INPUT ARTICLE: Article: " When you sign a mortgage document, there's a promissory note that lenders are supposed to keep that details all the specifics of the loan agreement. During the housing boom, unscrupulous lenders underwrote so many loan documents and filed them away or sold them off, content simply to know they had made money. Now, many of the documents cannot be found, partly because they were sent off when the mortgage was securitized. The short story is this: if the lender cannot find the note, foreclosure can effectively be postponed, if not stopped completely.  Keep in mind that the note should be available to download in your online account. Making the lender "produce the note" can be effective, especially if the lender used less-than-savory means of getting you to agree to the loan, but it's not a long term strategy for success. You can buy a lot of time if the lender can't produce the note, but in most cases you won't be able to stop foreclosure once the note is found. If you can manage to sell the house before the foreclosure of your home actually clears, you can keep whatever equity you still have invested in the home. It may be hard to sell your home on such a quick turnaround, but it's definitely possible, especially with the market heating up. Read here for more tips on how to sell your home quickly. When a property is about to be foreclosed on, a database attempts to make sure that the ownership of the mortgage — from the time you signed the papers up to the present moment — is clear and unambiguous. This way, the courts can recognize the legality of the foreclosure. Because so many mortgages were bundled into complex securities and traded on the marketplace, the chain of title is often not clear and ambiguous. If you can successfully question the database that keeps track of the chain of title, you may be able to keep your home.  The database that keeps a record of the chain of title is called the Mortgage Electronic Registration System, or MERS. It was established specifically in order to track the chain of title, a tall task given the rate at which many mortgages were being securitized and then traded. But some courts are skeptical of MERS' legitimacy. One popular foreclosure defense rests on forcing the lender to independently verify the chain of title without using MERS.  In order to save your home from foreclosure using the chain of title defense, you're probably going to need a lawyer. This may be a bit more expensive than some of the other options, but it's a defense that's quickly gaining traction. in lieu of foreclosure. If you have few other options, you can always ask the lender's loss mitigation department if they're willing to accept a deed in lieu of foreclosure. This is a document where you legally agree to transfer ownership of the deed over to the lender in exchange for the ability to walk away owing nothing to the lender. If you don't think you'll be able to hold onto your house, this option can be especially attractive if you owe a significant amount on monthly payments in arrears. You may be able to negotiate a cash deal to cover some of your moving expenses. The lender usually provides several thousand dollars for this, so make sure to ask for it if you are returning the deed.

SUMMARY: Make the lender "produce the note. Consider selling the house before the house is auctioned off. Question the chain of title. Negotiate a deed


INPUT ARTICLE: Article: You can change the name of your radio station, but it's recommended that you decide on your main name early on and stick with it. Even though your platform isn't traditional radio, you still want to create a catchy name that users will remember. Look up other radio station names for inspiration.  An internet radio station has no naming restriction guidelines or formats. However, consider playing off of traditional radio stations and including a number in your title. For example, you might call you station, 103 The Mountain. Keep your name short and easy to pronounce. Growing your listener base is an integral part of beginning your internet radio station journey.  Since your station is online, consider promoting through your social media platforms. Create a Facebook page and Twitter account for your station. Update these regularly. When you ask people to listen, make it very clear what link they need to follow. Be patient. Growing an audience takes time. You want to get the name of your station out into the world, and make people want to tune in. Make sure to promote in appropriate places.  After you create your social media pages, invite your personal social media friends to "like" them. Consider emailing your favorite bloggers and asking them to give your station a listen and a shoutout if they like. Post links to your station in places like Reddit. Host a giveaway. Getting people to tune in to your station for a giveaway can be a good way to get that initial contact and listen. Whether your radio is primarily talk comedy or heavy metal, you want to stay consistent.  You'll have to create a niche to generate a regular audience. For music, cohesion doesn't necessarily mean a singular genre. For example, you could center your station around music from the '80s and play music from a few genres. You want your listeners to know when they can expect to listen to your music and what they will hear.  Create regular segments on your station that play certain things. Update your social media with what you are currently playing or what listeners can expect that day or that hour. You'll want to have well thought out content for your internet radio station. This allows you to execute your streaming smoothly, and clue listeners in on what you'll be playing in the future. Once you gain an audience, advertisers may be interested in your station.  Because your station is online, you can reach out to advertisers in companies that aren't necessarily localized to your area. Think about your content and what kind of audience you most likely have. You want to cater to this audience. Keep ads brief. Because there are so many music streaming services available, listeners are unlikely to stay tuned in to your channel if your ads are too long.

SUMMARY: Create a name. Grow your audience. Advertise your radio station. Create cohesive content. Stay consistent. Plan your shows in advance. Start to monetize.


INPUT ARTICLE: Article: Wrap the hot pack, or hot water bottle, in a towel before putting it on. Apply the hot pack for 10 minutes at a time. As a precaution, you can use a cold pack when you start to feel irritation in your back and spine. Take a cold pack, or a bag of frozen peas, and wrap it in a towel. Apply it to your lower back for 10 minutes at a time. You can try alternating between a hot compress and a cold pack to ease the pain. Leave them on for 10 minutes at a time. Due to your spinal condition, you may be more comfortable walking with your body flexed forward. Lean on a walker or a cane when you stand and walk to reduce stress on your spine. You can buy a walker or a cane at your local medical supply store or online. In some cases, you can get a brace for your back to support your spine. Speak to your doctor about this option. You can order a custom back brace that fits you properly online or through your local medical supply store. Go for chairs that recline and have back support. Avoid chairs with straight backs, as they can make your spinal condition worse. You may swap out your chairs at home or at work to make them more comfortable for your spine and back.

SUMMARY:
Put a hot compress on your back to ease inflammation and pain. Apply a cold pack to your back to prevent swelling. Use a walker or cane to get around. Get a back brace. Sit in chairs with lumbar support.