Few rules for you which will guarantee your success in fishing

Few rules for you which will guarantee your success in fishing

Most of the time fishes ran away even after getting stuck in the hook which is why it is essential to know about the rules or techniques. In this article you will get to know about lake fishing techniques that will be going to help in catching any type of fish you want to. 

Stay till the end and do not forget to carry a safety backpack with you in whom you can store all the essential things like fish food and much more. You can use online services in order to gain more information about the tools and other things for fishing.

Rules which will be going to make it easy for you to catch fishes

Tons of rules are there but before discussing them some basics should be cleared of like you should need to consider your safety first. There is no need of rushing as you need to be patient if you want to succeed in this activity and likewise it will be going to work out.

  1. Location-The very first golden rule you need to keep in mind is the location. Find the best one as it also depends on the weather as if summers are going on then you need to find the one with shelter around it. Chances will get higher in order to catch them.
  2. Artificial lure- There is an artificial lure you can use which will help in attracting fishes towards the hook and you can easily catch them without any thoughts. You can buy the lure from the market easily.

Baits- Now this is the most important thing you need to consider which is bait as you need to use the best bait with sharp hooks so that it can become way easy to catch fishes.

Virtual Data Room Access Agreement – an in Depth Anaylsis on What Works and What Doesn’t

Virtual Data Room Access Agreement – an in Depth Anaylsis on What Works and What Doesn’t

Data room is an essential instrument for research. An on-line information place or information room can be an internet warehouse of important documents about an organization. The information room that is online makes it feasible for the selling company to present valuable advice in a controlled fashion and in a method to help preserve confidentiality. A digital data room is an internet platform which facilitates file sharing and collaborations in between getting and selling parties within a selection of trades such as acquisitions and mergers. Digital bargain space or An electronic digital data room stipulates the capacity whenever they’re needed immediately to deliver crucial files and documents.

A data room can give the capacity for people share data files that must definitely be protected for explanations that are assorted and to work together. Virtual Data Rooms are exceptionally efficient, safe, and economical and potent. A digital Data area (VDR) is an assortment of proprietary extranets which supply an internet repository of information. Implementing a digital info room provides the security to permit you to run your company without fear of IdentityTheft or a security breach. In addition, it can provide the capability. The digital data room that is iDeals enables sellers to observe offers. An analysis of the virtual Dataroom can be done to get the correct information about the business organization. The digital data is collected in the software for the benefit of the business people. The capabilities are there to deal with the information available in the virtual data room. 

Most of our organizations may wish to improve additional rounds. The aim of D d will be, thus, to make sure that the firm you’ve established is investible out of a hygiene perspective. Together side making sure everyone else on your business is familiarized with your protection platform, it can be beneficial to train staff members on fundamental online security and protection. Companies can envision and manipulate data in ways that make it simple to understand by employing the Samsung Gear VR, together with enterprise applications. Since you entertain businesses the better prospects will operate to acquire an comprehension of what exactly is significant to you and the thing you need so you receive a yield on the investment decision you have built on your computer systems. Significant Lifescience firms favor the Merrill DataSite digital information place treatment for take care of their own small business requirements.

When you’ll find lots of companies of virtual data rooms today maybe not all of them provide capabilities that are exact. In the same style, you shouldn’t seek the help of an IT company who’s not signaled by somebody that you anticipate and wouldn’t speed anything lower than a on the report that is digital. An cloud calculating supplier on the reverse side, which supplies an exhaustive support level contract and retains skilled protection staff on site, will usually offer security in comparison with all the inhouse selection.

It’s constrained features in comparison with other VDR providers while the service might be used for many endeavors. Since their providers are really wide spread they’re a very superb choice for huge businesses that may afford high and data direction services that are total. The service is supposed for dispersing advice to your good deal of persons fast. Implementing a service like a document exchange anticipates which you find it possible to make sure that your info will be protected and safe.

Virtual Data Room Access Agreement Secrets That No One Else Knows About

Because there was once the accident landed in 20 08 2009 there isn’t anything like the quantity of leverage in the machine. Additionally, there are a lot of manuals to be found on the net about ways to produce passwords. There are typically a number of money units out there.

The planned use is a substantial informer for the outcome. Utilizing an electronic deal room can be quite beneficial for almost any company now. You’d want someone that knows your wants, and knows the way to address them. There’s no need to displace the part of the designer there are those huge issues on earth which should be solved.

