7 Tips to Help You Avoid Foreclosure
Oct12

7 Tips to Help You Avoid Foreclosure

Facing foreclosure can be a scary time. Sometimes missing payments is unavoidable, but to avoid losing your home, there are certain actions you should be taking. Not sure where to start? Fortunately, this article takes a look at a few of the steps you can take to ensure the best outcome of your financial situation. Ensure you receive the proper loan in the first place. One of the reasons homeowners lose their homes is because they were given an unaffordable loan in the first place. Make sure you fully understand the terms of your loan and can actually afford it. Get rid of luxuries. If you’re struggling to make payments, getting rid of things like cable and other unnecessary subscriptions will help you come up with some extra cash. Making sacrifices will show servicers you’re really making an effort to make ends meet. Get a detailed record of your expenses. Keep all pay stubs, tax returns, receipts for large purchases, and benefit statements. You’ll need to show an accounting of your expenses to the bank. Do your research and look into various mortgage workouts. If you qualify, refinancing into a longer mortgage with a lower rate would be the best option. Unfortunately, some people may not be able to afford the fees required to do this. You could also consider a loan modification, in which a lender lowers the interest rate and lengthens the payment schedule. Make sure your home is worth saving. If you have extra mortgages and home equity lines of credit, restructering your mortgage might make your payments more than your home is actually worth. If you owe more than your home is worth, it may be time to consider selling. This is an option that would allow you to salvage your credit and allow you to move on with your life without being evicted from your home. Consult an expert. Consulting a housing expert or a lawyer will ensure you take the necessary steps to avoid losing your home. They work with thousands of homeowners every year to reduce the all too common situation of foreclosures. In fact, in 2013, one in every 96 homes reported at least one foreclosure filing. The job of a housing expert or a lawyer is to do everything they can to help a homeowner choose the best option for their personal housing situation. Put your home on the market as soon as possible. If you do decide selling is the best option for you, find a credible real estate agent to help you sell your home as quickly as possible. The sooner you sell your home, the less damage...

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Male Stars And Botox: Beckham Denies It, Sanders Tears Down Stereotypes
Oct09

Male Stars And Botox: Beckham Denies It, Sanders Tears Down Stereotypes

David Beckham is known for his skills on the soccer field, his marriage with Posh Spice herself, and, most of all, his classic good looks. So, when a fan accused him of getting Botox, he reaffirmed that his youthful glow was au naturel. Refinery29 reports that the former footballer was attending wife Victoria Beckham’s fashion show during New York City Fashion week when he was photographed in his usual dapper form. British Vogue shared the photo on Instagram, and one fan decided to comment on his skin: “Botox looks good on David!” Instagram user @stasdoeshair wrote in the comment section. And Beckham wasted no time posting a response: “I don’t agree with Botox miss @stasdoeshair but I’ll take it as a compliment.” Having been voted “Sexiest Man Alive” by People in 2015, the 42-year-old star is apparently committed to avoiding cosmetic surgery. Not that there is anything wrong with Botox. In fact, another retired sports star is endorsing the product, which remains the most popular procedure for women over 35. BET reports that ex-NFL player Deion Sanders is tearing down any negative connotations and masculine stereotypes by speaking out about his experience with Botox. “Fifty is the new 21,” Deion said in a statement, according to BET. “I feel young, I feel very energetic, I feel like taking on the world. I feel like challenging people to work out, to live right, to eat healthy, to make the proper decisions in life. I really feel good. I am in a really good place in life.” He also told BET that he is proud to pioneer the end of the Botox stigma and will even be serving as a Botox Cosmetic “There are a lot of things that I have been the forerunner of,” he said. “So, I had never played football and baseball in the same day, so I did that. So, I don’t mind being a leader when it comes to this because it really helps. I feel like I look good, and I feel...

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Widely Criticized AI Study Claims To Predict Sexual Orientation
Oct02

Widely Criticized AI Study Claims To Predict Sexual Orientation

A new study out of Stanford University suggests that artificial intelligence (AI) can accurately determine someone’s sexual orientation based on their face. CNBC reports that the machine intelligence analyzed dating profile photos. The AI was able to distinguish between heterosexual and homosexual men 81% of the time and 74% among women. By contrast, humans were able to guess correctly 61% of the time for men and 54% for women. According to the study, gay men and women usually had “gender-atypical” facial features. CNBC reports that the researchers suggest that sexual orientation is largely determined by hormones at birth and that female sexuality exists on a more fluid spectrum. There is no doubt that rends in technology have drive our modern digital landscape. About 82% of companies report saving money by switching to cloud computing, virtual reality is creeping into multiple industries, and artificial intelligence has also shown some promise. But many LQBTQA+ advocates say that this use of AI will surely breed discrimination and harm to queer individuals. “Imagine for a moment the potential consequences if this flawed research were used to support a brutal regime’s efforts to identify and/or persecute people they believed to be gay,” Ashland Johnson, director of public education and research for Human Rights Campaign, said in a statement, according to The Guardian . “Stanford should distance itself from such junk science rather than lending its name and credibility to research that is dangerously flawed and leaves the world – and this case, millions of people’s lives – worse and less safe than before.” Michal Kosinski, co-author of the study and Standford professor, said in a statement to The Guardian that is is his role to release the research, without taking opinions into consideration. “One of my obligations as a scientist is that if I know something that can potentially protect people from falling prey to such risks, I should publish it,” he said. “Rejecting the results because you don’t agree with them on an ideological level…you might be harming the very people that you care about.” Advocacy groups and critics also pointed out that the study did not use a diverse pool of subjects, since most of the profiles belonged to white people. According to The Guardian, the researchers also received criticism for only considering the photos that people chose to display on dating profiles. In response to these comments, Kosinski said that he hopes that another researcher picks up the study and proves it incorrect. “I hope that someone will go and fail to replicate this study,” he said in a statement to The Guardian. “I would be the happiest person in the world if I was...

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