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When I was a new Labor and Delivery nurse, I was shocked to learn of the number of labor inductions scheduled at year’s end for the sole purpose of saving a family money on their IRS return.
Yet for the seasoned Labor and Delivery nurse, this is simply an occurrence that happens and is apart of the territory.
This is one of the many practices that take place in Obstetrics, and is just another Ho-Hum addition to the growing number of unquestioned conventions in the American practice of medicine.
As an example, the fact that health care practitioners don’t seem to question and are indeed apathetic to the Health Insurance Industry control of medical practice; or the fact that 50 million people don’t have health insurance in this country; or that in five years, health insurance won’t cover people at all and everyone will be paying out of pocket for medical care, with health insurance companies still exerting all of its control, denying claims and care.
But I digress.
The modern world has created a society where people look to convenience and choice as opposed to the natural harmony and synchronization of mother, placenta and fetus doing their magic to create the birth of a healthy baby.
While I accept what a parent chooses in all matters, and serve their hopes, wishes and dreams, my job is to look at the risks and benefits of theses choices and help guide where ever I can.
The practice of timing tax deductions by inducing labor or scheduling Cesarean deliveries may put mother and child at risk, in some cases, life threatening risk.
One Australian study estimates that 12 percent of births are scheduled to take advantage of a cash bonus offered to parents on or after July 1.
Late in the 1990’s, a new tax credit was introduced in the United States for babies born on or before 12/31.
This year the grand total a person is eligible to receive is $3800.00.
Researchers estimate that this tax law increases the probability that parents with babies with due dates in early January bump the date of delivery to the end of December by a rate of 26.9 percent.
This trend continues to this day with more and more babies born when it’s convenient for the parents, and the tax code.
Parents need to know that what appears to be a financially prudent decision may have costs that no one is emphasizing loud enough.
The birth process is speeded up with Pitocin (a synthetic form of Oxytocin, the natural hormone that stimulates the onset of labor) or other labor inducing drugs, causing the onset of heavy painful contractions. This in turn often leads to the patient requesting an epidural, which may slow down contractions thus causing the need for more pitocin to speed up the process of labor.
These drugs, like all drugs, transfers to the placenta and the baby, often causing fetal distress in the form of a drop in the fetal heart rate, lower apgar scores, neonatal jaundice, respiratory disorders, and other complications, all signaling what I call a traumatic birth.
Granted, birth is a traumatic event under normal circumstances. But the conditions I’ve just described are becoming more the norm.
Natural childbirth is a rarity.
The World Health Organization and the United States Department of Health and Human Services as well as other service organizations, through the Healthy People 2010 Project, seek to reduce the number of Primary Cesarean Sections performed in the US to 15% or less by the year 2010.
Women: You need to know that you can take an active role in deciding exactly what you want for your birthing experience.
Tax codes, doctors, nurses or midwives are not the authorities in your life.
You are.
If you truly want to time your birth in order to get a tax break in this fragile economy, and the temptation is real, then do it and we will help you achieve an optimal outcome.
But please know that the birth of your child is one of the peak experiences of your life time.
Make that the focus of your attention.
Allow the ways of the world to recede.
Because they will return again, soon enough.
Kate Loving Shenk
http://www.articlesbase.com/law-articles/tax-exemptions-and-the-new-born-704825.html
People with credit problems often ask me when it comes to improving their credit score whether they should hire a credit repair company or do it themselves? Unfortunately, there is no simple or universal answer to this question. However, I will shed some light on the subject if you’re in need of a little enlightenment.
According to the Federal Trade Commission (FTC) “Everything a credit repair clinic can do for you legally you can do for yourself at little or no cost”. While I agree with the FTC I also understand some consumers do not have the time, patience (or knowledge) to do the work themselves and the thought of “drive-thru-we-do-it-all-for-you-credit-repair” becomes very appealing. After all, everything a mobile oil change service can do for me I can also do myself at little or no cost (but you won’t find me changing the oil in my car this weekend!).
Although some things are better done yourself, only you can determine if doing your own credit restoration work will be one of them. This is why understanding both the advantages and limitations of a credit repair company and the structure from which it operates are VERY important.
REFERENCES: Any legitimate company or individual doing credit restoration work for consumers will be able to provide you with at least half a dozen references. If the company or person is local you should be able to call these references. This is without question the most important point of consideration when hiring a professional to do the work for you.
If possible, I suggest you ask friends, family, relatives and professional contacts if they know of someone who does credit restoration work as a side business. By far the highest percentage of successful stories I hear from consumers are those which come from those who found a credit consultant via personal referral. I cannot stress this enough. It’s the difference between going on a vacation with a close friend instead of a stranger.
