In an effort to help distressed homeowners, Arizona attorney general Terry Goddard is asking mortgage lenders to set up streamlined modification plans for their mortgage customers. This is similar to what Countrywide recently rolled out to their mortgage customers. In addition to AZ, there are 9 other states such as California, Ohio, Illinois, and Texas. According to The Phoenix Business Journal, the lenders these states are approaching are Wells Fargo Home Mortgage, JPMorgan Chase, Morgan Stanley Home Loans, HSBC Finance Corp, Citigroup, and American Home Mortgage Servicing Inc.
I am not sure why all 50 states are not apart of this action, however it seems like a logical way to start putting a dent in what is going on with all the bad loans on the books. I hope we will hear more about this, because this might be one of those occasions where we WANT the government to get involved.

According to The East Valley Tribune Saturday, Scottsdale City Council has voted to impose tougher regulations on payday loan stores that are in Scottsdale, AZ. This was imposed to try and decrease the number of stores in the city. The Scottsdale City Council had agreed to implement minimum distance requirements between these payday loan stores. The specifics of the new restrictions will be determined in upcoming council meetings. Mayor Mary Manross had previously requested the council to pursue new regulations, saying she wanted to avoid an increase in stores that do not “lend themselves to uplifting neighborhoods and centers.” Also, Proposition 200 will be voted on by the public in November to determine whether to allow payday loan operations to continue past their current expiration date of July 1, 2010.
Should Scottsdale be able to control the number of payday stores doing business in it’s city?

I am an election board worker at my local polling place, and every year when it gets closer to election time I get excited and a little concerned as to what changes there may be for the  election that I am working. Changes in the law happen every election, even if it is only from September to November, and there are so many laws to remember. Which party can vote this ballot, what time do we open/close the polls, what happens if someone gets sick while working and many other things that may or may not happen.  I always enjoy the day and really have fun mostly when handing out stickers that say “I voted today” to those who voted. Some people even ask for the stickers when they don’t get them right way. Those sticker shows everyone how proud they are to have voted every year when a Senator, Congressman, or Representative gets elected.

To me when I hear people complain about things I often wonder if they are doing something about it. The best way to make your voice heard is to get out and vote. Don’t sit and complain and then if things don’t get better or change think that you can’t make a difference. Every voice heard is one more for change. In Maricopa county we had a large number of independent voters attempt to vote in the Presidential primary and I don’t think that has happened in the past. they were not allowed to vote because it was a party preference election but they still came out to make their voices heard. They wanted to make a difference whether it mattered or not in the final count. It mattered to them.

To make sure that you are registered to vote check with your local recorders office. Also make sure that your records are up to date so that you don’t end up going to the wrong place to vote and have to travel to another polling area wait in another line and then vote.  Next step is to make sure you know where your local polling place is. That information is vital to voting as well as knowing if you are registered.  You also need to check to see what kind of ID is required. In Arizona you need 2 forms of ID.  Remember what dates your elections are on. All elections should be listed on your local recorders web site.  It is very important to learn what you can about the candidates. You want to be an informed voter and not just vote for someone just because you “think” they will do a good job.  You can always volunteer to be a poll worker. Since you are going to the polls anyways. You get to meet your neighbors and I know I always have fun. I get to work at my daughter school so we always eat lunch together. Most important is to get out and VOTE! It can make a difference.

http://www.canivote.org/

MicroClick Ads Turning Affiliate Marketing Upside Down, Reports LeadPile

Phoenix, Arizona -July 8th, 2008 — Within three weeks of announcing the introduction of their new “MicroClick Ads”, LeadPile has created quite a buzz in Affiliate Marketing Circles throughout the United States, Canada, and the UK. Leadpile, The World’s Largest Online Exclusive Lead Marketplace, or Lead Exchange, has reported that the MicroClick Ads have contributed to a 17% increase in production for selected Lead Publishers, and have helped LeadPile to continue its position as the leader in the Lead Exchange Revolution.

What are MicroClicks? Simply put, MicroClick Ads are very small single page mini sites that open a new window enabling Affiliate Publishers to have much more control over their own sites than with “Old Fashioned Affiliate Programs”. The MicroClick ads are a tremendous innovation for Publishers desiring to monetize their traffic. To see what everyone in Affiliate Marketing is talking about, please visit http://www.leadpile.com/microsites.html

The MicroClick Ads give Publishers total control over their own site giving them more compelling monetization opportunities for their content.  For the first time ever, Leadpile’s MicroClick Ads place Publishers in total control of their own sites, and their own income because MicroClick ads are located their own Websites, and secured on Leadpile’s Secured Servers. MicroClick Ads have been designed for those Publishers knowledgeable with HTML and JavaScript, and those who are not. Inserting the MicroClick ads into a website is fast, simple, and easy.

Andy Jacob, Founder of Leadpile, says “There is absolutely no limit to the number of MicroClick Ads a Publisher can place on a site. All they need to do with their site is to target each keyword that they want, add the simple code automatically provided by the LeadPile System, and the LeadPile Lead Exchange does the rest. Jacob says, “This could be a game changer for Affiliate Marketing as we know it.”

About LeadPile:

Leadpile, the World’s Largest Exclusive Online Lead Marketplace/Lead Exchange, offers the Lead-Gen “Space” the Largest, centralized location for Buyers and Sellers of Exclusive Leads to engage in an exclusive  Lead Exchange, or Lead Marketplace. The Leadpile Marketplace allows the Originators of Leads, and the Lead Buyers themselves, to decide what price they are each willing to sell, and buy, their leads at, and the way in which the lead delivery will take place. Visit LeadPile at http:///www.leadpile.com , or visit the Lead Exchange Blog at http://www.leadpile.com/lead-exchange-blog.

Payday lenders in Arizona should be open for business until at least 2010. Yesterday, a group called Stop Payday Loans withdrew their proposal to shut down Arizona’s payday-loan-industry. They needed at least 153,000 signatures to get on the November ballot, and they were only able to collect 30,000 signatures. The group now says they will focus on reform rather than on repeal. Things could get interesting as we approach for 2010, but for now let’s hope ethical, helpful, non-predatory lending will continue.