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42Search engine optimization is getting more and more difficult by the day. The search engines are evolving at an incredible speed, making it harder for us SEOs to rank our websites highly.With that said, there are a few tried and true principles that we need to do when optimizing our website. The first of which, and the one that I always tell people to concentrate on is getting quality, 1 way links pointing to your website.The more quality links you can get pointing to your website, the higher you will rank, period. While there are many black hat tricks and tactics that you can do for short term gain, I would suggest NOT spending your time on those things. I would focus my entire effort on figuring out how to get other websites to link to yours without you linking back to them. That is the biggest key to ranking well in Google, Yahoo, and MSN.Doing this is easier said that done. One of the easiest known ways to get quality, one way links is by finding website directories and then submitting your website to them. This can be a very tedious process, but always a very rewarding process at the same time. You can either submit your articles to these directories manually, pay someone to do it for you, OR you can use one of the article directory submission programs out there. The best program for the money that we've found is a program called "Article Submitter" created my internet marketing expert, Brad Callen.This program allows you to submit your articles to over 700 article directories and can save you an incredible amount of time in doing so. You simply enter your article details into the software once, and then select the directory you would like to submit to. The software will then, automatically fill in all of the submission criteria for each directory and allow you to quickly submit your articles.Not only does this save you time in submitting your articles, but it saves you an incredible amount of time in just finding these free directories online. I highly suggest grabbing an article submission program if you decide to take advantage of one of the easist ways to get quality, 1 way links to your website. You can learn more about Article Submitter and how you can download your FREE copy here: Download Free Article submitter NowAll the best,- Your Name
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Obama Loan Modification – House Payment over 31% of your income
Here is a foreclosure hardship letter due to loss of income and the resulting house payments exceeding 31% of their gross income. This hardship letter comes from www.hardshipletters.net where Mark Golden has over 30 of his personally written hardship letters available for free!
We just received a loan modification on our first mortgage loan. They changed our loan from an interest only ARM _____% to a Fixed mortgage at _____%. We would like to request that you lower the interest rate on our second mortgage, too, because the rate is extremely high, at_____%.
Loss Mitigation Department
EMC MortgageP.O. Box 660753
Dallas, TX 75266-0753
To Whom It May Concern:
Re: Request for Loan Modification at _______
Loan Number: _______
We are writing to request that you work with us to modify our second mortgage loan and lower our interest rate. We have owned this home for three years and ten months and we very much want to work with you to keep our home.
Hardship:
We just received a loan modification on our first mortgage loan. They changed our loan from an interest only ARM _____% to a Fixed mortgage at _____%. We would like to request that you lower the interest rate on our second mortgage, too, because the rate is extremely high, at _____%.
My husband’s company has recently informed him that they will be eliminating overtime hours entirely next year because of the economy. Without these hours, we already are and will be struggling financially. In addition, the value of our house has decreased dramatically because of the poor housing market, making refinancing a challenge. After consulting a realtor, we have discovered that we currently owe much more on the home than it is worth in the real estate market.
Our current debt-to-income ratio is _____%, which is clearly not sustainable.
Status of payments/ Ability to pay going forward:
We are current on our payments, but we want to do everything we can to insure timely and consistent payments in the future by asking you to lower our interest rate.
We have carefully examined our budget and cut out all unnecessary expenditures. We have paid off one of our credit cards entirely and are proactively working on the other two. We even have a set financial plan and timeline for paying these off, which will further free up our ability to make our payments. In addition, I ____ am looking for a second job to help supplement more income.
Request:
Due to impending loss of income and financial stressors, we are requesting that you work with us to lower our interest rate, as ____% is relatively high. Ideally, we would like our monthly payments to be around $____or less, including taxes, insurance, etc. We have meticulously reviewed our budget in order to come to this payment amount. After a much-needed reduction to our mortgage payment, we feel confident that our situation will continue to improve and that we will be able to reliably make the payments on our
home. We are hard-working, responsible home-owners, and want nothing but to keep our home.
We very much appreciate your consideration of our request. Our contact information is below. Please let us know what further information you need and we will promptly provide it.
Thank you very much for your time.