Ramtech to Offer Modular Buildings for West (TX) ISD School Rebuilding Work

Mansfield, TX (PRWEB) June 30, 2013

Commercial building firm Ramtech Building Systems of Mansfield, TX has announced that the business has secured a contract for the style, manufacture, and installation of 17 modular buildings totaling 69,776 square feet for the West Independent School District in West, TX. Ramtech will give three 10-classroom buildings, four computer and science labs, two locker space buildings, an administrative office, cafeteria, library, and a life schools building to be utilised by all grade levels as a replacement for the facilities damaged and destroyed by the massive fertilizer plant explosion that was situated near the District’s schools on April 17, 2013. All of the modular school buildings for the $ two.5 million project will be leased by means of the Texas BuyBoard cooperative acquiring network. West ISD at present has plans to use the replacement buildings for up to two years or till new permanent facilities can be constructed.

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The modular building project is portion of $ five.six million in disaster help offered by FEMA for infrastructure repairs and short-term classrooms. West ISD will also be getting donated transportable classrooms from other neighborhood college districts including Mansfield ISD, Grand Prairie ISD, and Temple ISD. Ramtech will supply the modular buildings and function together with Bartlett Cocke Basic Contractors, the construction manager, and Huckabee Architecture Engineering Management, the designer of record for the project. According to Gary White, Ramtech’s vice president of sales and estimating, All of the parties involved in this effort recognized that Ramtech was the 1 modular developing organization with the encounter and capacity to be able to deal with a project of this size this rapidly.” All of the modular buildings will be positioned on the existing site of the District’s middle school which will be demolished to offer space for all the facilities. Each and every of the buildings will utilize a 26 gauge R-panel metal exterior, whilst the interiors will incorporate vinyl covered gypsum on the walls and vinyl composition tile for the floors.

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About Ramtech Building Systems&#13

Given that 1982 Ramtech Constructing Systems has been providing revolutionary modular buildings for government agencies, healthcare providers, Fortune 500 firms, and educational institutions throughout the Southern United States. As a design-build building business, Ramtech offers full in-property design and style, a manufacturer direct solution, and complete site construction services all within a single-source resolution. The West ISD project will be developed and manufactured at Ramtechs Mansfield, TX headquarters, portion of a 20-acre improvement located in the southern part of the Dallas-Fort Worth Metroplex. Structured as a vertically integrated style-develop construction company, Ramtech supplies space organizing, design solutions, manufacturing, website construction and finish-out on every project they make. The firm maintains a constant workforce of production workers and supervisory personnel with an average of 13 years expertise, numerous with tenures more than 20 years. This knowledge, coupled with Ramtechs strategy to modular manufacturing and construction, allows for higher control at each step in the creating process resulting in important time and cash savings for their clientele. By emphasizing a value engineering approach, Ramtech has effectively completed over 3,000 diverse projects of all sizes. For a lot more information, pay a visit to the company’s internet site at ramtechmodular.com.

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EC-Council Continues Gallant Work to Ensure Cyber Security Training is Produced Affordable to All at TakeDownCon Huntsville: Instruction and Conference Event, July 11-16, 2013


Huntsville, AL (PRWEB) July 02, 2013

EC-Councils Rocket City TakeDownCon will not only provide the industrys best coaching to those who are seeking to enhance their cyber security savvy, but it will also provide the most affordability to these who have been hit by the sequester or other budgetary issues. Coming to Huntsville, Alabama this July, the Rocket City TakeDownCon offers EC-Councils flagship certification, the Certified Ethical Hacker, as nicely as their Computer Hacking Forensic Investigator and Certified Security Analyst for $ 2495. This price is currently the most value for the least investment on the market. Included in the value is the exam voucher, complimentary conference pass to attend the conference with notable addresses from speakers such as Adrian Crenshaw of IronGeek.com, breakfast and lunch for the duration of the class and conference, and now 6 nights of complimentary hotel stay at the Westin Huntsville.

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Advanced instruction classes are also obtainable at the TakeDownCon. These three-day courses range in topics from Advanced Penetration Testing, Mobile Hacking and Forensics, and Sophisticated Network Defense. When asked about the Sophisticated Network Defense (CAST 614), Kevin Cardwell, instructor/author says, This is a three-day extensive and fast paced course that will take the perspective of the hacker and use that as a foundation for defending against future attacks. It is surely exciting becoming on the offense, executing the actual hacking and penetration testing, but when it comes to reality, most of us have to play roles requiring a strong defense.