Access could be restricted to a period framework or complete number of hours. With no code that is identifying, there is not any accessibility. Usage of the data place is created with also a protected password and a safe user identification, by means of the net. Lomostar consumers can make use of THM directly to take part in event prediction, plus they are ready to convert Tokens into THM to take part in these forecasts.

You’re definitely going to be more in a posture to transfer any advice even and know that it is going to arrive without any a problems through having a digital deal room. If you don’t add material’ information you may get in trouble. Finding the best way to talk information is currently an extremely time-consuming section of the approach. It has to be more shielded As the advice might perhaps not be regarded as sensitive. If you’re sharing information with a group of personnel delivering documents or photos into family or buddies then drop-box is a cheap application. Awareness is information which has already been heard and retained. In the future it is going to soon be retained extensively in electronic form.

Surge Social Media Marketing – What are the benefits?

Surge Social Media Marketing – What are the benefits?

So you’ve built your page, what’s the next step? It has no followers. Right now, it’s like an advert that’s hidden somewhere – very ineffective. Here are a few of my top tips to get you publicity.

Setting up a group is easy and will take you no time. Go to Facebook Groups Page and select ‘Create New Group’ at the top on the right hand side. Go through all the blank boxes, filling in the information to the best of your ability. Select ‘Global’ as your network because it will mean that anyone on Facebook can access your Group. This is unless you are a very local business who doesn’t want connections from around the world. Now you have a group to use with your page to get huge amounts of attention to your business for free or pay to use Facebook Ads to give it a push if you wish.

A business using Facebook for marketing should make a Page for their company most of the time. This is what Facebook recommends. Occasionally though, it might be useful to create a Facebook Group as well or in place of the Facebook Page. What’s the main difference between the two is that a group has a more community feel to it – it will allow people to connect through the site easier than a page. A page on the other hand is just a representation of the business. People become a fan of it but there is little interaction. Here are a few of the key differences. The connection of the people is great with the purchase of the likes and comments. All the essential information is available here at the site. The recommendations can be taken from the relatives and friends to get the desired results. 

Facebook has recently told us that it has 150 million users log-in to its website every single day. So if you have a business, you may as well try out Facebook for marketing. That’s a lot of potential customers out there. Many businesses have done this recently, some of them even scrapping time on their website and trading it in for time on Facebook. Although with popularity comes competition. Can you imagine how many Facebook Pages are out there competing with yours? The mind boggles.

You need to think differently to get noticed but if you do the benefits are tremendous. Here are a few ways.

  1. Use your profile photo well – Make sure it tells people who land on your page who you are and more importantly what you have to give them. People on Facebook have itchy fingers, they don’t wait around for long. Get their attention as quickly as you can and keep it. Make it as big as you can and eye catching.
  2. Use your name well – What name would attract you to a page? Be brutally honest with this one here. Often, you should just use the businesses name here. If it’s a franchise, you may want to add the city name as well to differentiate it (eg. Wetherspoons Piccadilly).
  3. Use your URL well – On Facebook, you can choose to have a standard URL which has a tonne of numbers after the forward slash or you can have a Vanity URL. Tonnes of people will find your business simply by typing ‘Facebook.com/YourBusinessName’. This may also help your business in Search Engine Rankings. Also, if you get an official sounding name it shows authority. Businesses with names like “AutomotiveParts34” just sound silly and people will not be sure if it is what they’re looking for.
  4. Give followers good information – When you get to the Information box on Facebook, fill it in with as much useful information as you can. Tell them a little about your history and then go straight into how you can help them. Also, use a lot of Keywords related to your business so that you get tonnes of traffic from Search Engines. Words for a car company might be – exhaust, petrol, chassis etc.
  5. Personal touch – A fantastic way to do this is to make a page on which you can add extra tabs. They show at the top of the page and if they seem interesting, others will click on them. You may have seen these already with tabs like ‘Discussion’ and ‘Forum’ appearing regularly. Keep on connecting with those Facebook fans and they will do the marketing for you. Every time that they post something, it comes up on their news feed for all their friends to see which is great publicity. Word of mouth is the best there is.
  6. Use current networks – If you already have networks online for your business then tell them about your Facebook page. It helps to put a little banner on your website/blog about your Facebook presence. Many people will prefer to connect with you on this site as they are on it so often anyways. It only takes a second and is worth trying out.

Need An Airport Shuttle?

Need An Airport Shuttle?

