With the sharp increase in the number of repossessions throughout England and Wales over the past year it is vital that tenants are fully aware of their rights and what help is at hand for them.

First and foremost its important to point out that lenders and freeholders are fully within their legal rights to take action against you if you fail to keep up with repayments or in the latter situation; break one or more conditions of your lease. At the same time this action is not automatic and your lender or freeholder has to state a valid legal reason along with following the correct procedure in order for your eviction to be initiated.

If you are threatened with a repossession order then the first thing you should do is seek help from your local housing association advice centre or the Citizens Advice Bureau.

Although numerous accounts contradicting the fact that lenders should use repossession as a last resort are cropping up essentially the majority of lenders will be more than eager to sort out your repayment problems and work on implementing a new repayment plan. The options available to you at this stage will depend greatly on your personal situation and your lender will usually take into account what type of mortgage you have; how far youre are into arrears; and the reason you have fallen into arrears.

Almost always the first indication you will have that your repayments have become problematic are by a letter you will receive from your lender. This will usually just be to inform you that you have missed one or more payments and establish how you intend to catch up on these payments; in most cases they will request that you get in contact with them either by letter or telephone.

Its vital here that you do not simply ignore letters from your lender or landlord as this will encourage them to get their solicitors involved and will show the courts your unwillingness to cooperate.

Following your first letter you will receive one stating whether or not your lender found your proposals agreeable if not then they will usually give you 1 week to either clear your areas or get in contact with them; with failure to comply resulting in the matter being passed onto their solicitors. Its always better to try and resolve the situation with your lender before involving their solicitors so again it is vital that you answer their letters or get into direct contact with them.

If you have still not taken any action then you are likely to receive a letter from your mortgage lender solicitors stating that you have 1 week to pay of all arrears or make a proposal on how you intend to do so if you do not then they are able to start court action.

Negotiations are vital at this stage and if your mortgages case is taken to court then chances are they will be much more sympathetic if it is obvious that you have made an effort over the preceding months. A remortgage may be an excellent way to cover your outstanding arrears either way its highly advisable you talk with an independent advisor before taking such action.

About the writer:  Liam is a UK based writer.

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The mortgage crisis has many homeowners becoming very anxious to get rid of a unaffordable home loan due to a number of reasons. Some solutions for homeowners are to either refinance or get a loan modification from their bank or lender. Since home values have been decreasing some homeowners simply walked away or were unsuccessful in modifying their home loan. Here are some valuable steps to get you the desired results in your favor.
1.How do I determine if I am eligible for a home loan modification?
If you can show evidence to your lender or loan servicing company that you have experienced a financial hardship such as an adjustable rate loan that is about to reset to a higher rate plus you currently have the income to afford a lower loan payment if given the mortgage loan modification you are eligible.

2.OK what hardships are acceptable?
Although each hardship is determined separately the lender will usually consider these to be honored: a death in family loss of employment or less hours relocation for work medical problems hospitalized bills divorce separation. Homeowners will need to write a hardship letter to the lender explaining their overall circumstances to the bank.

3.Am I eligible for a loan modification if I owe more on my house that it is worth? This actually helps your case and should work in your favor because a home value that is substantially less than the current market value will make the lender sway away from foreclosing as they could lose even more money approximately 30000 per foreclosed home. So keeping you in your house and making payments may be the best solution for all parties involved.

4.I have contacted my lender but they will not discuss my situation until I am behind on my payments? Each lender has different policies for prioritizing their mortgage loan modifications. Most of the time homeowners who are confronting foreclosure are being assisted first. However many lenders are starting to communicate with borrowers who will face adjustable rate loan increases in the near future
.
5.What about these mortgage loan modification companies claiming they provide me the best opportunity for a loan modification? The majority of loan modification companies are new companies to get in on the start of the loan modification boom. Since some homeowners are not comfortable dealing directly with their lender or do not think they have sufficient knowledge to actually get the desired outcome a loan modification company can represent you with an upfront fee. Although certain state laws prohibit them from receiving an upfront fee if you are 3 months behind and in some cases two months behind. Some of these companies are reputable and want to honestly help you but dont have the experience or proper personnel to get it done. As a rule of thumb do your research on the company before you agree to anything and make sure to learn about the loan modification process so you can be ready to have loan modified correctly with the proper company.

