How Do Strong Social and Community Ties Impact Your Health?

I called my friend, also named Lisa, who lives in Houston, Texas. Hurricane Harvey’s devastation had not only hit Houston, the fourth largest city in the United States, but many communities in the Gulf Coast region. According to my friend, who lives on the north side of Houston where they got no flooding except for those who were near a river or large body of water, the worst of the rain is over. People are leaving shelters scattered thought-out Harris County, where Houston is located.

Out of the 6.5 million people in the greater Houston area only about 1.5 million lost power and most all the water is drinkable. No need for ice, a valuable commodity, for many of us here in Charleston who experienced the wrath of Hurricane Hugo. Unlike Houston, Hurricane Hugo, also a category 4 storm, was a direct hit and as a result we not only got the flooding but also high winds. But no one can deny that the Houston area experienced the worst flooding in its history, with some areas getting as much as 50 inches of rain. And because Hurricane Harvey’s devastation was so widespread, it will take years for the region to recover from this natural disaster.

My friend, Lisa, who is originally from Charleston, knows about hurricanes and the emotional roller coaster they bring; the anxiety before the storm of not knowing exactly what is going to happen, the storm itself, the flooding and aftermath once the storm has passed. No doubt, you too, no matter where you call home, are aware of the horrific situation the residents of the Gulf Coast region, north of Brownsville, Texas, are now experiencing. Lives have been lost, people displaced and the uncertainty of what’s ahead. It is one thing to watch the news again and again and be reminded of the destruction and the anguish. But to just absorb the information without acting when we can help can be paralyzing and emotionally harmful.

Animals as well need help and assistance. Donate to the Houston Humane Society, which is helping animals affected by the storm. The Hurricane Harvey Relief Fund, administered by the Greater Houston Community Foundation, is another charity. You may also want to check out Charity Navigator to further ensure your donations are helping those in need.

By helping those in need, you too can benefit. Studies have shown that people with strong social and community ties tend to live longer, are less likely to report being depressed, and have a stronger a sense of belonging, purpose and self worth.

Sterility in Medicine

We are lucky to live in this century, one where medicines have been developed to combat most ailments, where we can be sure that the medicines we have are safe and sterile when needed and if we need a surgery, that the tools and equipment needed is all safe, clean and germ free.

Throughout history, they didn’t give much thought to keeping things clean and sterile, but luckily today we know that it is used to promote health and to eliminate the risk of contamination. What does being sterile mean though? Well, sterility is defined as the complete absence of any viable microorganism whether on a surgical tool, on equipment or in medicines themselves.

There are a few different ways that sterility is achieved in the medical and pharmaceutical fields. The first is using steam. This technique was actually invented back in the 1880’s by a man called Charles Chamberland. He came up with the autoclave, a steam sterilizer that used water to create steam to clean surgical tools and kill bacteria between patients. Today we still use this technique to clean glassware and surgical instruments.

What about things that can’t withstand high temperatures? In the case of sensitive electronic components, plastics and cardboard that need to be sterilized, the technique is EtO or EO, and it uses Ethylene Oxide gas as the sanitizing agent.

Another way to sanitize things is by the use of dry heat. This is used for things like needles and metal instruments that can get very hot with no worry that they will disintegrate.

But what about medicines themselves? They can’t be steamed, but they can go through the process known as aseptic processing. This takes a sterile medicine and packages it in a sterile container using flash heating. It is a task that also requires the use of clean rooms, bacteria retaining filters and dry heat. By using this technique however, drugs can be imported and exported anywhere in the world without the need for refrigeration and will be sterile when they arrive at the patient.

Sterile medicines, equipment and tools all help to provide the best care possible to us when we are sick. We don’t have to worry about contamination as the risks for it is low if all temperatures, gases, humidity and pressure levels have been accurately monitored throughout the sterilization process to ensure validity and effectiveness. Medicine has come a long way and the results are safer and more reliable than ever before.

Things To Keep In Mind When Choosing Laser Resurfacing Treatment

Gone are the days when you had to undergo invasive cosmetic surgery to take years off your skin. Today, laser resurfacing treatment helps to do away with wrinkles, fine lines, blemishes and the appearance of pores in a faster and more efficient way. Here are a few things to keep in mind, when opting for laser resurfacing procedure.

The Time When You Have Laser Treatment Conducted

Laser treated skin is more sensitive to sun exposure for at least one year after you perform the procedure. Many surgeons recommend going in for acne scar treatment and other kinds of skin treatment during the winter months. This is because, daytime hours are shorter and you spend most of your time indoors.

