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You can be Successful

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People spend their entire lives wishing and hoping to be rich because they believe that riches bring happiness. Riches can make a person happy to a certain extent but it is not the true source of happiness. Being rich is not as hard as it seems. All it takes is believing in yourself to achieve your goals. You have to see yourself rich first before anything ever happens in life. When you see yourself rich, your subconscious mind will begin to lead you on a path of success. You will make decisions based on the wealth and prosperity that is on the inside of you. There are many paths to success and prosperity. Your path may be different from the path of another person but if you keep prosperity on your mind, nothing will be able to stop you from being successful.

4 Famous Criminal Attorneys

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Have you ever noticed that when you see the news and there's some kind of serious offense being talked about, you hear the same attorney’s names mentioned over and over again? It's almost like these attorneys become celebrities in a sense. It can be for any type of crime as a drug offense, a serious criminal offense, or even a simple probation violation.

Why do you think this is? Well these lawyers have built a reputation for being the best at what they do. These lawyers are very expenses and usually only the rich can afford them. Let's take a look at some of the most famous or well known criminal defense attorneys.

Johnnie Cochran

Johnnie Cochran is best known for the role he played in getting off O.J Simpson. This was a very high profile trial and after it was over you heard this name thrown around all over the place. He is not alive anymore, but his firm still survives and it is one of the most prestigious firms in around. The name is often used in the same way Einsteins name is used to represent genius.

Mark Geragos

Mark Geragos is very good at what he does. You hear his name thrown around a lot when it comes to different celebrities. In fact he is known at the lawyer of the stars. He's been involved with cases involving Michael Jackson and Chris Brown. It's the constant media attention that make this lawyer so well known. The free publicity does a lot to make you sought after.

Gloria Allred

You have seen Gloria Allred on television, even if you didn't realize it. This is an attorney that makes it a point to be involved in high profile cases, usually ones that are extremely controversial. You can even see her on television shoes on a frequent basis speaking with random politician and other important people. She's very outspoken and she's not afraid to challenge people.

Shawn Holley Chapman

You can think of Shawn Holley Chapman as a lawyer to the stars. He's defended people like Paris Hilton and the Kardashian sisters. Shawn Holley Chapman worked with other famous defense attorneys on different cases. He's had interviews on several morning shows and you can find a wealth of information about him on the internet.

The reason these attorneys are so famous is because they were willing to put their names on the line in cases that a lot of other defense attorneys wouldn't touch. When you think of the kind of business they are in, reputation means a lot. Some lawyers don not want to be known for defending certain people or taking on cases they know are going to have a large amount of public backlash.

The attorneys mentioned above all took risk and continue to do so in order to build a name for themselves. Once they became well known this made them have to work even harder to protect the reputation they have built. Their able to charge a lot of money for their services. Anyone who works with them also has the benefit of the reputation built by this person.

Famous attorneys didn't get that way by being really good at what they do. They got that way by taking risks, representing people in tough cases, and prevailing. After that they were in demand and continue to be so.

The list mentioned in this article is small. There's several other defense attorneys you can research that are well known. Look for high controversial cases, high profile celebrity cases and any cases involving big name corporations/businesses.



How to buy a nice Home

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Second mortgages, or home equity loans, are often used for large home repair expenses that the homeowner may not be prepared for, but they're not limited to use on the home. High medical bills can be a good reason to take out a home equity loan, for instance. Some people use a home equity loan to buy vehicles or expensive equipment or appliances, reasoning that the rate of interest is generally lower than other loans. Since the interest rate is low, a home equity loan sometimes is used to make investments that pay back at a higher rate. That can be a good strategy, but it puts your home at risk.

Using a home for these purposes can be a smart move, but since the money seems easy to get, home equity loans can cause people to overextend their finances without even realizing it.

There are two basic types of home equity loans. One is a "HELOC" or Home Equity Line of Credit, which is an open end type of account where the home owner can withdraw or borrow money up to a certain amount over a set period of time. The interest rate is most often variable. The other home equity loan is a closed end loan which is given in a lump sum, nearly always with a fixed interest rate. The closed end loan is far less common than a HELOC anymore, but some banks still offer them.

No matter how a home equity loan is defined, either one is a second mortgage, and both are usually for a shorter term than the first mortgage. It uses the home itself as collateral for the loan and that causes a loss of equity as well as the possibility of causing the owner to default and even lose the home. Since this type of loan can often be for 80% or more of the value of the home, it could become a major financial disaster in a homeowner's life.

A HELOC usually has 10 year draw period, when the borrower can use the funds any way he wants to. At the end of the draw period, the balance must be repaid and there are no more draws allowed on it. This period of repayment is usually set at 15 years, with either a fixed or variable interest rate.

Before the lender makes a decision as to whether to loan the money, there will be an appraisal of some kind, whether it's done by a professional appraiser or taken from government records. If it's done by an appraiser, the owner will usually pay the fee. A house that looks nice will garner a better home equity loan because it will show that the owner takes pride in the home and takes good care of it. The lending institution doesn't want the possibility of winding up with a home that's shabby, dirty and in ill repair and someone who shows responsibility in the upkeep of a home will more often show responsibility in the repayment of a loan.

A very good to excellent credit score is necessary to qualify for either of the home equity loans. Giving the loan is a business transaction for the lender, which means that they don't want to possess the home; they want the money loaned to be paid back to them.

Some lenders will require Title Insurance while some will not. While Title Insurance is a good thing, a home must have it on the first mortgage, so having it on a second mortgage is sometimes thought of as an unnecessary expense.

When a home owner decides to take out a home equity loan, it should be well thought out in advance. Having a plan for the funds rather than frittering them away will help to ensure that the loan is kept under control and that the home won't be in danger of being lost.


HEAVEN or HELL


Romans 10:9
if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved.
John 3:16
For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.
Pray this prayer: I admit that I am a sinner. I ask you to forgive me. I believe that you died for my sins. From this day forward, help me to live every day. AMEN

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