6.What is a legitimate loan modification company?
A legitimate loan modification company is one which has an attorney in the office where your file is being processed by experienced paralegals not a loan processor who is beginning a new career path. Also you should be speaking with a knowledgeable bank debt negotiator or they at least have one on their roster. More importantly use a company that performs a forensic analysis on your loan file for Truth in Lending and RESPA violations. Companies like these have usually been around for years.

About the writer:nbsp;nbsp;If you would like more information about loan modification options visit:
http://www.ocrealestatelawyer.net or for a New York Home Loan Modification; you’ll get a forensic analysis of lender errors so you are confident you will get a positive loan modification outcome.

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You are ready to buy your first home fantastic. I thought I would offer some advice to you things you may or may not have thought of yet. Many people want to buy a home and feel ready but don’t fully realise everything that is involved. It’s great to have your own home and invest in your future however a home is a massive responsibility to take on.

Replacing throwing away dead’ rent money with an investment is great but your home can be possessed if you can’t keep the mortgage repayments up planning is key to ensure you know what you are getting into and you make the right investment.

Demand certainly outpaces supply in the mortgage market. Mortgage lenders are willing to lend however only to those who are low risk. Your credit score is important; it’s worth checking this before you start applying for a mortgage as they can be anomalies that could make the difference between approval and decline of a mortgage.

The most important mortgage advice first time buyers is to save! As lenders are now much more cautious with their lending and wish to reduce their risk the larger deposit you have the more likely you are of being approved and at a lower rate of interest.

There are government schemes that help first time buyers get their first property. In Scotland there is the LIFT scheme where the government will take a equity stake in your property in return for putting up money. This scheme is aimed more for those on lower incomes but it is certainly worth looking into there may be a different scheme in your area.

Use all the resources available to you the internet is good for mortgage information giving you explanations of term calculators to help you work out what you can borrow and what you can afford. Mortgage brokers can offer very valuable mortgage advice to first time buyers which many do without broker fees. You benefit from their market knowledge assistance with applications support through the process and help you avoid common mistakes.

Final piece of mortgage advice don’t just go to your bank for a mortgage search around for the best value mortgage with the best terms for you.

About the writer:  Chris Borthwick writes articles covering a broad range of subjects. His main area of expertise is mortgage advice and writes many articles on mortgages for finance industry mortgage brokers and for the general public. Most recent articles detailed the benefits of a fee free mortgage broker.

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Around 3.85 million home owners believe that a non existent state benefit will enable them to keep up with mortgage repayments in the event of losing their income.

Almost one in ten home owners wrongly believe that the government will pay their mortgage if they are unable to do so for reasons such as redundancy or illness according to new research.

However the government will not help anyone with mortgage payments for the first nine months of unemployment and after that unemployment assistance is only offered to a select group of people who have mortgages of less than 100000.

A further seven per cent of those surveyed by Lincoln Financial Group were not sure whether government assistance is available and were seemingly unaware that the last Conservative government scrapped state aid in 1995.

Ian Noble head of strategic partnerships at Lincoln Financial Group said that the figures were a warning that million of Britons are enjoying a false sense of financial security believing that the government will provide financial assistance if and when required.

“That is not the case unfortunately. The government is not going to pay for your mortgage if you lose your job and assuming that it will place people in real danger is a large risk as it suggests they have no other mortgage protection plan in place” said Mr. Noble.

Indicative of this perhaps is the news that mortgage repossessions are still continuing to rise dramatically with repossession orders in England and Wales in the first three months of 2006 witnessing a 57 per cent rise.

Adfero Ltd

About the writer:nbsp;nbsp;TML Mortgages Mortgage and Remortgage Solutions.

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The interest rates in Turkey have been falling in the last one year and more and more people are interested in refinancing their mortgages. With lower interest rates refinancing mortgage loan can lower down monthly payments significantly. In addition it is possible to change the structure of the mortgage by changing the duration currency and interest rate type. Below we go over advantages of the refinancing and important factors that should be considered in a refinance decision in Turkey.

