Bankruptcy New

By Dennis Lambert

 Everyone knows that Cuban cigars are the most coveted cigars, renown worldwide for their smoothness and rich flavors. Indeed, Cuban cigars are so prized that many illegitimate dealers have been known to sell fake Cubans to unsuspecting cigar smokers. How do you tell if what you have is a fake or the real thing? First, make certain that you purchase your cigars from a legitimate dealer. Buying from your local tobacconist or a reputable mail order business can protect you from forking your money over for a box of fake cigars.

If you have an opportunity to purchase a box of purported Cuban cigars, but have your doubts, take the time to examine the box before purchasing it. Here are a few tips to help you spot the fakes from the real thing.

The most important thing to examine is the box. Authentic Cuban cigars will contain a green and white warranty seal on the left front side of the box. The seal will contain an insignia that has a picture of a shield and a hat. On the upper right hand corner of the box, you should find a white sticker that is placed diagonally with the word ‘Habanos’ printed on it. The overall appearance of the box should be neat and clean. If the box appears damaged, smudged, frayed, or marked, avoid it. If the color of the box is dull, don’t buy it. Even if the cigars are the real things, their quality may have suffered in transport. If you are in the market for Cohiba, Trinidad, or Q’dorsay brand cigars, know that all authentic Cohiba’s will contain the green and white warranty seal on the right hand side of the box.

On the bottom of the box of cigars, you should find a heat stamp with the words ‘Habanos.’ The heat stamp should be impressed onto the bottom of the box. Fake Cuban cigar boxes often find other ways to imprint this label, such as using rubber stamps or paper labels. You should also find a factory code stamp at the bottom that is stamped in green, blue or black ink. This stamp will tell you when and where the cigars were rolled.

If you can open the box, take the time to smell the tobacco. Cuban cigars will have a deep, rich aroma, unmistakable to dedicated cigar aficionados. If the smell is off, or very weak, chances are you do not have a box of authentic Cuban cigars in your hands. The cigars should be facing the same way, and the top row may appear slightly flattened. The caps on all the cigars should appear identical, and the foot of each cigar should be cut clean. The bands on all the cigars should also be identical, and should be arranged so that they face the same direction. If allowed, test the cigars out by pressing down on them. Feel along the entire length of each cigar, checking for soft or hard spots. The cigars should feel firm yet pliable.

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Find The Answers On Banruptcy And Get The Best Advice

Help in struggling homeowners through the process of negotiating a loan modification

By akhileshsharma

 If you are struggling to make your monthly payments, it is a relief to learn about the possibility of a loan modification. It is a terrible feeling to live in fear of defaulting on your mortgage and losing your house to foreclosure. A loan modification might be just what you need, and if so, you have to learn what to do to reach a modification agreement.

The first thing you need to do is contact a qualified financial advisor. There are two ways to do this, either from a HUD-approved note for profit group or from a professional loan modification company. You could try to complete the process all on your own, but you will have more success if you use a third party, who not only help you through the process but will also advocate for you as well.

You will discuss your financial situation with your counselor, review all your options and decide what is the best thing for you to do. If a loan modification is your best option, you will be asked to write a loan modification hardship letter. This is sent to your lender and it outlines the reasons for your hardship and why it is important you receive a loan modification in order to keep your home.

After your meeting is over, your counselor will forward your hardship letter and all the necessary paperwork to your lender. These two pieces of information will determine if you are going to be able to modify your loan. Your lender will read the letter to decide if you are serious about paying the modified loan and they will review your financial documents to see if a modification is a good option in your situation.

Many lenders now offer different types of loan modification programs and there is a government program that allows lenders to modify loans by lowering interest rates. Generally, lenders are looking for what is known as a ‘debt-to-income’ ratio. This is the percentage of your income that goes to paying your mortgage. If your mortgage can be modified so that your debt-to-income ratio is somewhere between 34% to 45%, most lenders will consider working on a loan modification with you.

The best thing you can do to avoid foreclosure and negotiate a loan modification is to take action as soon as you realize that you are going to have trouble paying your monthly mortgage bill. With each passing month, your options lessen.

This article is meant to help struggling homeowners through the process of negotiating a loan modification. If you being working as soon as trouble starts and your know what you need to do, you can avoid having your home foreclosed.

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