Site Review- Adjust My Loan, or, why bankruptcy sucks

refinance now
Image by TheTruthAbout… via Flickr

Adjust My Loan is the website of a nationwide company that specializes in Arizona Loan Modification. When I worked at the Credit Union we called it refinancing, but after reading the description on the site, I see the difference between a refinance and a modification. A refinance almost always involves borrowing against the equity you’ve accrued by taking out a second mortgage against the value of your house. A modification helps people having trouble making their payments by working with your lender to negotiate an adjustment of your interest rate, an extension on the length of your mortgage, or even a reduction on the principal amount owed.

In 2001 when Chris and I filed bankruptcy because we had been swindled by a shady mortgage refinance company, I wish a site like this had been around. We tried to work with our lender (who had bought the mortgage from the company that bought the mortgage from our Credit Union) to get our payments lowered,  but they were absolutely not going to help us at all.  I spent HOURS searching the Internet, filling out applications at places like the Lending Tree, making countless phone calls to places that claimed to help people avoid bankruptcy, but in the end, that’s what we did.  Maybe they didn’t exist back then, but no where in all my searching did I come across a Loan Modification Company that could work with my lender on my behalf.

In fact, doing this review reminded me of something I had forgotten about-there was one company I found online that swore they could help us get our debts settled and we could avoid bankruptcy. They would negotiate with each of our creditors to have us pay a percentage of what we owed in exchange for having the accounts marked paid in full. Sounds great, right? Yeah, except for the one drawback- the FEE was $3,000. In CASH. If I had $3,000 in cash, would I have needed help PAYING MY DEBTS?

So anyway, back to the site I’m supposed to be reviewing here :) Adjust My Loan might charge fees, it does say in their FAQs that they don’t charge an upfront fee. They work primarily in Arizona but you can apply if you live in a different state. They use attorneys to audit the existing mortgage to see if any Federal Laws were broken, which I assume is then an excellent bargaining chip.  Take it from me, bankruptcy SUCKS. Your credit is ruined, you can’t get credit cards or car loans, it changes your whole life. If you are having trouble making mortgage payments, you are not alone.  Search the Internet for Loan Modification Arizona (or New Jersey or California or Montana or wherever you live),  weigh your options, and do what’s right for you.

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WisePack™ Travel Backpack Purse

On my recent trip to Philadelphia, I was determined to travel light. In the past I have used both a small purse for my wallet, phone, lip balm, boarding pass, and a larger totebag for magazines, my itinerary, whatever I wanted to carry on to the plane. For this trip though, I was fortunate to have a backpack that also functions as a purse, which not only held everything I wanted to keep with me, but kept my hands free for pulling my small carry-on suitcase. I didn’t have to check my suitcase that way, which saved me money and time at the airports!

The bag I used is called the WisePack™ Travel Backpack Purse by WiseWoman.  Not only does a backpack distribute the weight of what you are carrying more evenly, which reduces neck and back strain, but THIS backpack has more features than you would think possible in something so relatively small. WisePacks come in Black or Bronze (I have Bronze), they look like this:

wisepacks2

The Black WisePack has leather trim on the bottom, sides and front. The Bronze WisePack does not have the leather trim which makes it completely washable! You can also see, in the photo, the two BONUS BAGS that come with the WisePack-

• A small Quick Trip Travel Bag with an adjustable cord and pockets that can be worn separately to carry small items or your plane tickets.
• A travel pouch for make-up, jewelry, ipod, etc. that handily clips inside.

So what sets WisePack apart from other backpacks? More features than you would think possible in a bag that weighs 1 pound! Here’s a close-up of the exterior:

wisepackexterior

The feature I want to really point out is the protected pocket. It makes it easy to get access to things like your boarding pass, even a small wallet, but when you are wearing the pack,  the pocket is hidden from would-be thieves.

Inside the WisePack is a bright colored lining that makes looking for your items easy. My favorite feature of the interior is the clip for the little bonus makeup bag. When I was on the airplanes and wanted to apply chapstick, it was so easy to find it in the little bag since it was clipped close to the top. Here’s more great features of the interior of the WisePack:

wisepackinterior

Now, here’s the thing that bums me out about this review.  As I was packing my WisePack for the trip to Philly, I realized that BOTH of our camera batteries were completely dead. As in, wouldn’t hold even the smallest charge. I had all these great photos planned showing you how much stuff I got into my Pack and yet how not-bulky it was.  I promise the next time I use it, I’ll have photos showing you just how much you can pack!

The Black WisePack with two bonus bags is $69.00 and the Bronze WisePack with two bonus bags is $59.00.  If you have a trip coming up, I highly recommend you get one. Other great uses for the WisePack? Well, have you ever been at the grocery store,  pushing the cart, trying to keep your kids from running down the aisles and touching everything, plus you have your purse on your shoulder constantly falling down your arm, but you don’t want to put it in the cart because let’s face it, it could get stolen while you’re wrestling a box of Princess Fruit Snacks out of your toddler’s clutches.  With a WisePack, you have your hands free! 

Pretty much anywhere you would take a purse, you can take a WisePack. Seriously, can you tell how much I love mine?  I did receive a WisePack from Myrna at WiseWomen, but the love is all MINE.  Get one! You’ll love it!!

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DeChristmasification

I always find it so sad that the Christmas decorations have to come down. If I had my way, I’d keep an artificial Christmas tree up all year just so I could sit and look at the lights at night. But, my husband doesn’t share my enthusiasm for Christmas decor, so the week after New Year’s, everything comes down.

We have storage shelves in our basement, and there’s one section just for the Christmas stuff. We store everything in large Rubbermaid totes-two for the Christmas ornaments and small figurines, one for my large Snowman figures, one for all the indoor and outdoor lights. Our two artificial wreaths get put in a heavy duty trash bag and stored in the corner next to the shelf.  It’s really not that hard to do since we have purposely kept our decorations to a manageable size. Believe me, I’d be Danny DeVito’s character in “Deck The Halls” if I could get away with it, but Chris prefers understatement, and it does make set up and take down easier.

For this week’s Blog Blast, Parent Bloggers Network wants to know how you clean up after the holidays, or if you just leave everything up all year round! Write a post on your blog, linking back to 1) http://rightathome.com and
2) http://blog.parentbloggers.com.

Make sure to send your blog post link to parentbloggers@gmail.com and they’ll round them up on our blog – so give your post a creative title!

What can you win?

A $250 VISA gift card!! (maid service for post-holiday cleaning, perhaps)! One winner will be chosen at random.

For some great tips on organizing your home,  check out the new website from SC Johnson, maker of products like Ziploc, Pledge, and Glade. The site is called Right@Home,  and it organizes all kinds of helpful articles into four categories-Cleaning & Organizing, Food & Cooking, Designing for your Home, and You & Your Family.  There are some really yummy looking recipes, and check out the “Where’s your stuff?” bag, an easy craft to turn a hanging sweater bag into a way to organize all your kids’ stuff! You’re sure to pick up a tip or two.

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