Mountain Biking 2014 – Alafia River State Park on December 26, 2014 we biked North Creek, Magic Island and Buzzard Bay. These are Intermediate trails with a portion of Magic Island and Buzzard Bay being Black Diamond. This is a top-10 in the USA mountain biking destination.
Video was recorded in full 1080p Superview + 1080p Mediumview on a Hero GoPro4 Silver. Musical content provided by Avenged Sevenfold under Copyright permissions in exchange for ad permissions.
(813) 752-9100
Keel & Curley Winery reviews
5 Star Rating
Came here for the $6 wine-tasting with some girlfriends while visiting in Winter Haven. We had such an amazing time! The staff went above and beyond to ensure we were enjoying ourselves. We didn’t want to leave. On the other side of the wine-bar, they have a beer-bar. It’s very rustic-looking and was packed full of people. We didn’t try the beer this time-around but plan to the next time we visit 🙂
Keel & Curley Winery
5210 Thonotosassa Rd
Plant City FL
33565
Review Source: https://plus.google.com/101056244149466231774/about?hl=en
http://www.govirtualusa.com
352-608-8802
Go Virtual USA, Inc. reviews
New Review
There are so many companies and professionals that could benefit from GoVirtual’s virtual assistant services. I have 3 virtual assistants and my productivity and profitability are soaring because of this. I highly recommend GoVirtual’s services!
Go Virtual USA, Inc.
813-684-0001 Beverly Weaver – Property Management Expert Brandon reviews
New Review
Thanks for all the hard work Beverly! You are a joy to work with!! I highly recommend!
Beverly Weaver – Property Management Expert
139 E. Bloomingdale Avenue
Brandon FL
33511
https://brandon.greatflorida.com (813) 982-4077 Great Florida Insurance – Brandon Insurance Agency Brandon reviews
New Review
Great Florida Brandon is the #1 spot for insurance in Brandon in my opinion. They saved me a bunch of money on the same type of policy that I had after my current insurance company decided to raise my rates. Kevin was very friendly and took the time to explain everything to me and ask what I was looking for. The best thing is that they can shop around for you so you don’t have to worry about getting the best rate possible. If you need insurance, this is the place in Brandon!
Great Florida Insurance – Brandon Insurance Agency
232 Oakfield Dr
Brandon FL
33511
Review Source: https://plus.google.com/103878644430468666484/about
Great Florida Insurance of Brandon is a top-rated Brandon Insurance Agency serving Florida residents, homeowners, boat owners, RV and motorcycle owners and more.
We are a full service Property & Casualty insurance agency. We provide 24-hour service, 7 days a week, 365 days a year, through our partnered insurance companies.
Our agency office will help you find affordable Florida Insurance to protect you and your family.
Serving Florida since 1991.
(888) 607-1888
Think Big Digital Marketing
Tampa Digital Marketing Agency reviews
2014-06-10 18:21:51
Lane of Think Big Enterprises always exceeds with not just providing an outstanding service, but with going above and beyond my client’s wants. Very patient individual in a business that generally does not have time to wait for anything. He always have time to provide one-on-one’s to discuss, explain and demo so you’re not left high and dry. Highly recommend Think Big Enterprises to anyone converting their online presence into an asset.
Think Big Digital Marketing
4830 West Kennedy Boulevard #600, Tampa, Florida 33609
(888) 607-1888
Review Source: https://plus.google.com/u/0/b/106195549852023689489/106195549852023689489/about
813-685-2992
Lago Interiors
Brandon reviews
5 Star Rating
Terry has made drapes for several rooms, installed remote controlled blinds & plantation shutters for our home since we moved to Florida from northern Virginia. She can design for curved-topped, bay–any kind of window.. The king-sized bedspread, matching pillows and shams she made for us is a marvel. In Virginia I was lucky enough to become acquainted with the interior decorator for the Mars family in Middleburg Virginia. Terry is her equal or better without the “downtown” prices.