We run an airport shuttle every two hours from New Haven to JFK, LGA, and Westchester Airport. We pick up from your address, and all hotels in New Haven, CT. Call us for more information and pick up locations. Ask about our reasonable airport shuttle rates! Here are some of the airports we service outside of the airport shuttle.

We are pleased to tell you that we are not only a chauffeur service. We provide you the best transportation service in town, either in your car or in ours. No matter what kind of car you are looking for: sedan, Towncar, Stretch Limo, SUV, or Shuttle – all at one name and one address.

We offer limousines for many occasions. Get around town in style with a limo for prom, weddings, special events, and more. If you have a preferred color of your limo, call us and we are happy to make sure your chosen color is available on your selected date.

We Provide You A Safe Driver Servicer:

We are reliable chauffeurs for busy parents and families with children that need to get where they are going. We offer to drop off and pick up service, wait on children and pets, grocery shopping, special engagements, transporting relatives, taking vehicles to maintenance shops, etc.

If you own a business we can take you and your employees – or special guests – to and from the airport. We also ensure transportation for their corporate events like Christmas parties or company picnics. We can also be the mobile concierge dropping off or picking up packages. If you are located in the Tri-State area, give us a call to schedule your first pick up.

If you are scheduling for a senior citizen or elderly customer, you can trust we will take great care of their transportation needs. We can chauffeur them to visit their family and friends, doctor visits, groceries, salon appointments, church mass, bingo, and funeral visits. Please let us know if there are any special accommodations needed and we are happy to make the proper adjustments.

Let us chauffeur you to your sporting events at Yankee Stadium, Citi Field, or New Meadowlands Stadium. We will also ensure your transportation to New York City for site seeing, like Times Square, Statue Of Liberty, Empire State Building, Madison Square Garden – and from any concerts, nightclubs, restaurants with your loved ones at any time.

If you are planning a “night on the town” – hire us as your chauffeur and designated driver. We will also take away any concern you could have after drinking alcohol at a club, or after a couple of glasses of wine or liquor at dinner. We can help you avoid a DUI, driving you and your guests home safely. Choose from having us drive your car, or one of our limos, town cars, or SUVs.

Are you and your family going on vacation? Leave the hassle of driving to us. Being comfortable and used to your driver in unknown territory is very important. Use our chauffeurs for all your out-of-state trips or holiday vacations. Take us to Las Vegas or to Miami Beach, we will be proud to serve you.

Electronic Cigarettes For New Generations

Electronic Cigarettes For New Generations

Technology is ever-changing. One of the newest things out on the market are electronic cigarettes and e-liquid to refill them. Siberia snus is a type of snus that is a healthier alternative to traditional cigarettes but still contain nicotine. They just don’t have all the other harmful chemicals that traditional cigarettes do. We would like to invite you to visit our store servicing the Pahrump Nevada with your Electronic Cigarettes and E-liquid needs.

This great new technology is also odorless and harmless to anyone around since it lets out vapor and not smoke. This means you do not have to worry about others around you getting any secondhand smoke because there is no smoke emitted from these.

Most find that electronic cigarettes are actually more affordable than traditional cigarettes as well. Many find that a typical cartridge depending on the brand is good for a cartoon or so of traditional cigarettes. You will find that you do need to change the cartridge from time to time and in some cases, you can even get the liquid so that you can simply refill the cartridge which makes it even more affordable.

While the electric cigarette is not marketed as a method to stop smoking many people have found that they have drastically cut back on smoking and some have found that they don’t smoke traditional cigarettes at all after starting the electronic cigarettes.

There are a number of brands out there. You can order online but most people are beginning to look towards their local stores to get their electronic cigarettes and any accessories that they need for it. One of the best stores to shop at in the Las Vegas area for your electronic cigarette needs in Pahrump Electronic Cigarettes and E-liquid Store.

If you shop here and have never used an electronic cigarette before, you will find that they will be able to help explain the process to you. You can learn how to use it and even which type will be best for you. You should also know that there are different flavors such as full-flavored electronic cigarettes and in some cases, you will find menthol cartridges should that be what you prefer as well.

Remember that this is a great alternative to cigarettes but can still be addicting and many don’t recommend starting to smoke electronic cigarettes if you are not already a traditional cigarette smoker. You still need to be of age to buy this type of product as well.

Making the change can be a bit different and you might find that you like the electronic cigarette much more than the traditional cigarettes or you might not enjoy them quite as much. Most people are pleasantly pleased with how real the cigarettes look and feel. If you are not certain about the switch you should know that they do make disposable ones that you can use and then throw away if you are going to be trying one for the first time. Should you decide that you like it then you can get a reusable starter pack to keep you going on the electronic cigarette from thereon.