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The advanced education courses run $ 1999 and also consist of the complimentary conference pass, breakfast and lunch during the class, and conference and five nights of complimentary hotel remain.

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All courses presented at The Rocket City TakeDownCon come with Certificates of Attendance so that attendees can apply the event to their continuing education credits, essential to preserve up most certifications. Time spent at the conference outcomes in 1 continuing education credit per hour of attendance.

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To discover more about The Rocket City TakeDownCon and to register for the event, go to http://www.takedowncon.com/rocketcity.

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About TakeDownCon

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TakeDownCon is a highly technical forum that focuses on the most recent vulnerabilities, the most potent exploits, and the existing safety threats. World-class sector insiders come to share their expertise, giving delegates the opportunity to learn about the industrys most crucial issues. With two days and two dynamic tracks, delegates will spend Day 1 on the Attack, understanding how even the most protected systems can be breached. Day 2 is committed to Defense, and delegates will find out if their defense mechanisms are on par to thwart nefarious and persistent attacks. TakeDownCon offers the most sought after technical instruction and certification classes offered through Hacker Halted Academy by leading instruction companies and led by well-respected instructors

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About Dynetics

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Dynetics delivers the “Power of Solutions” to government and commercial customers in the locations of intelligence, missiles, aviation, cyber and space. Primarily based in Huntsville, Ala., with offices throughout the United States, Dynetics is a mid-tier company that provides total lifecycle analysis, engineering and hardware options to assistance consumer missions.

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For much more data, check out http://www.dynetics.com.

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About EC-Council

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The International Council of E-Commerce Consultants (EC-Council) is a member-based organization that certifies folks in various e-business and security skills. EC Council is the owner and developer of the planet-renowned E-Council Certified Ethical Hacker (CEH), Pc Hacking Forensics Investigator (CHFI), Certified Safety Analyst (ECSA), License Penetration Tester (LPT) applications, and a variety of other folks provided in over 60 nations about the globe. These certifications are recognized worldwide and have received endorsements from various government agencies including the US Federal Government via the Montgomery GI Bill, and the US Government National Security Agency (NSA) and the Committee on National Security Systems (CNSS) certifying EC-Councils Certified Ethical Hacking (CEH), Network Safety Administrator (ENSA), Laptop Hacking Forensics Investigator (CHFI), Disaster Recovery Professional (EDRP), Certified Security Analyst (E|CSA) and Licensed Penetration Tester (LPT) program for meeting the 4011, 4012, 4013A, 4014, 4015 and 4016 instruction standards for data security experts and most recently EC-Council has received accreditation from the American National Requirements Institute (ANSI).

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For a lot more info about EC-Council, please pay a visit to http://www.eccouncil.org.

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Advanta IRA Offers Client Referral Voucher in an Work to Educate Investors on the Rewards of Self-Directed IRAs


Largo, FL (PRWEB) July 02, 2013

As self-directed accounts become more popular, investors are realizing the value of getting in manage of their own investment choices. Self-directed IRAs allow a myriad of option investments such as real estate, notes, mortgages, tax certificates and liens, precious metals, private placements and a lot more. Investments are produced solely at the discretion of the account owner, and are primarily based on the account owners expertise and comfort level of each investment.

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“In an work to spread the word about how self-directed IRAs perform, Advanta IRA is supplying a client referral system. This program encourages current consumers to discuss the positive aspects of self-directing their IRAs and other accounts,” says Jack Callahan, Managing Partner of Advanta IRA Services out of Largo, Florida, and Advanta IRA Administration out of Atlanta, Georgia. Advanta IRA offers a client referral voucher redeemable by current consumers to offset administrative charges of their present IRA accounts with Advanta IRA. Clients who want to participate are provided vouchers and encouraged to discuss the advantages of self-directed IRAs to close friends and fellow investors. The client is to supply a voucher to people who are interested in self-directing their accounts. For every voucher that is presented by a new client who decides to join Advanta IRAs group, the existing client receives $ 50 off future administrative fees. If current clients refer sufficient new clientele to Advanta IRA, the administrative costs for existing consumers IRAs can be offset entirely the following yearmeaning, their IRAs might be administrated for free of charge. New customers who present this voucher are eligible for $ ten off their initial administrative charge.