CONTRACT: Unlike painting a house or putting in a driveway, credit restoration work (and results) are extremely broad. Therefore, the use of a contract is imperative. Most likely your credit challenges didn’t occur overnight and they won’t be improved overnight either. A good contract protects you as well as the service provider. The contract should be easy to understand without an Attorney and spell out the actual services which will be rendered as well as the service providers’ limitations (i.e. they cannot guarantee the removal of any one particular item but can guarantee an overall increase in score overtime).
MONTHLY FEE: One of the most critical elements which affects “how” a credit restoration company operates is determined by its’ payment structure. One of the most common payment structures of large companies or law firms doing credit restoration is that of the monthly “auto-debit” fee. In this structure the consumer usually pays $49 to $99 up front and then a monthly fee of $39 to $49 per month. While there is an advantage to this method (affordability) with it comes many disadvantages.
1.) The first disadvantage this structure creates is that it gives the company absolutely no incentive to work quickly or aggressively on behalf of the consumer. In fact, the opposite is true. The longer they take the longer they will continue to collect their monthly fee! In most cases this structure leads to slow results over a very long period of time. Looking at it logically, this shouldn’t come as a surprise.
2.) The other challenge within this structure is the actual amount of time, effort and resources which a company or law firm can reasonably allocate on a consumer’s behalf. Remember, any large business has a tremendous amount of overhead which quickly chews up most of that monthly fee. Out of that $39 to $49 there are monthly expenses including but not limited to: Advertising, Office Rent and Utilities, Employee Payroll and Taxes, Health Insurance, Phone Service, Office Supplies, Refunds, Computer Maintenance and Programming, Website Administration, Office Supplies and let’s not forget postage for mailing letters to creditors, collection agencies and credit bureaus. A much simpler way to think of this is by imagining if you had a client paying you $39 a month; how much work would you be willing to do?
3.) One of the biggest challenges credit repair companies charging low monthly fees run into is being forced to rely on the use of Automated “Boiler Plate” Dispute and Correspondence Letters. Boiler Plate Letters are simple form letters which are used for ALL consumers (one format fits all). Once set up in a computer program with the consumers’ information they are “shot out” automatically on behalf of the consumers needs (i.e. disputing a late pay, charge-off or judgment etc).
The problem here is that when a credit repair company has thousands of clients they are shooting these form letters out for, the creditors, collection agencies and credit bureaus can take notice of these letters being used over and over and discover your correspondence is coming from a third party (i.e. credit repair company or law firm) and in some cases ignore it or (worse yet) mark the dispute frivolous and flag your credit report. I spoke with a man recently who was on the inside of a large credit repair company who informed me they had an archive of over 10,000 boiler plate letters on file to avoid this problem. Of course, they charged customers by the month.
NON-DISCLOSURE OF METHODS: One of the most troubling issues with 95% of large credit repair firms (especially law firms) is their non-disclosure of dispute tactics and methods. As a consumer it is vital that you are made aware of the methods they are using in dealing with your creditors, collections and the credit bureaus. If the organization or law firm violates laws or makes errors (I have witnessed both) you could be held liable for their negligence. In addition, this can actually make your credit worse and create problems which are very difficult to clean up. Anyone doing credit restoration for you should disclose “what” they are doing since you are paying for a service. If they won’t, you better run the other way as they could be pouring gas on a blazing camp fire.
LOCATED IN HOME STATE: This is one of the most overlooked keys to successful third party credit restoration which consumers miss. It is absolutely vital when having someone else do your credit restoration work for you that they operate within your home state. Here’s why: if a credit repair company or law firm mails dispute letters or correspondence on your behalf from another state, that mail will be postmarked from that state. If the credit bureau catches this they can (and in many cases will) mark the dispute as frivolous and flag your credit file.
It is known that many Credit Repair Companies and Law Firms will resort to or create some kind of method to get around this in order to get disputes postmarked from the consumers’ home state (potentially more non-disclosure). For example. If they are in NY and you are in CA they will first have to mail your dispute letters inside an envelope from NY to CA. Once in CA someone opens the envelope and then mails your dispute letters from CA so they postmarked from your home state. I am not an expert on postal regulations but had a postal employee tell me the concept sounded extremely shady at best.
CUSTOMIZATION: It’s for this reason that some of the most advanced forms of credit restoration are done completely customized for the client and even (in many cases) by hand. The best credit restoration companies I’ve seen are usually run by one person or a small number of people and are extremely customized for each client. The is the most effective but with effectiveness comes cost. Every one of these services I have seen charges a very large upfront fee and works entirely off of referrals. This type of service is simply impossible to perform for $39 or even $49 a month.