Laser Treatment May Or May Not Hurt

Most patients and doctors tell you that the pain can resemble a rubber band snapping against your skin. But all in all, it depends upon the area and depth of treatment, the laser and an individual’s endurance level. Some types of skin treatment require an anesthetic injection or intravenous sedation.

Choose Your Laser Treatment Professionals Wisely

It goes without saying that skin tightening, microdermabrasion or laser hair removal is the most effective and result oriented when performed by a qualified professional. An amateur won’t be able to offer accurate and desirable results. Opt for a professional based on their qualification, experience and training.

Your Skin Reacts To Certain Medications after Laser Treatment

Make sure your practitioner is well aware about your medical history and the kind of supplements and medication you are currently taking. A surgeon, who is unaware about your situation, can unknowingly prescribe medications which can cause skin reactions. It is best to keep all your cards on the table to avoid complications and speed up recovery.

Consider Going In For Multiple Treatments

Sometimes you may need more than one treatment to feel satisfied with the results. In these situations you need to be patient, take your prescribed medications and ensure you follow the doctor’s advice to the T. Once the treatment is complete, you are sure to be rewarded as the results you obtain are long lasting.

If you are thinking about going in for a laser treatment, make sure you consult a knowledgeable and well experienced professional who knows the nuances that go into these kinds of procedures. Rest assured, you get the skin you want and look younger even though age tells you otherwise.

Can You Mix Inalienable Rights With the Business of Medicine?

Actually, we think our work is done, simply by asking the question. Thomas Jefferson tossed the wrench into the process by suggesting in the Declaration of Independence that Americans should have inalienable rights including life, liberty and the pursuit of happiness.

Setting liberty and the pursuit of happiness aside, for now, generally, we divide rights into those which are natural versus legal. Clearly, we have some rights simply because they are allowed and supported by our highly malleable laws and legal system. Other rights are considered essentially independent of law, current acceptable social manner, contemporary political correctness, and leanings of the present government. These rights are seen as expected or natural. And, that which is natural or universal comes to be seen as inalienable.

Rights define our senses of behavioral freedom and sense of entitlement. They circumscribe our expectations of our behavior, that of others, and that expected of corporate entities which are often referred to as if sentient. In our civilization, a body of people of shared civil manners and rights are the bricks and mortar forming the infrastructure of morality, law, and governance we share.

From this point, you work backward. Considering government to be the arbiter, the issues pertinent to unalienable rights are then based upon the society’s decisions defining our morality. Morality is an essential element because inalienable rights generally address the “good,” by necessity defining the bad, right, wrong, and so on. Of course, different religious/spiritual groups, Atheists, legalists and the undecided regarding a source of ultimate moral authority never all agree on the “good”. Even inalienable rights are always a socially dynamic issue, including the definitions and rights pertaining to “life”.

If in the U.S. there is such an entity as an inalienable right to life, then such encompasses the inalienable right to that which keeps you alive. That is, you cannot live without attending to the needs for food, water and all that which protects you from, or is applied in response to the adverse effects of living in our world (AAOL). We do not all have access to ideal food and water, but we shall also be put that aside for now. However, what is society’s responsibility to address the AAOL on people’s well-being? If the effects of AAOL are physical and mental illness, injury, disease, and disability, then it would appear that comprehensive medical care for our citizens is the appropriate response to addressing this inalienable right.

Presume that everyone both empowered and relevant to considering the above arguments drew comparable conclusions. In that case, they would agree that every citizen should have access to comparable medical care. The challenges then become 1) access as primarily defined by the distribution of care facilities, appropriate service providers, and products, and 2) management of quality and cost of products/services delivery.

The cost of all contemporary medical products, services, and related insurance rises much faster, year over year than personal incomes and net revenue growth of the average business. So, most Americans and their employers are not prepared to handle the costs of medical care purchase directly or via insurance. Issues of access and distribution aside, government intervention to address medical care as an inalienable right then means either 1) marked cost capping and controlling consumer fees, 2) subsidizing patient payments, or 3) a combination. Capping and controlling costs would cause an evolution in the business of medicine. All participants (pharmaceutical companies, medical instruments and soft goods manufacturers, sales/distribution organizations, clinicians, insurers, IT services and others) in the industry would need to reconsider their margins, as well as their ability and willingness to remain in the medical industry. However, our government needs to control the sometimes markedly excessive and inflationary medical billing practices. Capping and controlling costs should ideally be tackled first, addressing runaway fees associated with hospital services, pharmaceutical products, surgical procedures, medical hardware, other medical technologies and insurance coverage. All components of the medical system will resist capping and controlling fee schedules.