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“This is just one particular a lot more way Advanta IRA strives to educate individuals on the advantages of self-directed IRAs,” says Callahan. For much more info, please contact our office and a single of our group members will answer all your inquiries.

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Guidelines and other critical information about our client referral program can be identified by visiting our website at http://www.advantaira.com. The downloadable voucher can also be viewed and printed from our internet site.

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About Advanta IRA

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Advanta IRA Solutions (Largo, Florida) and Advanta IRA Administration (Atlanta, Georgia) specialize in the administration of self-directed IRAs. Both areas are managed by Jack Callahan, JD, CFP. Self-directed accounts allow investors to select their own investments based on their knowledge of investment automobiles alternatively of relying on third parties to make investment choices for them. Advanta IRA is committed to educating customers in using self-directed IRAs to invest in option investments. In pursuit of diversity and manage of their own retirement funds, clients invest in a assortment of genuine estate assets such as rental properties, rehabs and raw land. Other investors use their IRAs as private lenders, securing loans with a mortgage, or to invest in assets such as tax alternatives and tax liens.

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Banks Are Willing To Work With Home owners, Says Law Group

Fort Lauderdale, FL (PRWEB) January 22, 2010

Home owners who are on the verge of facing foreclosures have hope in the type of house loan modification, say American Residential Law Group, the nation’s major loan modification attorney.

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American Residential Law Group is a law firm that advocates for Americans facing bankruptcy, foreclosure, and house mortgage loan modifications.

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“Mortgage businesses and banks are will to operate with home owners facing foreclosure,” says Joel Jacobi, founder and lead attorney for ARLG. “Foreclosure is quite costly to each the bank and the homeowner. No one wins. We perform to delay foreclosure, to renegotiate the mortgage with the bank, so that a homeowner can keep in its property and so that a bank doesn’t have the burden of however an additional foreclosed residence.”

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Jacobi’s law firm requires a exclusive strategy to these loan modifications. “Most loan modifyers had been former mortgage brokers,” he stated. “We are attorneys with 12 years experience protecting homeowners and have been never ever in the business of selling mortgages. Homeowners trust us for that really reason.”

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American Residential Law Group is a highly-regarded loan modification attorney that specializes in foreclosure prevention and litigation. It serves customers across the United States from its offices positioned in Fort Lauderdale, Florida. They can be reached by calling (877) 236-6576 or by visiting arlgnow.com

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HUD Grant Makes it possible for Chicagos John Marshall Law School to Continue Its Work on Educating Home owners and Lenders on Predatory Property Lending and Property Preservation

(PRWEB) June 27, 2012

A $ 97,133 grant from the U.S. Division of Housing and Urban Improvement is enabling The John Marshall Law College in Chicago to continue its Fair Lending/Property Preservation Project that trains students, attorneys and lenders on the rights of homeowners beneath the Fair Housing Act. The funding is extending the project for a 10th year.

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A system education John Marshall Law School students about predatory lending will be able to continue into its 10th year thanks to extended funding from the U.S. Department of Housing and Urban Development (HUD).

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The plan created and managed by The John Marshall Law College Fair Housing Legal Assistance Center works with law students and regional housing assistance organizations to give data that might help home owners avoid the pitfalls by way of the protection afforded them beneath the Fair Housing Act.

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The newest HUD grant of $ 97,133 was announced May 17, 2012, said Professor Michael Seng, co-director of the Center.

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It is unfortunate that the problems of predatory lending havent lessened, but by means of our program we are instruction students to be knowledgeable advocates for these who uncover themselves taken benefit of, Seng stated. Obtaining the continued assistance of HUD, as nicely as the City of Chicago and the Department of Community Improvement is producing a distinction for our students, and in turn those who want legal suggestions.

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Seng established a predatory lending system in 2003 in conjunction with Higher Southwest Neighborhood Development when its leaders saw an uptick of poor loans being written for Chicagos Southwest neighborhood housing. Numerous residents located themselves in default, and the development leaders asked Seng for assistance.

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From that 1st initiative, Seng created a Predatory Residence Lending Law class in 2003 for John Marshall students. Considering that then more than 225 students have taken the class to find out the legal ramifications of the predatory lending concern and operate on neighborhood outreach.