Lower Interest Rates
In Turkey interest rates have been falling in the last one year. About one year ago in November 2006 the average monthly mortgage interest rates was about 1.8 percent which decreased to 1.6 percent in early 2007 before the mortgage law passed on March 2007 and currently it is about 1.3 percent. Such a sharp decrease in the monthly interest rate clearly makes refinancing a very beneficial decision.
To demonstrate the gains from the refinancing consider a 10year loan of 100000 YTL. A drop of interest rate from 1.6 percent to 1.3 percent reduces your monthly payments by 12 percent from 1880 YTL to 1650 YTL. Over the remaining length of the loan the difference between two loans makes 27543 YTL which is about 27 percent of the original loan.

Fees
In the above example fees are assumed to be zero; however it is very important to know the closing fees lender fees and other third party fees. Since increased costs decrease the benefits received from lower interest rates. However the benefits gained because of the decrease in the interest rates in the last one year would be typically more than the costs incurred from the fees.
For example the basic calculation above assumed that fees for closing the loan and getting the new loan are zero. To be more realistic suppose that the early payment penalty of 2 percent is applied to close the original mortgage. Also assume that an additional 3 percent is paid for the new mortgage. With these fees included in the loan your monthly payment would be 1732 YTL still a 8 percent reduction in the monthly payments compared to the 1880 YTL with the original loan. Over the length of the loan the total gain from the refinance would be 17641 YTL still a significant gain for a loan of 100000 YTL over 10 years.

No Early Payment Penalty if
The mortgage law that passed on March 2007 introduced up to 2 percent early payment fee for fixedrate mortgages if they are paid before the due date. However if you got your mortgage before March 6 2007 you would be exempt from the 2 percent early payment fee. So in the above example without the 2 percent early payment fee your monthly gain would be 1700 YTL and your total gains would be 21602 YTL. Lets also note that early payment fee is only valid for fixedrate mortgages but there is no penalty fee for adjustable rate mortgages.

Refinance in Foreign Currency with Lower Interest Rates
Refinancing can be a chance to change the currency of the loan. In Turkey the interest rates for mortgages borrowed in Turkish Lira YTL are significantly higher than those borrowed in foreign currencies such as Euro US Dollar or Japanese Yen.
On the other hand the risk of borrowing in foreign currency is also high. Earlier financial crises have always ended up with sharp depreciation of the Turkish Lira. For example in 2001 the Turkish Lira depreciated more than 50 percent in only a few days. Given the large current account deficit of Turkey about 7 percent of the GDP and the largest deficit for an emerging country we believe that the probability of Liras depreciation in the next 10 years is also very high. So possibility of such a crisis in the future should be included in the risk analysis. Briefly as a rule of thumb borrowing in foreign currency may be advantageous if your income is in foreign currency or if the length of the loan is only a few years.
What if the interest rates continue to fall?
If you expect the interest rates and inflation to continue to fall in the future the best strategy could be changing the fixedrate mortgage to an adjustablerate mortgage. This way your mortgage interest rates will continue to fall if inflation falls in the future. In addition rerefinancing the fixedrate mortgage would be more costly in the future because of the 2 percent early repayment fee if you want to rerefinance when interest rates get even lower in the future. On the other hand there is no early payment fee for the adjustable rate mortgages.
We should also stress that an economic crisis that result with a depreciation of the Turkish Lira would also increase the inflation. Since inflation is the base index for the adjustable rate mortgages in Turkey your interest rate and monthly payments may increase sharply with adjustable rate mortgages. So we suggest being very careful before switching to an adjustable rate mortgage for long loan terms.

Decreasing the loan term
By refinancing you can change the duration of payment: you may decrease it or extend it. If you refinance with a shorter loan term you can pay off your loan faster and therefore build up equity in your home faster. Especially in Turkey since the interest rates are higher than the ones in developed countries the optimal length of the mortgage is shorter than the developed countries. A mortgage with a loan term longer than 10 years is currently too costly and you may use the refinancing as a chance to reduce the duration. As an example if we go back to our example with 10 years mortgage of 100000 YTL with 2 percent closing and 3 percent opening costs and if we decrease the mortgage length to 9 years from 10 years monthly payment decreases 3 percent to 1815YTL from 1880 YTL and the total gains increase to 29580YTL it was 17641YTL with 10 years refinancing. So it is suggested that you refinance with a shorter loan term if possible.