Lago Interiors
3801 John Moore Road
Brandon, FL 33511
I wrote a post similar to this yesterday. It was a post on TILA rescission that referred to a married couple who rescinded their loan AFTER foreclosure was filed. They subsequently filed a Chapter 13 bankruptcy as well. The lender (Option One Mortgage Corp. – division of Wells Fargo) balked and refused to honor the rescission. The borrowers filed an Adversary Proceeding in bankruptcy court and won. CLICK HERE to read the full post.
This post is focused on alerting America’s homeowners who want to stay in their homes but cannot afford the payment anymore of the BEST REMEDY you may have. This is not for the proverbial “deadbeat” who just wants to cheat the system and live for free. However, there are much fewer of those kinds of people than those that can afford the payment might think. Millions of Americans are losing their jobs, being laid off, having their salary and overtime cut back while the costs of living have increased. The cost of living has been increasing (ie. inflation) for quite a while. From insurance costs to groceries to the costs of labor. Because of this cost of living increase, many fixed income families were forced to start living partly on credit cards. By the way, had this “credit” not been available in the first place, I don’t think we’d be where we are today. Supply and demand will keep the economy in check unless you can artificially fuel demand with borrowed money that someone can’t really afford to pay back.
Because of these extra credit payments and loss of income or a job, millions of families are on the verge of foreclosure or already there. If this is where you (or a friend/family member) is at, you MAY have one very powerful remedy to force the lender/servicer to work with you.
This remedy is called “TILA Rescission.” TILA stands for the “Truth in Lending Act.” It is the major piece of federal legislation that regulates lending practices of financial institutions. A borrower may have the “extended right to rescind” a loan for UP TO THREE YEARS FROM THE DATE OF CLOSING.
It is important to note that a loan can ONLY be rescinded when:
The term “material disclosure violation” is a very important component. Many people (including self-proclaimed experts in loan auditing) think that “any” violation of the Truth in Lending Act gives someone the right to rescind. That is patently wrong. The four conditions above must be true in order for the borrower to have the possible “extended right to rescind” the loan transaction. There are only 4 potential “material disclosure violations.”
Many homeowners don’t want to just “walk away.” They want to stay in their home. The bad news is that these lenders are run by criminals. Literally. They’re getting billions in bailout money. They’re getting millions to billions more in insurance payouts on defaulted debt. Homeowners who are trying to save their homes are running into the brick wall of GREED. Loss mitigation departments are being run by a bunch bungling fools who don’t even know how to answer a phone much less deal with a homeowner with dignity and respect. The corporate bottom-line is driving our country to the bottom.
So, if you’re like me, when you’re backed into a corner, you take the gloves off and you come out swinging. I think that Congress and corporate America really does underestimate the average American patriot. That’s their first and biggest mistake.
If you want to fight the battle to save your home… if you want to go on the offense, then TILA Rescission is one great weapon to fight with. You need to have an audit of your loan file done by someone who really knows what they’re doing. Most of the businesses and people out there claiming to know what they’re doing, don’t. Beware. If someone is trying to charge you over $750 for an audit, don’t just beware, don’t do it.
With a professional audit of your loan closing file, the auditor is investigating for material disclosure violations. If one is found, you have the right to rescind the loan – if the loan has been closed in the last three years and it was funded on your primary residence.
The loan is rescinded by sending a “rescission letter” to the servicer, the originator of the loan and any special servicer(s) that may need to be notified as well.
This puts the screws to the lender immediately and they end up in a real quagmire. TILA is meant to be a “self-enforcing” statute. This means that the lenders are supposed to enforce it on themselves. They are not allowed to sue a homeowner to get around the self-enforcing nature of the statute. Doing so is another violation. The only thing a lender can do is to “seek judicial guidance” in a TILA rescission claim.
In practice, when a homeowner rescinds the loan and IF they have a competent attorney well-versed in TILA, they are going to be asked by the lender or opposing counsel to submit a “proposal.” Folks, this is legal-speak for we’re willing to modify your loan, send us a proposal.
If you truly want a loan modification, a workout of your existing loan, a payment reduction plan, this is THE best and most powerful remedy one can have. Not all homeowners qualify and not all loans will have a material disclosure violation. I can tell you that I find material disclosure violations in greater than 50% of all loan packages I audit.
