Three Essentials to Happiness

Did you know that there really are only three essentials to happiness? They are pretty simple when you think about it.

1. Something to do....such as a job, sport or hobby you enjoy
2. Something to love.... such as your family, friend, pet or home
3. Something to hope for....such as whatever your dream is

We all have the ability to do something, love something and hope for something. So think about what you have to do, to love and to hope for and you will realize that you have so much happiness to give and to live. One smile can brighten someone's spirits. One word can improve someone's whole outlook. And, one act of kindness can provide happiness to both of you in a way you didn't see coming. Your time and energy are too precious to spend on anything but happiness. Your life will be much easier to endure when you let out your inner joy.

Remember that the really happy person, is one who can enjoy the scenery when on a detour!

Have a happy day!

State of Nevada Releases Names of Legal Loan Modification Companies

Here in Nevada as well as all across the country, many people are using loan modification companies to help them stay in their home. A legal loan modification company will mediate between borrows and lenders regarding a mortgage loan and will not charge upfront fees. These companies are also referred to as debt settlement companies or debt consolidation companies. A loan modification will do one or a combination of the following: decrease monthly payments, lower interest rate or extend the term of the loan, to ultimately avoid foreclosure and save the home. Unfortunately, there a too many illegal loan modification companies and scams taking advantage of desparate homeowners. Therefore, consumers need to be aware of this situation and make sure they are protected.

The state of Nevada has released a list of 28 companies they say are legally conducting loan modification businesses. A new state law forces those companies to carry a $75,000 surety bond which is meant to protect consumers. The Nevada Division of Mortgage Lending warned they would close any loan modification business that did not carry the bond.

Struggling homeowners can see the list of companies that are authorized to provide loan modifications. Consumers are also able to file a complaint using this form.

For a list of the companies who failed to meet the extended deadline, which was last Friday, please click here: http://www.lasvegasnow.com/Global/story.asp?S=11435476

Source of portions of this information: www.lasvegsnow.com

State of Nevada Business and Industry- http://business.nv.gov/PressReleases/PR-2009-11-02MLDBondingDeadline.pdf