If you check the stock market on Monday, people will be saying the market is up and everything is looking better financially.  If you check the market on Tuesday, all economists will be in complete agreement that the world is going to end in 48 hours.  What does this mean for you?  No one, not even the “experts,” have any clue where the economy is going or how long it will take for the country to climb out of this “Great Recession.”

Real estate has been a nightmare for many people as well.  One minute the housing markets look great, and yet with unemployment at a 25 year high and climbing, no one has any idea what the future will bring.  This affects available homes, available credit, interest rates and more.  There is very little sure footing in today’s market, but with a loan modification, you could be closer to security than many other people.

Five Steps

Here are five steps you can take to get a loan modification:

1.    Do your homework – Read as much as you can about loan modifications.  While at work, while watching the ball game, while you are eating lunch – read and learn about loan modifications.  This will only enhance your understanding of the industry and give you a sense of what a loan modification can do for you.

2.    Get your ducks in a row – It is important to have your financial paperwork in order to get the loan modification that is going to work for you.  That means tax returns, pay stubs, bank slips and more, all from the last few years.  A bank is going to want to see your financial history, as well as your current financial situation in order to make a decision.

3.    Talk to your spouse – You cannot get a mortgage loan modification without having the assistance and agreement of your spouse.  While your financial situation may be dire, you must work together in order to make this happen.

4.    Find a loan modification company – You can always attempt to get a loan modification on your own, but having a highly qualified loan modification attorney working with you might be the necessary help you need.  Knowing how to fill the application out, how to file the paperwork, how to organize the communication between your side and the lender and much more can all be helped by a loan modification attorney.  You wouldn’t go to court without an attorney, so do not try getting a loan modification without an attorney.

5.    Calm yourself – It is important to be patient and understanding with yourself and your situation while trying to get a loan modification.  It can be very easy to overreact and lose your calm.  In fact, more marriages end because of financial troubles than for any other reason.  So, giving yourself, your spouse and everyone else around you some slack will keep your relationships and your life in a good place.

Contact a loan modification attorney today, and begin the process of staying in your home.

Visit us at http://www.feldmanlawcenter.com or call 800-588-0425.

SOURCES OF HINDU LAW

India is a huge country not only in terms of its geography but also its population, which has various religions, customs and practices. However, India has two main personal laws i.e. Hindu law and Muslim Law. Before moving ahead, I would like to define the Law – ‘Law is a large body of rules and regulations based mainly on general principles of justice.’

Hindu Law is a personal Law (Law of Marriage, Divorce, Adoption, inheritance etc) evolved through long period of time from many sources (mentioned below) by Hindu religious community of India. Therefore, I love to call it ‘Sedimentary Law‘ because Laws from various sources Sedimented and consolidated into Hindu Law. The important sources of Hindu Law are:

1)  Ancient Source

2)  Modern Source

Ancient source is the main source of Hindu Law, which further subdivided into viz -

a) Sruti: the literal meaning is – ‘what was heard’, and it is originated from Vedas i.e. Rig, Yajur, Sama, and Atharva Vedas. Basically, it is praise in the forms of hymns of the earliest Hindu tradition which deals – types of marriage, adoption, partition etc.

b) Smriti: literally means – ‘what is remembered.’ It is also known as ‘Dharma Sutras’ and available in the prose from. The important Smritis are ‘Manu Smriti, Yagnavalkya Smriti, Narada Smriti etc and, it deals the civil and criminal law, procedural law, marriage Law etc.

c) Commentaries: the discrepancy between above two gives rise a third one i.e. ‘Commentaries, which later on beget two schools i.e. Mitakshara (Vijyaneshwara school) and Dayabhaga (Jimuthvahana school) associated with particular areas.

d) Customs: it is a set of rules and norms, practice by particular society for a long period of time. However, ‘customs arise whenever a few human beings come together as no association of human beings can exit permanently without adopting consciously or unconsciously, some definite rules governing reciprocal rights and obligations’ (Vinogradoff, Collected Papers). “Indeed custom is coeval with the very birth of the community itself.” (Jurisprudences).

Modern Source refers to the rules and regulations established through legislation by educated and intellectual people. These laws almost codified laws such as -

a) Hindu Marriage Act (1955),

b) Hindu Succession Act (1956),

c) Hindu Minority and Guardianship Act (1956) and

d) Hindu Adoptions and Maintenance Act (1956)

After independence (15 August 1947), India constituted its own Constitution, where India defines itself as a secular country, like this given space to flourish all religions with its own customs and laws. Therefore, the Indian Legal System is a Common Law-cum-Civil Law. Apparently, Hindu Law is a personal law and applicable to person and family relations only.