Unfortunately, if you are unable to find someone in your area (preferably an individual) by way of referral through a friend, relative or professional contact, then I recommend you take matters into your own hands and do it yourself. I realize most consumers do not want to hear this but the good news is that it will almost always turn out to be the highest paid work you will ever do in your life. How high? How does $500 to $2500 an hour sound? I understand it’s a bold claim but not one I am unable to back up.
If you’re ever going to finance a first or second home (which everyone eventually should for the tax breaks) the difference between good credit and poor credit will affect your interest rate. If you secure a $200,000 mortgage on a 30 year term and your interest rate is only 2% lower because of a high credit score, that 2% will save you $96,934.11 over the course of the loan (just because you had better credit). Take that $96,934.11 and divide it by the 30 to 50 hours you may spend working on your credit situation and you’ll quickly realize credit restoration when done properly does not cost – it pays!
Jay Peters
http://www.articlesbase.com/non-fiction-articles/facts-consumers-should-know-before-using-a-credit-repair-company-83962.html
Signing loan documents can be intimidating even for the most seasoned real estate professional. But things are even worse today because most Title Companies offer their clients the convenience of having a mobile notary bring the loan documents to their homes to get signed. That means the Escrow Officer is nowhere to be seen and most notaries don’t know enough to properly answer peoples’ questions. Without any way of getting clear answers, the signing process has become even more frightening than before.
As usual, a little knowledge goes a long way to reduce the fear factor. Certain forms are more important that others and an educated borrower can quickly establish if the documents meet their expectations or not. Unfortunately, it’s not uncommon for Mortgage Brokers to change little (and sometimes not so little) things right at the end of the process and many people end up with surprises when it’s clearly too late to make changes.
So let’s look at the specifics. There are two forms in California loan packages that are more important than all the others; the Estimated Closing Statement and the Note itself. If everything’s right on those two forms, the rest of the package will probably be fine as well.
The Estimated Closing Statement is usually at the top of the stack. It’s compiled by the Title Company and has their contact information on the top of the page. It’s usually on legal-sized paper and details all the costs and fees associated with the transaction. In most cases, there will be two columns going down the right-hand side of the page; one for debits and the other for credits.
You can think of the far right-hand column as the ’source of funds’ and the left column as the ‘use of funds’. So your new loan amounts will be listed on the right-hand side, along with any deposits or credits issued along the way. On the left-hand side, it will show either the old loans being paid off (for a refinance) or the money going to the seller of the property (for purchase transactions).
The left-hand column will also list all the fees of the transaction. These fees should closely correspond to the fees listed on the original Good Faith Estimate provided by your Mortgage Broker. You should immediately look at these fees to see if there’s something there you didn’t expect. Keep in mind that this list is the most recent and most reliable estimation of the final closing figures, and there are often unforeseen details that only pop up at this final stage. Some of those details come up through the title report. If there are delinquent property taxes on record, for example, they’ll have to get paid. There may be another lien on the property or the next tax installment might be due. These examples are unavoidable but there are others that may have been added at the last minute to boost profitability for the Mortgage Broker or the Title Company. These are the things you need to be wary of.
The Estimated Closing Statement will usually be broken down into two main sections; lender fees and title & escrow fees. All of the fees charged by OR through the lender will be listed in the first section. This is where you want to look out for the agreed upon origination fees and any points you decided to purchase. You also want to look out for inflated processing fees or other unexpected “junk fees” like administration fees or application fees that you didn’t agree to at the beginning.
This first section will also list the prepaid items being collected by the lender. Examples of these items would include prepaid interest as well as reserve funds for an impound account. An impound account is where your property taxes and insurance are collected WITH your monthly mortgage payment. The advantage is that you don’t have any unexpected bills during the year. But the downside is that you have to bring in some extra funds to the closing to setup the “reserve account”. This reserve account ensures there will always be enough money available to pay these bills at the time they are due, plus some extra just in case.
These reserves can add up to a significant chunk of change so the decision to have impounds can significantly affect the amount of cash you have to bring to the Title Company. Also, if you requested NO impounds and the Mortgage Broker put them in anyway, you’ll see it right away because the prepaid items will be much higher than previously disclosed. Keep in mind that some A-paper lenders offer modest pricing improvements for loans WITH impounds so some Mortgage Brokers try to sneak them in as a way of improving the loan’s profitability.
The second section details all the fees paid to OR through the Title or Escrow Company. These would include the title insurance, escrow fees, recording, courier, endorsements, notary and any liens or delinquent taxes listed on the title report. Although the signing is often too late for negotiation, both the title insurance AND the escrow fee may have some flexibility so it never hurts to request a discount.
