Tuesday, 15 October 2002

Avoid Foreclosure - A Few Alternative Ways

Millions of homeowners have lost their properties to foreclosure in recent years. If you are also facing much trouble to pay off your mortgage, know some of the most easily and simple ways how you can avoid foreclosure and lower your debts. Quick action in such situations can lead you to success.

Do Not Give Up: Consider Looking For Alternative Options

Do not just walk away and let your lender come and foreclose your property without looking for any other alternative options. A foreclosure can affect your "credit ratings" and it troublesome for your to buy another house pretty soon. Moreover, if the profit you make by selling your house does not cover the due part of your credit, your lender would have the right to sue you for the rest of the amount.

Here are some of the best alternative options, which you can consider avoiding foreclosure:

• Negotiate with your creditor 
• File for bankruptcy 
• Get the help of the government 
• Sell your house

Negotiate With Your Creditor:

The moment you realize that you might face issues to pay the amount for your mortgage- properly, contact your creditor before missing any payments. Lenders have a tendency to negotiate with their borrowers because even they want to decrease the number of foreclosures they are dealing with.

Do not delay the procedure, make the call as soon as possible because your lender might change his decision and insist more on foreclosure.

Get The Help of The Government:

Government are bringing on various ways of helping homeowners with the issue of foreclosure. You can opt for the government help and get some easy way outs from this problem of foreclosure.

File For Bankruptcy:

Filing your bankruptcy might help you save your house and bring out from all your liabilities. When you file for bankruptcy, the process for foreclosure stops legally and it can only get reopened when your bankruptcy case ends and the lender get legal permission from the court to go ahead.

Selling Your House:

Apart from all the above-mentioned way outs, selling a home is the easiest way to sneak out from foreclosures. But make sure you sell it as early as possible, do not wait for your creditor to take the first step. Sell the house yourself; do not go for the agents because this would lower your profit margin. Sell your property to the companies that buy your house without considering the legal issues that includes foreclosure, divorce, mortgage etc.

Selling to such companies can keep you in benefit because they make the purchase in a very short time period and also do cash payment. So, if you are facing foreclosure, do not worry, just be a little quick and contact these companies to make the sale.

Thursday, 11 April 2002

Comparison Between Andhra's Pannakam And Mughalia Gur Sherbet

As a kid, I was eagerly waiting for the celebrations of Ram Navami at the Delhi Telugu Academy. I really relished the drink called PANNAKAM distributed to one and all present in the large hall. I usually requested for an extra glass to the man engaged in the distribution of it. He led me to the kitchen where lots of individuals were busy in the final preparations of the lunch to be served to all guests. Wow! I saw something which I cannot tend to forget in my life. I learnt how to prepare the Pannakam!


1) Jaggery-1 kg

2) Black Pepper Powder- 50 grams

3) Cold and chill Water-1 liter


Take a large container and add water to it. Add the pieces of jiggery into the water and mix well with the ladle. Add black pepper powder and mix well again. Keep it for some time and in the refrigerator. Serve it in the glasses. It is very good for health and in taste.

During the month of Ramadaan, I visited the old city of Jama Masjid. In the old galleys of this region, I was trying to relish various dishes cooked and sold to the customers. These dishes are not new and contemporary dishes. What did I observe at one of the stalls! I saw a man selling GUR SHERBET.I was inquisitive to know more about it and approached towards his stall.

My eyes could not escape the preparatory episodes of the Gur Sherbet. There was a large container filled with the dark brown colored water. He took the liquid with the help of the ladle and filled it into the glasses. He took half-sliced piece of lemon and placed it in a lemon juice extractor and squeezed the juice into the brown water. He mixed it with the help of a spoon and handed it to his customers. One such glass was handed over to me also. Ah ha! The same taste and similar flavor -this reminded me of the PANNAKAM.

Out of curiosity, I asked the vendor about the name of the drink. To my utter surprise, he said,"GUR KA SHERBET". That's it.I realized the similarities and differences between the two drinks-GUR KA SHERBET and PANNAKAM.

I understood the philosophy behind this experience of mine. Unity in diversity-no matter what kind of region we hail from, somewhere or the other, there are intersecting points for us. This can be in terms of the culture, music, traditions, food, dresses, religions, customs, etc. One cannot escape from its grip. One can experience them in some form or the other. The excellent discovery for me is the fact that I EXPERIENCED IT DURING THE RELIGIOUS CEREMONIES-RAMA NAVAMI AND RAMADAAN. Both of them are pious festivals celebrated in India with great pomp and show.

No matter what the experiences are presented to us, I learnt the following lessons:

a) Jaggery is good for health.

b) Drinks prepared from it are good for consumption.

c) It has soothing effect to our digestive tracts.

d) The taste is really good.

e) It is good for the diabetic patients also.

f) The addition of the black pepper and lemon juice adds the flavor to the drink.