Extending the loan term
Refinancing is also one of the best ways to acquire funds which may be used with any purpose including the opportunity to pay off other debts. If the duration of the loan is extended a few years somewhat more funds would be available however as stated earlier the interest rates are high in Turkey and therefore gains from extending the length of the loans may not be very high in long term loans. For example going back to our example of 10 years mortgage of 100000 YTL with fees if new duration with refinancing is extended to 11 years the monthly payment decreases to 211 YTL reducing the monthly payment by an additional 65 YTL from 1733 YTL when compared with the 10 year refinancing.

Compare APRs
Remember that a wrong decision in mortgage refinancing can take years to recover from. Before making any decision on refinancing you should compare all lenders in Turkey properly. In comparison make sure that you use the Annual Percentage Rate APR which is the annual rate inclusive of fees on the mortgage. Kredihavuzu.com has all the tools you may need for such a comparison including all the uptodate interest rate and fee information for all the lenders in Turkey.

About the writer:  Berk Akman works at KrediHavuzu.com Turkeys leading online mortgage ucuz hesapl konut ev arsa i yeri refinansman kredileri broker dedicated in providing interest rate fee information and various advanced mortgage calculators e.g. refinansman kredi yeniden yapilandirma bul hesapla .

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Rising house prices and recent interest rate hikes means that it is now only 5811 cheaper to buy than rent over a 25 year period according to Abbey. The staggering results are different across areas of the UK but Abbey say the difference between buying and renting last year was 24000. So in the last year the combined affect of interest rate rises and house price increases have slashed the gap by 76 per cent!

Bad news for wouldbe first time buyers more proof that the cost of getting on the property ladder is getting more expensive by the month. If you postpone buying a property for 12 months you could be in for a shock!

The annual UK Rent Versus Buy Index from Abbey Mortgages say it is actually cheaper to buy than rent in the UK but as demonstrated above only just and the gap is closing fast.
The research which surveyed the average cost to a buyer who has a mortgage for 25 years compared to the average cost for a person renting across the UK found that the average cost of renting is 443736 while to buy a home over the same period is 437925 a saving of 5811 or 1.3 per cent. Last year the results showed that homeowners were better off than renters by an average of six per cent.

So wheres best to buy? West Scotland is better value to buy rather than rent. This year East Scotland topped the table with a saving for homeowners of 21 per cent. The North South East and East Anglia too all have a saving for homeowners of 10 per cent or more. West Scotland and the South West scrape into this category with 7 and 6 per cent respectively.

Wheres best to rent?

Northern Ireland is the best place to rent with people who buy being 46 per cent worse off than people who rent! This is mainly due to the 50 per cent increase in house prices in the last year alone.

Dont forget after 25 years of renting you should still have another 25 years of living to do so another 25 years of renting!

If you opt for a repayment mortgage over 25 years at least youll own the property after 25 years something to bear in mind!…

About the writer:  Simon Duffy writes for the Financial Blog a UK Finance Blog talking about all aspects of personal finance.

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Is A Foreclosure Legal?

You ask yourself this question and maybe just maybe there is some light at the end of the tunnel. Just passing on some thoughts heard around the water cooler. If you or a friend is facing foreclosure you no doubt can find in the foreclosure action a petition from the plaintiffs lender attorney asking the court to “accept a lost note or document affidavit”.

Now this statement in itself shouldn’t cause any dynamite to blow up but if you look into the actual reason for this simple little petition you will be amazed at what might be happening right before your eyes in front of the Judge and the entire world.

You see almost ninetynine percent 99 of the average citizens do not have a clue about how the real money is made in the mortgage business. In fact I would venture to say that over seventyfive percent 75 of today’s mortgage brokers don’t have a clue about how money is made in the mortgage business.

You will see ads in all of the mortgage magazines “looking for sharp loan officers” commissions up to one hundred percent 100. Now think about this just for a minute. IF a mortgage company was going to pay out one hundred percent 100 commissions how do they make any money? Confused? Join the crowd. Here is how they make their money and I mean really really big money.

Let’s just say that ABC Mortgage Company has ten loan officers and each one creates two 2 mortgages a month. ABC now has twenty mortgages at an average of twohundred thousand dollars 200000 on the table and they have paid out ALL of the commissions earned from the lenders to the loan officers. DUMB? Nah just read further on.

For many years international investors would buy US Mortgage Notes because they were looked at as one of the most secured investments in the entire world. So these groups of which might be Honda Yamaha Toyota and other financial giants would diversify their investment portfolios with secured US Mortgage Notes. For the mortgage company like ABC that had twenty loans a month and you thought they were not making any money look at what happens.