At the bottom of the Estimated Closing Statement, it should tell you exactly how much you still owe to close escrow or how much you can expect back after the transaction closes. Although this figure will rarely be identical to the Good Faith Estimate, it’s proximity to the original figure is an extremely good gauge of you Mortgage Broker’s competence and experience. If it’s way off, you might want to think about using someone else.
The second important form in the package is the Note, which will usually be located about half way through the stack, either in front of or behind the Deed of Trust. The Deed is pretty easy to find because it’s a 14 or 15-page document with “page 1 of 15″, “page 2 of 15″ and so on at the bottom of each page, so you can flip through the stack and find it quickly. The Note is usually near by.
The Note is generally a 4 or 5-page document and details the loan amount, lender, interest rate, date of your first payment, length of time the interest rate is fixed for, any interest-only options and the prepayment penalty stipulations. You will have already seen some of this on the Estimated Closing Statement but you should definitely look at (1) the interest rate – make absolutely sure that’s correct, (2) the length of the fixed period – that’s important and (3) the prepayment penalty – that will be on page 2 or 3. Many Notes have addendums, particularly for prepayment penalties, so make sure to look past the Note to see if there’s an addendum.
If everything on the Note looks good and the Estimated Closing Statement is also as you expected, the rest of the package should be fine. Once you’ve gone through those two documents, the heavy lifting is over. But there are still a number of things you should know while signing the rest of the documents.
First, the Note describes everything to do with the loan, but it hardly mentions the property at all. The Deed of Trust deals with the property and your obligation to keep it insured and in livable condition, etc. Deeds of Trust are all standardized these days so if there’s anything unusual, it will be detailed in a separate document called a “rider”, similar to an addendum. You can have riders for all kinds of things, including an adjustable interest rate, a balloon payment, a condominium, a rental property, a trust, a planned unit development (or PUD) or a second home. Don’t be alarmed by riders. They do it this way to simplify the Deed and make it easier to understand. Just know that the Deed is almost entirely boiler plate copy – very standard stuff. In fact, you can see what’s filled in because it’s usually in a different font. Everything else is standard.
There will be a document in the package called the Truth-in-Lending Disclosure. This is the most regulated document in the entire industry and is required for all lenders. Along with a variety of other items, the Truth-in-Lending disclosure tells you the APR, and everybody has to calculate the APR the same way. Unfortunately, there are so many loan options these days that it’s hard to put 2 programs together in a head-to-head comparison, but it’s still good to know what this form attempts to do.
When you get a loan, you normally pay some money – closing costs – to complete the deal. So let’s say you’re getting a $300K loan and you’re paying $5K in fees directly related to the origination of that loan. So you pay $5K in and get $300K out. $5K in, $300K out. So it’s really the same as paying nothing and getting $295K out. Same thing. If you pay $5K in and then get $300K out, it’s the same as getting $295K with no fees. Well, the APR takes that into consideration and calculates an interest rate that wraps in all these fees as if they were already included, making the APR generally HIGHER than the rate specified on the Note.
For Intermediate ARMs, the APR also takes the adjustable portion of the loan into consideration, including the index and the margin. It provides a weighted average interest rate for the entire 30-year period based on the initial fixed period of 5, 7 or 10 years and then the remaining years at the adjustable equivalent, assuming interest rates remain exactly as they are today. Although this attempts to provide borrowers with more complete information, it actually obscures the APR and makes it less relevant considering the objectives for the loan. For example, most people who get a 5/1 ARM (fixed for 5 years) have no intention of keeping the loan longer than the fixed period, making the index plus margin completely irrelevant.
This is particularly dangerous for Subprime loans where the index plus margin might be 2 or even 3 percentage points higher than the starting rate, making the APR MUCH higher than it would otherwise be. If you only plan to keep the mortgage for the fixed period, don’t spend too much time on the APR. It’ll be a high number that will probably frustrate and confuse you. Rather, spend more time on the starting interest rate and the closing costs required to get that loan.
Overall, you can expect your loan package to have two sets of instructions; one from the lender and the other from escrow. You can expect all the documents we’ve discussed as well as a long list of individual affidavits including a Signature Name Affidavit, a Compliance Agreement, an Occupancy & Financial Status Affidavit and various disclosures describing your rights in the transaction.
Keep in mind that any refinance transaction in California provides borrowers 3 business days to review all the documentation and cancel the transaction if necessary. This time is provided for your protection. Take the opportunity to review all the documents. I know it probably all seems confusing or even boring, but you’ll learn a lot about the process by reading the documents involved. I know I did when I still had my signing business, and now I’m doing loans full time. You never know where this stuff leads.
Patrick Schwerdtfeger
http://www.articlesbase.com/finance-articles/signing-the-loan-documents-110569.html
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