In the United States,

differ from state to state. A man and a woman, whose marriage was performed in a different state, will have their marriage recognized in the state they go to, provided the laws from where they came from were followed to the letter. The following are some of the requirements of state laws in regard to marriage. A marriage license is issued by the clerk of the court or the county clerk. You will be required to pay a fee for this. The man and woman must be of age. This is mainly 18 years. If they are slightly below that, the parents can consent for them to get married. Many marriage laws in the United States have this provision. The couple must provide proof of vaccination from certain diseases. This has been a highly debatable issue and, some states have removed requirement of blood tests but, many will require a test for venereal diseases while other states will require tests for Rubella, commonly known as German measles. All laws will require you to have proof of termination of previous marital relationships. This can be through death, annulment or divorce.

The laws state that the couple must be in stable or healthy mental state. This is for the purpose of entering into a contract. Many people have entered into marriages without their consent. Another thing that is vital is that the couple must not be close blood relatives. There are a lot of implications when this happens. For example, very close relatives will put their progeny at risk, not to mention other social implications. In almost 20 states, couples will have to wait for a few days for the license after applying it. This is deemed essential as the couples make their plans for the marriage. In the state of Connecticut, couples will wait for 4 days. In Minnesota, Ohio and Wisconsin, they will wait for around 5 days. In the state of Maryland and New York, you will wait for only 2 days. The best place to be is Illinois, South Carolina and Delaware where you just wait for one day.

United States is through a lawful marriage to a U.S. citizen. As a result, the Immigration Service saw many sham or business marriages. To protect the agency and the country from fraudulent applications and marriages, Congress passed Immigration Marriage Fraud Amendments of 1986.

Marriage Residence status

Marriage now results in conditional residence status unless it is more than two years old at the time of granting the immigrant status. Two year period is measured from the time residency is granted. Conditional residence status may be terminated if before the second anniversary of the grant of conditional residence, the new york Immigration Service determines:

1) marriage was judicially terminated, such as a divorce

2) marriage was entered into to gain an immigration benefit

3) the couple failed to petition (Form I-751)

The Immigration Service to remove conditions within 90 days prior to second anniversary of conditional residence or the couple failed to attend their interview, unless the noncitizen has filed Form I-751 seeking a waiver of the joint filing requirement. Conditional residence becomes permanent residence after second anniversary of status if it is not terminated for any of the above reasons.

Immigration Marriage Fraud Amendments Act covers spouses

If the new york Immigration Service suspects that an alien has entered into a sham marriage, that alien is subject to removal from the United States. For that to happen, the marriage must be fraudulent at its inception or from the very beginning.

To determine whether the marriage was fraudulent at inception, the Immigration Service looks at several factors. The question that becomes relevant is: did the bride and groom intend to establish a life together? The government looks at the subjective state of mind. However objective factors are also considered. The conduct of parties before and after the marriage is relevant. To prove validity of the marriage, the couple must present evidence which may include, but is not limited to, insurance policies, property, leases, income tax, bank accounts, etc. Additionally, the couple must be consistent in its answers to the immigration officer.

There has been lots of talking about the new laws about homosexuals now being able to marry. Yes, there has been a flood of homosexuals that have come to make that commitment to each other. We want you to know we love and support your decisions and want to welcome you to our church. There are several Christians who are against the Supreme Courts decision to allow homosexual marriages. We are not that way and we want all of our brothers and sister out there in the land of Jesus to know that when all the others have slapped you down, when you just can’t find salvation and when you are down and out, you have a home here in Vermont.

You might not think that the cornfield and the smell of pigs could be so intoxicating but it is. If you have often thought about playing the role of farmer and good subordinate church going woman than Vermont may be something you want to consider.

We do not have a website yet but we do alot of a guest preaching around the community. We know there are many families who are having issues with getting to the next level in their relationship with God if they are gay. If you are homeless or wealthy. If you are in prison or a palace. If you are working as rocket scientist or the back door at the adult movie theatre our heartds go out to you and we welcome you.

There are laws against bringing farm animals so you will have to leave those back in Missouri, Oklahoma, Texas, South Carolina, Alabama and Arkansas where the laws might be a little different. We have world class cattle, hogs, chickens and processing plants to grind em up and make meat.

If you and your partner have considered to make that commitment you might want to consider  the fact that more sexually liberated families have found a way to make it happen. We love you all and you should know that God loves you too. So come to  and learn what all of those that have come to learn and love. Our church is a place to grow and we would live to help build a church of freethinkers and open hearts.

Pastor

Curtis Jasa, R.V.Z.

Church of The Ram