You have to be very careful to ensure that the “chain of custody” of your loan documents is protected. This is one main area a lender’s attorney will try to attack in an attempt to discredit the claim by saying that the documents could have been lost or altered because the homeowner, auditor and/or attorney for the homeowner were careless in preserving the integrity of the original loan copy package they received from the closing agent. A good attorney and auditor should have procedures and systems in place to combat this potential attack and preserve integrity of the documents.
DISCLOSURE:
I am not an attorney and nothing in this post should be construed as legal advice. Seek out an attorney for any questions pertaining to legal matters. I audit loan files for violations and have education and training in this area of practice. I work with competent consumer-based attorneys who handle legal matters for clients and provide audit report services for consumers and a select group of attorneys.
Rep. Ron Paul (R-TX) writes: “According to many politicians, we got here by not spending enough, not consuming enough, and not regulating enough. Now government, like some mythical white knight, is going to ride in to save the day by blanketing the economy with dollars, hiring an army of new bureaucrats, creating make-work jobs, and sending everyone some form of a bailout check. The debate seems to focus on whether this will cost enough to save the economy, or if this is just a “down payment” with much more government spending to come. Talk like that would be comical, if the results weren’t going to be so tragic.
The results will be worsening economic woes until we learn our lesson. But instead Congress is behaving like drug addicts who must hit rock bottom before they are ready to face reality. They are playing foolish games with the economy now because they are thinking only of political expedience.”
[END]
I couldn’t agree more. Since when does spending more help a broke person? Folks, our country is broke. We just don’t want to say it and accept it. A business is broke when it can’t fund operations any more because bills/expenses outpace revenue, month after month, year after year. At some point that business owner has to face the music and “hang it up.” This usually happens when the business is unable to continue borrowing to float. At some point, the banks or investors look at that business and say, “you’re not viable and lending to you anymore is way too risky.” At that point, it’s over.
It’s the same with the American family. If you’re spending more than you make, any responsible person would say that you’re being irresponsible and you need to reign in your spending. We should spend no more than 90% of what we make/have. If you spend 110% of what you make you won’t last long.
Our government has been spending more than it has for decades. We as Americans have known it too. We commonly refer to it as the “federal deficit.” Our government is on drugs folks. Really, they’re addicted to a spending drug. We spend more than we have. Period. The only reason the government can do it when a family can’t is because the government can print more money to neutralize it’s irresponsible, addict behavior. The government has fostered this “consumerism” and “materialistic” society we live in today. Everyone of us enjoyed the “high” of 2004-2007.” We are all collectively guilty. We must all take responsibility. We should do it now. The worst thing we can do is keep spending.
But that is exactly what our government is doing. We all know it deep down… this bailout stuff is more than wrong. It’s grossly irresponsible and selfish. We are damaging our country that may go to the level of being irreparable. Our kids and grandkids are really in trouble.
The American taxpayer has become the “bank” for our government. We are literally lending our money to Congress and they are spending it irresponsibly. What power we would all have collectively if millions of Americans and businesses decided on one common day that we would no longer fund this government. There’s our vote and the power of it. Remember folks, they work for us, not the other way around but the roles have been switched because we’ve been lulled into a materialistic high. Because it “feels so good” we haven’t done anything.
The crisis isn’t bad enough yet. We’re still pointing fingers. Some think that they’re not respsonsible… Some still think that printing money and letting corrupt politicians who are “on the take” with big corporate America have a blank check will actually rescue our economy.
I predict that we will wake up, as a country, WHEN the crisis becomes dire. Our biggest threat isn’t terrorism. It’s complacency on the home front. Our biggest threat is our own government. We are killing ourselves.
I’m a patriot and I love this country. I love what America is about – traditionally that is. I believe in the convictions of our Founding Fathers. I believe deeply in freedom – freedom of speech, the right to bear arms, etc. I truly believe that the majority of you reading this feel almost exactly the same.
When the crisis reaches the tipping point, our journey as a country, back to greatness will begin. But, as Ron Paul said, we will have to hit the proverbial bottom first; and we ‘aint there yet. Unfortunately.
Lane Houk 
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