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The program continued to develop and today, as the Fair Lending/Property Preservation Project, it includes the classroom component and hands-on training for students so they can determine predatory lending issues. The students function to aid with loan modification applications, help counselors with reviewing modification packages, and inform homeowners of cost-free solutions accessible by means of counseling agencies. Students review home owners economic and house documents alongside housing counselors.

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The HUD grant is enabling John Marshall to:&#13

Do Loan Modifications Really Work?

Mission Viejo, CA (PRWEB) June 24, 2009

Fitch Ratings has place out a report examining the effectiveness of loan modifications in terms of maintaining home owners out of foreclosure. Their findings make the initial reports of enormous failure prices appear like the excellent old days. Reports that had come out earlier in year identified that fifty percent of modifications accomplished in the first half of 2008 had gone back into default by year-end. The new study by Fitch estimates that amongst 65% and 75% of modified subprime loans will turn out to be 60-days or far more delinquent once more within a year of the loan modification.

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Modifications can combine reduce interest rates, maturity date extensions, altering from adjustable to fixed interest prices, and the reduction of principle. Of the 4, principle reductions are statistically the best way to guarantee the lengthy term accomplishment of a loan modification. According to LPS Applied Analytics, modifications that incorporated principle reductions have a 25% reduce re-fault price than those without having a reduction.

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Fitch’s numbers concurred with these numbers, locating that modifications with principle reductions had a 40% to 50% opportunity of a re-fault. Not surprisingly, Fitch discovered that modifications exactly where loan principle was enhanced due to missed payments and penalties being added to the backend of the loan had a re-fault price of 60% to 70%

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At problem is regardless of whether home owners going it alone in negotiations with lenders are obtaining enough in the way of concessions to make their modifications sustainable. The do it yourself modification usually takes into account only the home owners earnings in relation to a modified payment. Lenders, who are attempting to mitigate their own losses for the duration of the negotiation process, aren’t volunteering to give more than what the homeowner is negotiating for in the course of the method so the modification ends up purchasing time but not significantly else. Added customer debt and other expenses are usually not factored in to the negotiations leaving the homeowner with a continuing month-to-month payment deficit which then leads to re-default.

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One answer to this difficulty is for the homeowner to retain professional counsel to both analyze the total financial picture and to negotiate the modification according to what is going to function inside the specific situations of the homeowner. The objectivity and encounter of a skilled negotiator will undoubtedly yield much better a greater outcome for the loan modification, which in turn will result in a sustainable monthly payment.

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A Loan Modification/ Debt Settlement Case Study by the Feldman Law Center

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Loan modifications and debt settlements are typically believed of as separate processes with no any crossover values when, in fact, coordinating the two activities can have some major advantages. Don and Shannon R. (names changed) are Feldman Law Center customers that lately synchronized their loan modification and debt settlement for maximum outcomes.

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Beginning 15 years ago with a tiny investment, Don and Shannon had constructed their manufacturing enterprise into a huge success. The money permitted Shannon to stay house to raise their six year old son, paid for household vacations, and gave them the opportunity to construct their dream house which they planned to live in for the rest of their lives. As the economy started slowing, so did the enterprise for their manufacturing firm. Compounding the issue, the interest rate on their mortgage began ticking higher, adding hundreds of dollars to their monthly payment.

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Not wanting to lay off staff that had worked for the organization given that its beginning, Don first reduce his salary then, as organization continued to slow down, stopped taking his salary altogether. They could reside off of their savings for a even though, but their month-to-month overhead as effectively money owed to their general contractor for the completion of their house would deplete the account inside a handful of months. Needing to tap the equity in their property, they had it appraised in preparation to apply for a property equity line or a second mortgage. The appraisal came back with negative news there would not be enough equity in the house to get approved for either one.

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With no other alternatives, Don and Shannon would have to use credit cards to cover their monthly deficit until enterprise picked up once more. There have been and handful of sizeable orders that had been pushed back by a quarter or two. If even a couple of the orders came via, Don could catch up on his personal back spend and, in turn, spend down the accumulating debt balance on the credit cards they were living on. It would be a matter of a couple months, which they both felt confident about obtaining via.

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Months passed and the orders they have been counting on in no way materialized. Their credit card balances had grown to a point exactly where sustaining payments to their creditors and the mortgage would be impossible. Following missing their initial mortgage payment, Don and Shannon referred to as The Feldman Law Center to see if they could get their mortgage modified from an adjustable to a fixed with a reduce interest rate.

