Avoiding Mortgage Relief Scams


If you have ever been a homeowner then you will understand when I say that buying your own home is one of the most gratifying feelings in the world. Not simply because you know that you are financially stable enough as an adult to purchase a house, a place with four walls and a roof; but because you know and understand that you are about to create a generation full of memories with your family. It is also a realization of a lifelong dream for most people. What others may have overlooked, you saw as a chance to transform those walls into a place that is only yours.

Unfortunately, sometimes bad things happen – and you are left wondering how you are going to pay your mortgage. If this has happened to you – you are not alone! June is National Home Ownership Month, but many Americans are still struggling to make their mortgage payments. About 1 in 17 homeowners nationwide have fallen behind on their mortgage payments, putting them at a higher risk of foreclosure.


Homeowners who are struggling to make mortgage payments can call 888-995-HOPE™ (4673) or visit MakingHomeAffordable.gov for free resources and information to help them deal with their mortgage problems and avoid foreclosure.

Making Home Affordable is a free government resource that can help make paying that mortgage easier. Help from MHA provides incentives and flexibility that you might not have otherwise.
The program can help you identify your situation, explore program options, prepare what you will need to move forward and apply for the right solution based on your individual circumstance. Help from MHA provides incentives and flexibility that you might not have otherwise.

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First Summer Job

It was in the early part of March when we heard about the government’s Special Program for Employment of Students. I saw the announcement about the submission of applications that was posted at the Facebook page of our city mayor and we immediately worked on making sure that our son has all the necessary documents that were required. The program only allows one member of the household to apply for the program and since our eldest has already applied for a Student Assistant position at his school, our youngest was the one who applied for the SPES program. He has actually been talking about looking for a summer job which is why when we told him about SPES, he immediately worked on his application.

He went with his friend/classmate to the Public Employment Service Office at the city hall,submitted his application form and documents and was interviewed. They were then told to wait for the results a few weeks after that. He was actually disappointed when he didn’t see his name on the list that was posted at our Barangay Office, but fortunately he was part of the second batch of students that were accepted to the program. He started working this month and has been assigned (together with his friend) at the Barangay Office. This is his first summer job and he’s really very excited about it. We’re hoping that he will learn a lot from it including knowing the value of work, being responsible about his time, enhancing his skills and developing his people skills.

Vector by Freepik

Anyway, one of the reasons that he’s excited about getting a summer job is because he will finally get to buy something that he’s been meaning to buy – a guitar. He told us that he want to set aside a part of his earnings to buy a guitar. He has actually been asking his friends on where he can find a cheap quality guitar and has been reading guitar-themed articles online such as buying guides for newbie guitar players and how to get the best guitar setup. We’re hoping to find a guitar that’s suitable for him and is within his budget so that he can have his own guitar and practice playing during the weekends.

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Essential Home Recording Studio Equipment

Having your own home recording studio has its many advantages especially if you’re serious about creating your own music. Your home recording studio does not have to be elaborate. Although having the latest equipment have its perks, you can still enjoy the benefits of your own home recording studio by simply investing in a few essentials.

One of the most important of these is a digital recording device. You don’t have to invest in a separate device if you have a computer that has a built-in sound card with a high quality digital audio converter. You will also need a software that allows you to edit and mix tracks and add special effects. Software such as the komplete elements contain a comprehensive selection of production-ready sounds and effects. You will be able to complete a wide range of audio production tasks using this software.

Other important equipment that you need to invest in in setting up a modest home recording studio are a good microphone, speakers, headphones, audio interface and a MIDI controller. In choosing a microphone, it is best if you determine first which type of microphone is suitable for the type of recording that you will make. Don’t skimp on your microphone. The right microphone can make a huge difference on the quality of sound that you will get on your recordings. It is best if you take the time to research first so that you’ll be able to choose the best type of microphone that you need.

If you are undecided on which specific type or brand to buy, it is always wise to research and ask the opinion of experts so that you will have a more informed decision on which equipment to buy for your home recording studio.

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