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Attention Customer Service: Subject: [Your loan number] [Names on loan documents] [Property and/or mailing address] This is a "qualified written request" under Section 6 of the Real Estate Settlement Procedures Act (RESPA). I am writing because: RESPA Sample Written Complaint to Lender Letter RESPA Sample Written Complaint to Lender Letter
Infographic: How Much Do People Spend On Coffee, Lunch and Gas for Work? - Personal Finance Whiz I’m sure you’ve heard before how quickly things like coffee and lunch can add up if you’re buying them every day. Anecdotally, I’ve talked to a number of people who are making coffee at home and are bringing leftovers for lunch to save money. However, according to this year’s Accounting Principal’s Workonomix Survey, there are still plenty of people that are spending bucket loads of cash buying coffee and lunch every day. Half of the American work force chooses to buy coffee every day and over 50% of people who buy coffee are spending more than $20 per week – over $1,000 per year. Nearly a quarter of the people surveyed prefer to dine out for lunch, spending $37 per week on average – or almost $2,000 per year. Here’s a neat infographic that lays out some of the findings (click for full size image): Infographic: How Much Do People Spend On Coffee, Lunch and Gas for Work? - Personal Finance Whiz
70 Super Easy and Practical Ways to Save Money
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How to Sell Your House Quickly There aren’t many (any?) reasons I can think of where as a person selling your house you wouldn’t want to sell your house quickly. Real estate statistics show that the peak interest in a house on the market falls between weeks 3 and 5 and after this time a listing starts to become “stale” and interest in the property will steadily decrease. Last summer while we were buying a home together we had not yet put our house on the market. How to Sell Your House Quickly
What is a Qualified Written Request? What is a QWR? - Consumer Financial Protection Bureau A Qualified Written Request (QWR) is written correspondence that you or someone acting on your behalf can send to your servicer to ask for information relating to the servicing of your loan or to dispute errors about your loan account. Your request must: Be made on its own, so do not write your question on your payment coupon or mortgage statementInclude or provide enough information for the servicer to identify the name and account of the borrowerContain a statement of the reasons you believe that the servicer has made an error with respect to your account or contain a detailed explanation as to other information relating to the servicing of the loan that you are requesting. The U.S. Department of Urban Housing and Development (HUD) provides a sample QWR on its website that you can follow. What is a Qualified Written Request? What is a QWR? - Consumer Financial Protection Bureau
(Photo: watz) If you’re a white-collar worker, hacking your body isn’t limited to the gym. In fact, what you do outside of the gym might be more important that what you do inside the gym. Recent research suggests that those who sit from 9-5 (more than 6 hours daily) and exercise regularly are more likely to have heart disease than those who sit less than 3 hours per day and don’t “exercise” at all. ff Venture Capital, a New York early-stage technology venture capital fund, recently moved into a new NYC location, and they’ve documented their experiments and findings in rethinking the office for physical optimization. Reinventing the Office: How to Lose Fat and Increase Productivity at Work Reinventing the Office: How to Lose Fat and Increase Productivity at Work
RESPA Sample Written Complaint to Lender Letter The following is a sample qualified written request from you, the borrower, to a lender. Use this format to address complaints under the Real Estate Settlement Procedures Act (RESPA). Be sure to read more about RESPA, and your rights under this Act, elsewhere on the RESPA site. Attention Customer Service: Subject: [Your loan number] [Names on loan documents] [Property and/or mailing address] RESPA Sample Written Complaint to Lender Letter
7th Annual HOC Forum Materials
INFOGRAPHIC: HR Must Embrace Social INFOGRAPHIC: HR Must Embrace Social Like it or not, Facebook is becoming a huge part of online users lives, but not if offline companies have anything to do with it. It seems that, at every turn, companies are doing their level best to block access to Facebook and other social media sites to employees at work, even though there are compelling reasons why they should do the exact opposite. This is the subject of today’s infographic, which examines how companies seem to be obsessed with finding out what their employees are saying on their private Facebook accounts, while at the same time doing everything they can to stop those same employees from accessing social media while at work. I’m lucky in that I am self-employed so I can go on Facebook anytime I want, so I can’t claim to know what it is like to be barred from the Internet while at work.
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As you know, I have pretty strong views on buying property. As a first-time house buyer, it’s the most complicated purchase you’ll make, so it pays to understand everything about it beforehand. I’ve collected a few tips on real estate that will make you smarter than 99% of people, and save you thousands of dollars. And for would-be investors, there’s a seven-part guide to real estate basics. House-buying articles from I Will Teach You To Be Rich My friend was about to buy a million-dollar house with no research. Buying a House | I Will Teach You To Be Rich Buying a House | I Will Teach You To Be Rich
Richland County |  Richland County Resource Directory
HARP_release_102411_Final.pdf (application/pdf Object)
Community Action Agency Program Management Staff Directory - 2010.pdf (application/pdf Object)
LawrenceSavesDesignTeamFinalRepor3.14.11.pdf (application/pdf Object)
Southwest Wisconsin Community Action Program | SWCAP | LIFT Program | Southwest Wisconsin Transit Southwest Wisconsin Community Action Program | SWCAP | LIFT Program | Southwest Wisconsin Transit Southwest Wisconsin Community Action Program Website: www.swcap.org LIFT: Ride Referral and Transportation Coordination (http://www.swt-lift.org) Contact Number: 1-877-SWT-LIFT (1-877-798-5438)
HARP refi » How an underwater homeowner got a refinanceA HARP refi isn't always fast and easy. Ask Joseph DeLucia, who got a mortgage refinance under the Home Affordable Refinance Program. From application to closing, the process took six months.His refinance rate is a lot lower than the rate on his original mortgage, and the payment is $300 per month less. How an underwater homeowner got a refinance How an underwater homeowner got a refinance
The Land Information Office (LIO) was established as part of the statewide Wisconsin Land Information Program (WLIP). The WLIP provides coordination and funding to support Wisconsin local government land records modernization efforts. Our goals are to coordinate the modernization of land records and to maximize the effective development, maintenance, and use of shared geographic and land information system resources throughout Richland County. Home » Richland County Land Information Office
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Wisconsin Department of Financial Institutions Your Rights and Responsibilities (The following is a DFI Your Money Matters program brochure reproduction) Being contacted by someone who wants to collect a debt can be upsetting.
Dane County Foreclosure Prevention Taskforce » Resources - Addressing foreclosure in Dane County through prevention, intervention and stabilization
Iowa County Offices - Southwestern Wisconsin Community Action Program
Debt Collection - Wisconsin State Law Library
Debt collection statute of limitations listed by state
Credit / Debt - Wisconsin State Law Library
Statutes Home Page - Legislative Reference Bureau
Wisconsin Statutes of Limitations
Legal Action of Wisconsin Consumer Law Publication
IMPak - Find An Attorney
Financial Coaching Strategies
Institute For Financial Literacy ®Home
NPQ – Nonprofit Quarterly - Promoting an active an engaged democracy.
National Foundation for Credit Counseling
Foreclosure Prevention
Home Foreclosure and Debt Cancellation
Scam Watch - Money Matters from the Federal Trade Commission
Debt Collection FAQs: A Guide for Consumers
HOPE NOW - Support and Guidance for Homeowners
HOPE NOW - Support and Guidance for Homeowners
HOPE NOW - Support and Guidance for Homeowners
What to Research Before Buying a House
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Wisconsin Department of Financial Institutions
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