Providing patient fee subsidies will always be fraught with inflationary excesses, deductibles and patient portions of bills would need to be eliminated. Even nominal point of service charges could always be a challenge unless the net annual out of pocket personal expenditures do not exceed the price of a visit to a fast food venue eliminate them. Otherwise, the middle and lower economic strata and their [potential] employers would continue to be obliged to choose between eating, acquisition of other necessities, employment and offering benefits. Additionally, service providers should not be allowed to bill in excess of fee schedules, writing off the excesses as tax deductions.

There are many products and services people should not expect to purchase if they have not financially successful in life to the extent of their more affluent neighbors. As such, nobody would suggest that all have the inalienable right to own a brand new luxury automobile, yacht or personal jet. However, if as a society we state that life, including full, high-quality medical care is an inalienable right of American citizens, then we should deliver it, without burdening others. But, there is “no free lunch” even regarding medical care. So what does “full, high-quality medical care for all citizens, without burdening others” actually mean? It may need to be defined in two ways: 1) products and services price caps, and 2) society attitude adjustment.

Regarding society attitude adjustment, as an example, we already provide military services to protect the entire nation without attempting to provide some stratified, sliding scale, itemized bill to each citizen. Medical services could be addressed in a similar manner. If medical businesses were all conscripted, essentially indefinitely subcontracted, to deliver care in a uniform manner (e.g., blend of active military care and preferred provider organization models), with a central payer and QA provider, maybe we could do it.

However, unlike changes in health measures, per capita, government spending on healthcare is a poor indicator of the effectiveness of U.S. medical care. Neither is ACA enrollment a measure of care delivery or effective care (e.g., see if holding a season ticket is a measure of NFL game attendance this year). Throwing taxpayer money at a series of poorly cobbled strategies is not an effective national medical care solution. Inalienable right or not, we cannot deliver broad-based high-quality medical care to all citizens via current medical business models.

Things That Are Expected From a 24 Hour Emergency Doctor

More than the regular doctor who visits a clinic or a hospital, a 24 hour emergency doctor service is essential. Medical emergencies may crop up anytime. These situations are inevitable and irrespective of the nature of the emergency, an immediate helping hand is essential. Numerous hospitals have emergency medical services like a 24 hour emergency doctor service even after the visiting hours. Though any helping hand is welcomed at the time of adversity or an emergency, there a couple of things that are expected from a doctor, regardless the situation at hand.

• Always available: Emergency medical services comprises of two different parts. First is the pre-hospital care given to a patient and this includes the first aid measures taken. It also includes the transportation of the patient from the place of emergency to a hospital for which the ambulance services are used. The second division of the emergency service involves the transfer of the patient from one hospital to another in the case of an emergency or a need of better treatment and care.

• Transparency: A long drag speech in medical jargons and a series of tests and an illegible prescription is not what is expected of a doctor. In the case of an emergency, you need a clear picture of what is happening and not a haphazard answer. A 24 hour emergency doctor is expected to be dedicated and passionate about his work and understands the mental state of not only the patient but also the people with him. Telling what things mean, and what is to be done immediately is well appreciated.

• Respects you and your emotions: An ideal doctor must be able to listen to you actively, your problems and your worries without interrupting and intimidating you. In this busy world, rushed appointments have become a common thing, and it neither benefits the patients nor the doctor. More than respecting your time, it is essential that you are able to connect with your doctor emotionally as well. A certain level of trust and confidence is essential to make things easier for both. A clear idea of the big picture is essential before coming to conclusions and taking a decision.

• Makes decisions with you and not for you: You should always be a part of any decision that is taken for you. An ideal doctor must be able to understand that you know your body and routines better than anyone else. You have the right to ask questions regarding any tests or medicines prescribed to you, and a doctor is answerable to any of your doubts.

• Shouldn’t Keep money in mind: Doctors are one the most respected people in the society. It is a service that requires a lot of ethics, commitment and passion. A doctor cannot be successful if he just money-minded. The life-saving profession should be done as a service and not as a job.

Aseptic Processing

If you go back in time, hygienic practices weren’t even heard of let alone carried out. Medicines were made primarily of plants and whatever else was on hand and even, during the Victorian period when pharmaceuticals became more main stream, they weren’t very worried about how sterile the compounds were.