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At their initial consultation, their financial assessment revealed the challenges they were possessing with their credit cards in addition to the mortgage. Their consultant, seeing an opportunity to save Don and Shannon thousands of dollars per month suggested that they commence their loan modification combined with a debt settlement instantly, to which Don and Shannon agreed.

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They initiated the debt settlement procedure and decreased their payment by a total of 47% instantly. Four and a half months later their loan modification was completed. Here’s a summary of their savings with a combined loan modification and settlement:

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Don and Shannon credit card payments before they started their debt settlement totaled about $ three,800 per month. Beginning the debt settlement process reduce their payment to $ 2,014, a savings of $ 1,786 per month. Furthermore, they will be credit card debt free of charge 48 months from starting the plan.

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Their loan modification with GMAC resulted in their mortgage interest dropping from 7.two% to 4.45%, saving them $ 1,270 per month for the subsequent 5 years. Their interest price becomes adjustable at that point but they will no longer be generating credit card payments due to the completion of their debt settlement.

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Their total combined savings from the combination of their loan modification and debt settlement is more than $ three,000 per month. Their savings more than the subsequent five years will total more than $ 150,000

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Right after initiating their loan modification and debt settlement, Don and Shannon were capable to sell a part of their company to another manufacturer, saving overhead and allowing Don to resume taking his salary, even though at a reduced level. Even with his reduce in salary their month-to-month price range covers their payments due to the thousands they saved on their mortgage and credit card payments. They credit The Feldman Law Center, not only for saving them thousands of dollars but with giving them their lives back.

Apollo Financial Group Shows How Principal Forgiveness Can Work for Fannie Mae

Miami,FL (PRWEB) May 15, 2013

Distressed debt investment experts, Apollo Financial Group demonstrate how Congressional Budget Office plan to cut home loan balances could work for Fannie Mae and Freddie Mac.

Apollo has been purchasing, selling and modifying distressed mortgage debt, creating win-win solutions for parties on both sides of the issue, and generating attractive yields for investors, while helping to ease the current burden facing U.S. taxpayers.

New debates are being fueled by the May 2013 release of a new Congressional Budget Office (CBO) report supporting the Treasury Departments push to force Fannie Mae and Freddie Mac to embrace principal forgiveness for home loan borrowers. The Federal Housing Finance Agency (FHFA) that regulates Fannie and Freddie has so far resisted the move, but this could change with President Obamas nomination of Rep. Mel Watt as the new head of the agency.

Coverage of the debate on the Wall Street Journal blog on May 6th, 2013 highlights the FHFA stance, whom has repeatedly argued that principal reduction of mortgage balances does not justify the costs and promotes moral hazard; encouraging more borrowers to strategically default on their loans.

Backing up the Treasurys proposed program, the CBO report identified significant government savings from allowing principal reduction on Fannie Mae and Freddie Mac loans. Depending on the exact execution of the initiative the report estimates the government could save almost $ 3 billion.

Government savings in the billions of dollars range could clearly provide significant potential relief for taxpayers as it trickles down and reduces the need to raise taxes further.

While the debates rage and decisions continue to be delayed New York based, Apollo Financial Group has already been proving that principal reduction can work for both note holder and borrower. As a substantial buyer of non-performing notes, Apollo makes it work as the note holder by working out favorable outcomes with homeowners to resolve the default. Spokesman for the Wall Street distressed debt investment, Dean Anastos says the companys proprietary model has proven extremely beneficial for all involved, while delivering superior returns to investors.

In fact, homeowners enjoy double tax benefits from this form of resolution. Not only does the government avoid major losses that would need to be padded by increased taxes, but the individual borrowers involved dodge huge personal tax bills by accepting loan modifications with principal reductions prior to the expiration of the Mortgage Debt Forgiveness Act.

On the flip side Apollo also empowers investors to achieve attractive yields, fuel wealth building and help the wider economy by alleviating the burden on tax payers, by becoming distressed debt note buyers themselves and tapping into the channels and relationships the firm has developed. Some of the recent media coverage of the firms progress can be seen in this video.

Those interested in finding out more about how note buying works and how principal reductions can be profitable for note holders will find more information on Apollo Financial Groups website http://apollofinancialgrp.com, where dates and locations of upcoming live educational events on the subject can also be found.







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