The secondary market buys those twenty mortgage notes from the mortgage company at the closing or soon thereafter. They pay the mortgage company a commission of twopercent 2 which is called a service release premium. That term is NOT known on the streets but it DOES EXIST in the industry. So on a commission of twopercent 2 and a loan portfolio of fourmillion dollars 4000000 ABC Mortgage Company gets a monthly check from the buyer of those mortgage notes to the tune of eightythousand dollars.80000 for that month. This is how mortgage companies can pay out onehundred percent 100 commissions and make tons of money.

So along comes the attorney for the mortgage company and he is suing you in court to foreclose on your home. When he petitions the court to accept the lost note affidavit he is not really telling the truth. The question arises. How could you lose a note that you did not have possession of? Do you think for one “cotton pickin” minute that Honda or Toyota would pay commissions and buy those notes without getting the original notes. That is the only paper that is negotiable.

So if you didn’t have possession because you collateralized the note which simply means that you used the value of the note to acquire an equal amount of cash and gave possession of the note to the party that put up the cash. Plain and simple. So where is the rub? Well is it possible that the lender through its attorney is possibly committing fraud on the court by stating that “the original note is lost” when in fact it cannot be lost IF the mortgage company sold it.

This makes for a very interesting conversation between folks in the mortgage industry attorneys representing both the homeowner and those representing the lenders. I would love to see a ruling on this up to the highest level. After all without proof of the debt there is no debt.

There is a lot of case law where it has been determined that the only proof of debt is the original document or a certified copy thereof. How can anyone produce a certified copy when none exists. In closing I don’t know where this thought is going to lead to or end up but I was just totally amazed when the conversation of which it was from experts in the mortgage industry started talking about mortgage notes deeds and collateralization. Today’s average person would let this go right over their heads and not know the difference

About the writer:nbsp;nbsp;Regis Sauger is a Licensed Mortgage Broker in Florida. He has written numerous aritlces on consumer credit. He has over 25000 readers of his articles.

http://www.yurcredit.com

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About the writer:  No matter your circumstances for financial hardship loan modification is something you are eligible to apply for under the new government program. If you would like additional resources and information visit the 1 loans modification spot on the net: http://HomeLoanModifications101.com

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How would you like to be able to qualify for a 55000 larger fixed rate mortgage? I know it sounds too good to be true. But it’s just simple math. How about we procrastinate. It can wait a few minutes while we have a little fun.

Tomorrow you’re getting a raise. See I told you we were gonna have some fun.

If you’re anything like me you can really use that money. But first lunch. You buy. You did just get a raise after all.

Lets go to dinner. Do you like lobster? Me too.

Now the ball is rolling. Youre spending that raise already.

Buy yourself some new clothes tomorrow next week a new TV. Dont forget to save a little for a down payment on a new car.

You deserve it and can afford the monthly payments with your big fat raise.

Or can you?

Sure you can but can you live with 55k less house. WARNING: Here comes the math!

Lets suppose you earn 5000 a month and your monthly car payment is 400. Using an interest rate of 8 you just qualified for about 55000 less house because of that car payment!

Moral: Buy the house first and the car second.

Not only will you be able to afford more house but you may qualify for a lower interest rate.

Already have a car loan? Dont sweat it but dont run out and pay off that loan either. Not even if you can afford to.

When you begin talking to a loan officer ask him what would be best for your situation. No two people have the same situation so me giving you some blanket statement piece of advice about your current loans would be a waste.

You might be better off putting that cash down on the house than paying off the car. Maybe paying off your bookie is a higher priority for you now anyway.

Let your loan officer give you specific advice. Advising you how to get the most house with the least risk is his job after all.

About the writer:  This article is written by Scott Jenkins of About Fixed Rate Mortgages. For more helpful advice visit his website to get the important facts about getting an accurate mortgage rate comparison and how to make mortgage rate predictions.’>

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? How you paid your bills in the past gives the lender some indication of how you can be expected to pay them in the future. If you have a record of paying your bills after the due date this can lower your score. How often you have been late paying your bills how recently your payments have been late as well as how long you remained delinquent on any bill at one time are important factors.