Today of course, pharmaceuticals are big business and having a product delivered to a patient sterile and ready to go is the norm. We’re talking eye drops, ear drops, injectables, infusion products and the like, all things that have to remain sterile until ready to use.

By definition, something that is sterile has the absence of any viable microorganism, and the specification is unchanging and independent of the manufacturing process of the drug in the first place. To make a sterile product then, means filling and sealing the product containers under high quality environmental conditions, with care and with the same practices in place day after day.

When you are talking foods, beverages and medicines, keeping them sterile is a process called aseptic processing. This means that the sterile product is packaged in such a way as to keep its sterile rating. It is accomplished by flash heating which uses less energy than other techniques while (in the case of food) retains more nutrients. When you are talking pharmaceuticals, the ante is upped and the procedure also includes the use of clean rooms, bacteria retaining filters, and either dry or steam heat.

Some examples of food and drinks being in a sterile container include tetra juice boxes and drink pouches, but for medicines, they are stored in plastic or glass containers as these materials form a tight seal against microbiological organisms, contaminants, and degradation of the substance being carried. Using aseptic processing means you no longer need refrigeration and it makes worldwide import and export safe and economical.

Aseptic containers range in size from tiny ones that hold just a few ounces of medicine to ones that can hold eight million gallons in a tank on an ocean liner. Companies that package these medicines and the like can then send their product all over the world, knowing that once it reaches its destination, it is still a viable, sterilized product and will remain that way until it is used for a patient.

The next time you have a prescription for eye drops or have medicines administered by injection or drip, you can be sure those medicines are sterile, all thanks for aseptic processing.

Ethical Dilemmas Doctors Have to Confront

The ethics and professionalism in medicine are of core importance when it comes to the role of the physician in his code of conduct.

With the great prestige and nobility in this profession comes the great responsibility in doctor’s hand, as they have to go through quandary in situations when it comes to cases like euthanasia, abortion, making a decision of who even makes it onto a waiting list for organ transplant, quick and life-changing decisions, psychological pressure from the loved ones of the patient, the patients family blame the doctors if the patient is unable to make during surgery, they should understand that death is imminent and the doctors do, whatever they can to save a life.

The doctor must explain the procedure to the patient and give him full information about the benefits, risks, positive and negative effects, leaving up to the patient to make the choice about undergoing the surgical procedure. The doctor should not perform the surgical intervention, only taking into consideration his personal gains and benefits. His first priority always has to be the patients’ health and to act in the best interest to protect the patient from any kind of harm. The doctor should be impartial when it comes to the selection of deserving cases and their needs, and on the basis of their degree of sickness.

The one of the most important and foremost ethical concern is taking an informed consent. Informed Consent is taken in advance from the patient, it is an agreement or a gesture to permit the doctor to have his medical history, undergo examination procedure, diagnosis, treatment, and intervention. The patient should be competent, well aware; mentally and emotionally stable. In some cases, the patient in spite, of his serious condition, refuse to agree with the intervention or surgical procedure, where then doctors have to make a decision for the welfare of the patient.

The information of the patient can only be breached if:

  1. himself asks the physician.
  2. In the case of children, the information is conveyed to the parents; as they are very
    young to handle their condition.
  3. There is a need of the help of the healthcare team in solving the case. Whether, the disclosure is for the criminal investigation of crime or harm to others, assault case, protecting the vulnerable; such as in child abuse case.
  4. For research purposes but only as anonymous and after taking consent from the patient.
  5. When it comes to public interests it may be breached when a patient has a highly contagious disease such as tuberculosis; the doctor has to inform the patients family so that precautionary measures can be taken. If the patient has a sexually transmitted disease, let’s say HIV which is a communicable disease, the doctor may disclose his disease to his partner in order to protect from the risk of getting the disease.
  6. State registries where officials keep track of cases like diabetes, cancer, HIV/AIDS, Alzheimer disease, Amyotrophic lateral sclerosis, and many other diseases.

It is the duty of the doctor to act in his best interest while dealing with a case, abide by the principles in common clinical situations, and work in the beneficence of the patient and do no harm in the treatment procedure.
The common ethical conundrums that doctors’ have to face in their course of profession:-

1- Euthanasia:

Euthanasia or physician-assisted suicide is considered as one of the supreme problems when it comes to ethics of patients treatment. The decision of euthanasia by the patient or his family is made in order to reduce the suffering of the patient in his terminal sickness. It can be voluntary or involuntary. When the patient makes a decision, it is voluntary. When the physician makes a decision it is involuntary. However, may it be voluntary or involuntary, it is unethical.

