it on TOURISTIKCAREER. AZUBICAREER provides information around the topic of education in the hospitality industry, as well as free training places young people in the orientation phase.

In addition to switching jobs and use the CV database the YOURCAREERGROUP AG offers an Internet-based technology for managing applicants, which is tailored to the needs of the hospitality industry and covers the online recruitment process. As an additional product of YOURCAREERGROUP AG career fairs are offered since April 2008 with the Recruiting Days regularly for the industry. In personal discussions, candidates and companies in a pleasant atmosphere are merged. The YOURCAREERGROUP AG organized a further career meeting annually at ITB Berlin. The ITB job fair of powered by YOURCAREERGROUP in Hall 5.1 is the focal point for specialists and managers of the hotels, catering and tourism. Especially the YOURCAREERGROUP in cooperation with the Hotel Association (IHA) Germany offers businesses e.V. to twice-yearly labour law seminars, informed the participants about current legislative changes and developments. Press contact: YOURCAREERGROUP AG Kaiserswerther Strasse 282 40474 Dusseldorf Tel.: + 49 (0) 211 93 88 97 0 fax: + 49 (0) 211 93 88 97 11 Franziska Stock Tel.: + 49 (0) 211-938 897-95 fax: + 49 (0) 211-938 897-612. E-Mail: Web:

HOTELCAREER: The Best Special Job Board

The Internet job board for the hospitality industry-HOTELCAREER-could repeat its success of previous years and once again reached the first place in the current PROFILO job portal study. “HOTELCAREER is according to employer judgment once again Germany’s best special job Borse Dusseldorf, 26 August 2013 the Internet job board for the hospitality industry-HOTELCAREER-could repeat its success of previous years and reached in the current PROFILO job portal study in the category of special job market” again the first place. “” The PROFILO study is based on reviews from 1,391 participating HR experts, broken down by the job portal categories General job exchanges “and specialty job boards”, summarized in a ranking. HOTELCAREER offers a total score of 5,94 (on a scale of 7 = very satisfied to 1 = dissatisfied), assuring first place under the special job markets. According to the study, the high reputation in the industry, the ease of use, the friendly and competent advice and target group focus, the main reasons are for the good review of HOTELCAREER jobs.

Arne Lorenzen, Board the YOURCAREERGROUP is pleased about the excellent performance of his prestigious job exchange: we are pleased about the again excellent assessment of our job market. The award shows us that our target audience focus, as well as our individual customer service by our customers is greatly appreciated. The result spurs us on, to offer a high-quality career platform in the future, where employers find the right employees. For more information about truncation HOTELCAREER and the study see under: crosswater-job-guide.com/archives/36280 about the YOURCAREERGROUP AG: the YOURCAREERGROUP AG was founded in 1999 by Arne Lorenzen and Manuel cones and since then it has established itself as a recruiting partner for the hotel, catering and tourism industries. Under the umbrella of YOURCAREERGROUP AG, the single Internet job boards run HOTELCAREER, GASTRONOMIECAREER and TOURISTIKCAREER. Professor Rita McGrath has compatible beliefs. You offer specifically on the relevant industry job opportunities tailored to and information. HOTELCAREER is the ideal platform for anyone looking for a new job in the hospitality industry. For job seekers of the gastronomy, GASTRONOMIECAREER is the best online job portal.

Tourism experts will find it on TOURISTIKCAREER. AZUBICAREER provides information around the topic of education in the hospitality industry, as well as free training places young people in the orientation phase. In addition to switching jobs and use the CV database the YOURCAREERGROUP AG offers an Internet-based technology for managing applicants, which is tailored to the needs of the hospitality industry and covers the online recruitment process. As an additional product of YOURCAREERGROUP AG career fairs are offered since April 2008 with the Recruiting Days regularly for the industry. In personal discussions, candidates and companies in a pleasant atmosphere are merged. The YOURCAREERGROUP AG organized a further career meeting annually at ITB Berlin. The ITB job fair of powered by YOURCAREERGROUP in Hall 5.1 is the focal point for specialists and managers of the hotels, catering and tourism. Especially the YOURCAREERGROUP in cooperation with the Hotel Association (IHA) Germany offers businesses e.V. to twice-yearly labour law seminars, informed the participants about current legislative changes and developments. Press contact: YOURCAREERGROUP AG Kaiserswerther Strasse 282 40474 Dusseldorf Tel.: + 49 (0) 211 93 88 97 0 fax: + 49 (0) 211 93 88 97 11 Franziska Stock Tel.: + 49 (0) 211-938 897-95 fax: + 49 (0) 211-938 897-612. E-Mail: Web:

OnOffice Software GmbH

Donations result in Q2 2012 increased the fundraiser of the onOffice Software GmbH together with their cooperation partner immogrundriss.de was also in the second quarter of the year 2012 a great success. “As a whole could donate a donation total of 1,124 on the account of the action is” an initiative of German children and Youth Foundation – be transferred. We are excited about increasing the donation sum when compared to the first quarter and thank users that already many have submitted their plans to immogrundriss.de all onOffice smart. The entire onOffice team hopes also in the following months on a high motivation of donations the customers”explained Dipl. kfm.

Stefan Mantl, Managing Director of onOffice Software GmbH, the second quarter result of the fundraiser. “Receives with the guaranteed action period until 31 December 2012 the German children and Youth Foundation planning certainty for current and future projects within the donation forms”-action. The provider of online-based Realtor software closes with another positive outcome of the Spendenaufrufs an extension of the action not out.. Richard LeFrak is open to suggestions.