OUTSTANDING DEBT.
How many consumer loans and open charge accounts do you have? What are the current balances on these accounts? The lender wants to know how much credit you have and how much you have used. Research has shown that the number of credit accounts you have as well as how much of your available credit is used is important.

CREDIT HISTORY. How long have you had credit? Generally the longer you have had and have successfully managed credit the higher your credit score. However people with relatively new credit histories or those with only one or two accounts can obtain high scores as well.
If you have recently established credit or have only a few credit references which does not mean that you cannot get a mortgage. Working with your mortgage lender you may be able to establish a nontraditional” credit report that is based on how well you have paid other types of debts such as rent and utility payments.

CREDIT INQUIRIES. How many times have you authorized a lender to check your credit record? How many new accounts have been opened recently? Every time you apply for credit for an automobile or consumer loan to open a new charge account etc. the lender checks your credit history with one of the credit bureaus. This is called an “inquiry” and is recorded in your credit report. Sometimes having many inquiries within a recent period on your file indicates that your credit usage may be increasing and creates an additional level of risk for the lender. However don’t worry that checking with several lenders about a mortgage loan will have a negative effect on your credit score. The credit report data used to calculate credit scores does not include auto or mortgage loan inquiries that occur in the 30day period prior to the score being calculated and auto and mortgage inquiries that occur in any 14day period are always considered one inquiry.

TYPES OF CREDIT. What types of credit do you have in use? Do you have a mixture of types of credit such as credit cards personal loans etc.?
Your credit score is calculated based on your history in these and other areas. Having established credit paying your bills on time and keeping the balances on open accounts to moderate levels will help ensure that you have a strong credit history and a good score.
Are credit scores discriminatory? No. Credit scoring is an objective process based only on the information in your credit report. Factors such as age race religion gender national origin marital status income employment and where you live are not considered in determining your credit score. Credit scoring is a biasfree tool that helps lenders evaluate the likelihood that you will repay the loan based on how you have managed debt in the past. Because credit scoring evaluates the information in credit reports in the same objective manner one borrower is just as likely as another to have a high credit score.

What’s my score? Is that good or bad? Credit scores typically used in mortgage lending range from approximately 300 to 900. Generally the higher your credit score the less risk of future default you represent to the lender. This is a strong indication that you have successfully managed credit in the past and are likely to repay a mortgage loan.
Keep in mind that your credit score is only one factor that the lender uses to evaluate your mortgage loan application and that the final decision whether or not to approve your mortgage loan is made by the lender after careful analysis of all of the information the lender has collected.
Can my score be improved? The answer is over time certainly. But it may be difficult to immediately “fix” your credit score. The most effective way to make sure that you have the best possible credit score is to manage the credit you already have in a responsible manner. You can do this by following two simple rules.

1. Avoid becoming delinquent on any of your credit obligations credit cards automobile loans or other installment loans.
Consumers occasionally miss a payment on one of their bills. This can happen for any number of reasons. Isolated situations like these although they should be avoided and will have some effect on your credit score should not have an effect on your ability to get new credit.
A mortgage foreclosure on your credit report will have a major effect on your credit score and your ability to get new credit in the future.

2. Avoid overuse of your credit cards and other credit accounts.
Just as it is important for you to pay your bills on time it is also important that you control how much money you owe especially on your credit cards. Lenders are increasingly concerned about the credit risk of consumers who seem to overextend themselves by using most or all of their available credit even if these consumers are still making payments on time.
Why would the lender need to be concerned if you still are making your payments on time? In recent years there have been many news accounts of people in financial difficulty because they have used their credit cards up to their maximum limits and then struggled to make their monthly payments. For some consumers in this situation the burden of these monthly payments becomes so great that they stop making payments altogether. Some file bankruptcy. This can happen to people who have never before missed a payment.

So while you may think everything is fine no matter how much you charge as long as you can pay your monthly bills on time the fact is that you are actually a higher credit risk than those that manage their credit accounts more conservatively.

Credit scores are developed by looking at the way millions of consumers manage their credit and are able to identify consumers who are becoming overextended before they become delinquent. This risk is reflected in the credit scores of those consumers.

Myself webmaster of www.castlemortgagegroup.com dealing in all type of mortgage loans in Florida Georgia Alabama with home equity loans Florida Home Loans refinance loans constructions loans.

About the writer:  For More Article Visit :: http://www.thearticleinsiders.com/