Social Media Begins With You

Social Media Begins With You

A lot of the clients I work already have an idea about what they’d like to share across social media. However, for most people, taking a step back and sitting down to view the landscape will save them not hours, or days, but possibly much more time lost in the wilderness.

I believe that a truly successful journey can only be taken once you have a real sense of who you are. When I refer to who, this includes organisations too. Social Media is not something separate from you, a thing that you outsource or let a junior handle, it is an extension of who you are. Or it should be. Yes, it’s true that sometimes you find yourself whilst you are travelling, but that’s a philosophical discussion for another day!

So, who are you? Or which is the you that you want to promote on social media and how do you go about it?

Well, there are a few key questions and techniques you can use to determine precisely what you should be talking about, how frequently, but it starts, not with the why, but the I.

Sadly, people are more interested in increasing their subscriber base on platforms like Facebook and YouTube rather than question about the technicalities as given on https://www.smm-world.com/buy-youtube-views. But for now, let me relegate the readers with an interesting story.

I encountered a fabulous tool last year, which I recommended to anyone who’d listen. It’s was one of those start-spangled freemium things for Twitter, where the free bit of it was actually the most important bit. It was called Twylah. You’ve probably noticed that I’m using the past tense. Twylah was snatched up by Twubs.com. So, what got me so excited about Twylah? Basically, Twyhlah generated a report based on questions, which related to what you wanted to be known for. It started off with ten items and then whittled them down to 3 key things. It was a straightforward exercise that worked for individuals and corporates. Twylah, then used this information to determine 3 things:

  1. Were you talking about the things that you said you’d talk about.
  2. Did you talk about them frequently and regularly enough.
  3. Were you engaging with the people you set out to engage with.

Twylah generated a free report which got emailed to you within 24 hours. Cool.

But now it has gone, but what replaces it? You guessed it. Another tool, or rather an acronym, a book and an inner Twitter platform called Twitter for Good, which was initially intended for non-profits and NGOs, but works equally well for companies. And who came up with it? Claire Díaz-Ortiz, who is Leader of Social Innovation at Twitter. The #Twitter4Good book explains what the acronym TWEET (bet you wished you’d thought of that, eh?), encapsulates the Twitter approach . Sure, it’s Twitter, and not Facebook or say Instagram, but the model applies really well across all social media.

This is what the acronym stands for:

T – Target (not aim, but what kind of account you want to be: informational, personal or fundraising). Your identity.

This article very much explores who you are as a way of understanding what you should share on social media. If your aim is to be a thought-leader, you have to be clear about how personal you want to be. The more corporate the voice, the more employees you have using social media will favour a cooler, more corporate tone. The smaller the corporate, the more personal you can be. The voice or tone of voice, is something that can only be developed over time.

The simplest route we’ve used to determine who and what you should talk about is to run a little exericise:

  • What are you 3 most important values?
  • Which 3 topics are you most passionate about?

Clearly, depending on whether you are answering as a company or an individual the answer is likely to be different. Once, we’ve established the values and topics, we push towards a single line or paragraph that encapsulates who you are. From this, we encourage clients to develop a short story, a very short story that explains who they are from beginning, middle to end. Once you have the story of you, you’re on the fast flight home.

This is seriously the hardest bit in crafting the core of the message. After this, but the way is clearer, a direction has been set that you can now tracked. It won’t be the case of whether you have enough likes or followers, it is rather the case, are you true to who you are, because if you are and you engage with others, you will grow in a sustained way. You will have that authentic voice that people are looking for.

So, run through those exercises and ready yourself for the next stage of the journey. Crafting content, weaving story.

3 Ways to Blog Without a Website

3 Ways to Blog Without a Website

Setting up a website to blog can seem like a daunting task – especially if you aren’t interested in doing it long term or you’re not sure how dedicated you will be. If you have some thoughts to share but you don’t want to have to go through all that, here are some alternatives so you can start blogging immediately.

Mainly used for:

professional opinions, productivity and career tips

If you’re one of the thousands who upload your resume on LinkedIn and then run off to one of the more ‘fun’ social networks, then it may shock you to know how much of a thriving ecosystem LinkedIn has become for business professionals. Up until a few months ago, use of the blogging platform on LinkedIn was limited to ‘influencers’ – the elite few who had proved their worth outside of LinkedIn (think of it along the lines of a verified account on Twitter). Now, LinkedIn has opened up this platform to all members.