The World Medical Association issued the following declaration on euthanasia:-

“Euthanasia, that is the act of deliberately ending the life of a patient, even at his own request or at the request of his close relatives, is unethical. This does not prevent the physician from respecting the will of a patient to allow the natural process of death to follow its course in the terminal phase of sickness.”

2- Staying within their boundaries:

Doctors have to work long hours, off work, and even operate in odd hours in hospital settings and have to treat patients irrespective of their age, gender, and other attributes. They have to work in coordination with other staff members, the nurses, anesthesiologist, interns, assistants and many related members. Personal relationship or intimate relationship between the doctor and any other member like, his fellow, intern, other staff member is unethical and is prohibited. Patients often offer gifts to the doctors when their treatment intervention has been successful, or when the surgery goes well. It is quite fine, to accept those gifts as long as they are in the form of sweets or bouquet. The patient who brings gifts during the intervention may cause trouble, it may be the sign the patient needs more of the doctors’ attention. The physician should simply show reluctance to such presents and should not accept them by justifying that its’ against the ethics of their respective field.

3- Organ transplant:

Unfortunately, the availability of the transplant organs is far less, than their demand. Doctors have to make a tough decision here, that who will receive the next available organ and who will not, keeping in view the whole scenario, and what criteria is used for determining the donor. The surgeon should opt to give the transplant organ to the deserving patient on the list, on the basis of his health condition.

The physician should be approachable, equitable, able to communicate effectively and compassionately respecting the dignity of the patient regardless of his race, ethnicity, cast, choice of lifestyle. He should be dedicated to his profession, attenuate the pain of the patient by all means, preserving the health and enhancing the quality of life.

What Is Olympics Cupping Therapy?

Through Olympics cupping, designed for athletes you cannot only enhance your blood flow but at the same time reduce muscle tension and promote the cell repair. It is even beneficial for connective tissues and aids in the formation of new blood vessels present within them. Athletes make use of cupping services by sports physiotherapy centre to heal a host of conditions and aliments.

Different Types of Cupping
In the ancient era, cupping was performed with the help of animal horns. Later different cups made up of ceramic and bamboo evolved. Effective suction through these cups was possible with the use of heat, the cups were first heated in fire and then applied. Once they were cooled, they drew the skin due to pressure difference.

Modern cupping utilize cups that are crafted from glass and are rounded like balls. The two main types of cupping include:

• Wet Cupping
• Dry Cupping

In wet cupping a combination of medicines and suction is used to treat the patient, while for dry cupping only the suction method is implemented. Your preferences, present condition and the problems that you are going through help you choose the appropriate one.

What To Expect From Olympics Cupping Treatment
During the treatment, a specialized cup is placed on the skin and the vacuum sucks the muscle upwards. This creates a pressure onto the vessels, allowing the muscle to relax and relieves tension. The cups are usually allowed to settle for a period of 5 – 10 minutes after which they are removed and placed at another part of the skin. The process continues until a particular segment of the body has been rejuvenated by the cupping session.

To help athletes make the most of it, practitioners combine the power of cupping along with acupuncture to treat skin issues, digestions and other associated problems.

Cupping is able to cure a wide range of conditions that athletes often suffer at some point or the other and these include
• Facial Paralysis
• Lumbar disc herniation
• Herpes Zoster
• Cervical spondylosis

The best part about this therapy is that it has zero side-effects or risks, allowing you to attain a perfect body without any complications.

But, before you begin with your cupping session do make sure that you consult with qualified practitioners about your conditions, past medical records and your expectations from the treatment. Because this ancient integrative medicine requires the support of both practitioners and patients in order to achieve successful results.

Myalgic Encephalomyelitis Recovery Testimonial

In 1989 I was medically diagnosed with Myalgic Encephalomyelitis or Chronic Fatigue Syndrome, due to chemical poisoning from pesticides such as 245-T, Network, Roundup, Asulox and Malathian and heavy metal poisoning from Mercury (due to toxicity from amalgam fillings in my teeth), aluminium and lead.

After consultations with many doctors, specialists and natural health therapists, including Homeopaths and Acupuncturists, I was told that I would never regain normal health again due to the length of time I had been ill with Myalgic Encephalomyelitis. At that time, I wasn’t able to work, couldn’t sleep at night, had no energy and reacted to almost everything I ate!