This could potentially lead to disaster once it grows and people start to flood the system with meaningless drivel, but for now I’m happy to say I’ve found several entertaining/enlightening posts in the last few weeks that I probably wouldn’t have seen outside of LinkedIn.

How to access:

Once you have a LinkedIn account, just log in and click on the pencil icon in the update bar. You will be guided through some ‘Getting Started’ tips from there.

Mainly used for:

thought-provoking articles and stories about life and work

Medium states their mission perfectly on their About page:

Medium looks fantastic on just about any device and it’s great for reaching an audience outside of your current social network.

How to access:

You can use your Facebook or Twitter account to sign up for Medium and start posting in minutes.

Mainly used for:

fun stuff your friends will want to read

When we were younger and Facebook was our primary social network, we all used Notes to share poetry, stories and fun, silly games like “Your Life As Britney Spears Song Titles” (seriously, I still have that one). Nowadays, Notes have evolved. They are a lot sexier than they used to be and provide prime real estate for persons and business who want to share stories and articles with friends and fans.

Facebook Notes requires a lot less formality than the other two options mentioned above, they can be as short or long as you like (the limit is 65, 535 characters), and you already have a built in network to share them with. Facebook has been known to give proprietary applications higher ranking in the News Feed than those from external sources, e.g. Facebook Video vs YouTube, so you’ll probably get more traction that way.

You may also use Instagram as your platform in writing blog. Yes, that is possible. All you have to do is to unleash your creativity and think of a way on how you can make it even more engaging. But if you have limited followers, you can grow it easily when you buy Instagram likes.

Eco-Friendly Water Bottles and Tips

Eco-Friendly Water Bottles and Tips

If you are among the health conscious today, you are sure to have a bottle of water near you at all times. Almost no one drinks water straight out of the tap any more. There is no telling what is living in the water coming out of the tap, and on the flip side of that coin, exactly what chemicals are being used in the water to kill whatever it was that was living in it. You are most likely always looking for tips to help guide you in your quest for clean healthy water. Did you know that there is now available to you, an eco-friendly water bottle for biking available to you?

If you are eco-friendly in nature, then it is only but natural that you would want such water bottles in your house and this page will have ample info about what you need to have when it comes to bottles of various sizes and shape, which is why they need to be better known so read on.

One great tip is to purchase water bottles that lend themselves to safe refilling time after time. You want to be sure that you are cleaning your bottles frequently in order to ensure that there are not any bacteria or mildew growing inside. There is a water bottle on the market today for biking that comes with a water filter inside, so that you can feel good about drinking water from any tapped source.

These bottles are very portable, and eco-friendly. You will be able to pack them along with your equipment for a hike, or a nice ride onto the trails in a beautiful forest, all the while, having your nice clean water just waiting for you in your backpack. When you have this type of water bottle for biking handy, you can go anywhere. Of course, since your new eco-friendly water bottle is re-usable, you won’t be leaving any unwanted material behind.

Another tip to remember is to replace your water filter every sixty days of use, or every forty gallons of filtered water. You will want to be sure that you are drinking the purest water that your eco-friendly water bottle is engineered to provide, and it can only be the purest if your water bottle filter is clean. Once you have started to use this type of water bottle you will notice that you are no longer purchasing those expensive bottles of water at the grocery store, or your local convenience store. In fact you may even notice that you don’t like the taste of the expensive bottled water that you have been purchasing for years. You are going to be saving money as well as natural resources.

When you are using your eco-friendly water bottle for biking, not only will you be assuring a refreshing drink along the trail, but you will also be ensuring that you will not be getting chlorine, lead, different chemicals and bad odors and flavors from your water. The filter included in the water bottle, will be removing all of these contaminates. So go on, enjoy your next bike ride, and know that you will be providing your body with the cleanest possible water for re-hydration available!

How To Make Great Compost

Recycling garden waste is good for you, your garden and the environment. What’s more, it’s a great way to have the last laugh on all those pesky weeds as you turn them into something really useful and by using Best Inexpensive Backpack Leaf Blower you can easily finish this process. Making compost is really easy, but for reliable results, you need to understand the ideas behind the process. Put simply, making compost is like making a cake – you need to have certain equipment, the right ingredients, the right amounts, and water to mix it through thoroughly (before you can bake it). The soil-borne micro-organisms will then do all the hard work for you. For a well-done compost, the ‘baking’ can take anything from a few months to a year, depending on the material you use, the time of year you start (rotting is quicker in summer than in winter) and the sort of compost you want at the end of the process. You need a bin, a variety of organic waste materials, and a little patience. A bin is essential to keep the material neat and tidy and to help retain moisture and heat. Choose one to suit the size of your garden. 