I was getting pretty desperate at that stage to get my health, life and career back to normal when I met Philip Rafferty while he was doing allergy testing in a health food store. As I already knew of my allergies, I thought I would put him to the test. You can imagine my surprise when in a couple of minutes of using Kinesiology; he was able to correctly identify what my allergies were.

My life at that time had been a real struggle. I had just undergone two years of medical treatment and was taking all the right remedies and nutrition; however, I was still suffering from extreme fatigue, hypoglycaemia (low blood sugar), chronic Candida, food allergies, poor concentration, short term memory loss, acne and had very little energy. I then decided to have several Kinesiology treatments, and to my surprise, I started feeling much better.

Kinesiology Got Rid Of My Allergies, Lots Of Health Issues And My Myalgic Encephalomyelitis
To help me understand, Philip explained that Kinesiology encompasses holistic health disciplines that use gentle manual muscle monitoring to obtain information about a person’s well-being. It may assist with pain, stress, allergies, TMJ problems, toxicity, heavy metals, candida, dehydration, learning, sabotages, and more. Kinesiology realigned the muscles in my body, and as the muscles are connected with the organs, puts the organs back into balance, and this allowed my body to assimilate nutrition and water properly. He said that by putting the muscles back into balance, that my body would be able to heal itself from Myalgic Encephalomyelitis.

While my muscles were out of balance, my body was using up all its energy just trying to function on a basic level, therefore leaving me with no energy to do anything else. After several Kinesiology treatments my food allergies reduced, my blood sugar came back to normal, the severe cystic acne on my face cleared dramatically, I started to gain weight and I had a lot more energy.

Amazing Results Recovering From Myalgic Encephlomylitis Lead Me To A New Career
At the time of seeing Philip Rafferty he started teaching Kinergetics, a new modality of Kinesiology here in Melbourne, Australia and asked me if I would be interested in learning this for myself. After having such amazing results and a full recovery from Myalgic Encephalomyelitis due to Kinesiology, I was curious to find out how it actually worked and why.

I found learning Kinergetics absolutely fascinating. After completing the whole series of eight levels of Kinergetics, I then trained to become a Kinergetics Instructor and began teaching Kinergetics in 1994.

Always interested to learn and grow more, I went on to attain a “Diploma on Health Sciences in Holistic Kinesiology” at the Kinesiology College for Energetic Sciences in Carlton, Melbourne, Australia.

I love practicing and teaching Kinesiology and Kinergetics, and seeing the life-changing results in my clients and mentoring students. I continue to work using my Kinesiology skills and knowledge using Transformation Coaching working with many people all around the world.

I work with clients with a broad range of issues relating to Myalgic Encephalomylitis, Chronic Fatigue Syndrome and Lyme Disease including resolving allergies, candida, heavy metal toxicity, emotional issues, stress, pain, TMJ, dehydration, sabotage and much more.

Hardship Letters for Loan Modification

A hardship letter for loan modification will paint a picture of your family’s current financial position. This is the individual’s opportunity to explain the circumstances that caused the hardship and the additional steps that have been taken to deal with the problem. A good hardship letter tells the lender whether your family has experienced an acceptable hardship and can assure the lender that if given the opportunity (modified payments), the individual(s) would be able to continue making the home loan payments on time going forward. Hardship letters are a pivotal piece of a successful loan modification, but most individuals do not have the knowledge of what an effective hardship letter should include.

First, describe the hardship and the circumstances that caused it. The letter should include the approximate time frame that you first began to experience difficulties. This should coincide with any late payments the individual(s) may have experienced. Additionally, the letter should include the steps have been taken to correct the situation. Provide the lender with the plan to get back “on track” and stay there. The hardship letter should assure the lender that you are a responsible homeowner who needs a second chance and that you are very motivated to save your home. There are other factors that should be included in the hardship letters for loan modification that are seldom considered. Individuals should briefly discuss their children’s school or sports activities and church involvement. Lenders are concerned about maintaining the integrity of neighborhoods and communities. Therefore, facts regarding community involvement are beneficial.

Thousands of homeowners are faced with the question: “how do I best tailor my modification letter”. The way the individual decides to deal with their current situation makes the difference between success and failure. In many cases it may be well advised to do research to find an experienced modification company to work with the lender on your behalf. Writing a convincing letter is just one part of the loan modification application and process. You will also be asked to show your income documentation and complete a financial statement. Before contacting your lender about a modification do your homework and contact a modification specialist.