Ideally, it should be about 200 liters which hold sufficient material to compost efficiently. Smaller bins can work well but require more careful monitoring to keep the conditions right for decomposition. If your garden and household don’t produce enough organic waste to fill a bin of this size, try getting together with gardening friends and neighbors to produce a communal composting bin. Aim to fill your bin as quickly as possible, because the decomposition process won’t start really until the bin is full. In practice, most successful composters fill their bin in about a month. So, in a large garden, you may need two or more bins to recycle all your waste. To get quick decomposition you need to have the right ingredients in the right proportions. A balanced diet of dry fibrous material (such as shredded prunings, newspapers, or straw) and wet green material (such as grass clippings, discarded bedding, and weeds) is perfect. Yes, but all woody material needs to be chopped finely before it is added to the compost bin otherwise it will take longer to decompose than the other ingredients. The easiest way to chop it up is with a garden shredder, but if you have the patience you can get the same results with a pair of secateurs.

  • Meat
  • Fish
  • Fat Thorny pruning’s
  • Sawdust
  • Glossy magazine paper
  • Plastic-coated cardboard
  • Conifer and other evergreen material
  • Perennial weed roots
  • Flowering weedsProcessed food products can attract vermin, weed roots and seeds may spread around the garden, sawdust may contain toxins, and cardboard, woody, or evergreen material takes too long to rot down. Compost started in the autumn can be ready for spring planting, but most people usually leave their compost heap for a year. In ideal conditions during the summer, the compost bin you filled at the beginning of May will be ready to use by the end of July of the same year. The final compost bin filled during mid-summer should be ready to use in the autumn.

Mortgages – What is the Difference Between a Refi and a Loan Modification?

Mortgages – What is the Difference Between a Refi and a Loan Modification?

With mortgage loans, banking problems, and lack of stimulus funds reaching their intended targets, mortgage financing has been at the top of the news chain for months. One of the most common areas of confusion with all this is if a home owner wants to reduce his monthly mortgage payment, what exactly should he be looking for?

It boils down to the fact that right now there isn’t much difference at all between a refi(nance) and a loan modification for your mortgage.

Normally, when a home owner wants to refinance his current mortgage in order to take advantage of lower interest rates, it is done with a new lender. Not many lenders are interested in knowingly reducing their profit by agreeing to write a refinancing plan for their mortgage customers. (Yes, they understand that the customer will go somewhere but that’s why most mortgages include a prepayment penalty clause.) Some modifications can be done through the people for getting the mortgage loan as per the requirements. The planning should be done to apply for the loan amount at https://promogreenloansvip2.com/ site. The contract should be real and effective for the applicant to get the desired results without any problem. 

For homeowners who want to take advantage of some of the new modification programs available, you will most likely be dealing with your original lender because you are modifying your current terms in a unique way; something that you and the lender agree upon going forward.

In a situation where you would be seeking to refinance, you would be refinancing at the rates you qualify for by undergoing a new credit report check. You would also be required to pay any associated closing costs, obtain and pay for new home appraisal report, and may even be asked to reduce your debt by perhaps increasing your loan amount to pay off credit cards, etc.

A modification program typically doesn’t get involved in these areas. The lender only wants to know why you need help paying your mortgage. Your new “deal” will be based on factors such as whether you are already in default, and how close you are to foreclosure. The last thing the bank really wants to do is take possession of your house and go through the financial burden of holding it and reselling it. They’d rather have your money.

Home refinancing, however, is quickly becoming a lending industry dinosaur as housing prices continue to fall and owners are losing all their equity. Unless you’ve had your home for years, or you managed to put down a large down payment, chances of even qualifying for a refi are pretty slim.

Loan modifications don’t take your equity into consideration. The program was put into place simply to alleviate the stress of figuring out how to pay the mortgage each month.

There is, of course, a “catch 22”. Most home owners have been paying on time but have found it increasingly difficult. Many lenders don’t want to cut you any slack by negotiating a new repayment plan unless you’re in default. Why? Because they figure if you’ve been paying on time, why should they reduce their profit and increase their risk by lowering your payments?

So, unless you’ve already missed at least one payment, chances are you won’t even get the ear of a loan officer.