$125 MILLION SOLD BELLAMAK.COM BELLAMAK.COM 602-799-1186 602-799-1186 602-723-0400 602-723-0400 Traci Bellamak Traci Bellamak Realtor® Realtor® Buyer Specialist Buyer Specialist Shawn Bellamak Shawn Bellamak Designated Broker Designated Broker Listing Specialist Listing Specialist If you have tried to modify your loan, if you have discussed the situation with your CPA and/or attorney, if you are ultimately facing foreclosure... a short sale may be the right approach for you to take. I am personally negotiating 18 short sales right now and they do close. I already have the answers to questions you are pondering right now. You don’t have to get gobbled up by the foreclosure pac-man. A successful short sale can mitigate your loss with the banks in a dignified way, helping you out from under your hardship on your way to credit recovery. A short sale, in most cases, does not affect your credit as much as a foreclosure will. You need better advice, especially on something this critical. Talk to a real estate agent who has walked in your shoes. I will help you. I have personally, successfully shorted Nationstar, WAMU, AHMSI, Chase, EMC, Ocwen, Wells Fargo, Wachovia, Flagstar, CitiMortgage, First Horizon, OneWest, GMAC, Provident Funding, IndyMac, Bank of America, Select Portfolio Services, CCO Mortgage, Bank United, First Tennessee, Bank United, National City and collection companies. When you need an expert short sale negotiator, call me directly at 602-723-0400. I never use third party negotiators to do this very crucial work. I handle it all myself. DON’T FIGHT DON’T FIGHT THE THE BANKS ALONE BANKS ALONE WE ARE THE #1 SOURCE FOR SHORT SALE INFORMATION LET’S GET THIS LET’S GET THIS MONKEY OFF MONKEY OFF YOUR BACK IN 2011! YOUR BACK IN 2011! at Stoops, Denious, Wilson & Murray, PLC. 602-274-7700 or mdenious@stoopsazlaw.com For any legal questions, please contact: Michael T. Denious
Page 43 February 2011 Tips Continued from page 41 airfare, as well as your accommodations for the year (generally an apartment near the school). Utilities and Internet are usually paid for by the teacher. Health insurance is split by the employer and the teacher, but only if the teacher wants it. Salary hovers around $2,000 a month (depending on your major and experience), with an extra month’s bonus pay and pension after the one-year contract has been ful fi lled. Pick an age group English teachers are needed for students in kindergarten, middle school, high school and college, as well as for businessmen and large companies. A preference in what age group you wish to teach will narrow down the scope of possible employers. Pick a schedule Work schedules vary by morning, afternoon and evening classes, depending upon the age of the students and their availability. It’s possible to work from 8 a.m. to 3 p.m., or 4 p.m. to 10 p.m. Some schools require teachers to work Saturday mornings, while others don’t have class on Fridays. Choose a contract length Most contracts tend to be for a year, though six-month contracts can be found in many countries, usually with fewer perks. South America is known for being a great place for backpackers to earn money Continued on page 41 MIKE CASLEY 602.300.2730 The Best Boutique Real Estate Company in Arcadia casleyhomes.com THINKING ABOUT LISTING YOUR HOME AS A SHORT SALE? ATTEND A FREE FREE SELLERS SHORT SALE EVENT 2/19/11 Understand tax, financial and credit implications. Call to reserve a seat or schedule a private consultation. Register online today! www. RidefortheChildren .com 602.482.5800 65 Mile Challenge – This fully supported metric century loops into Paradise Valley and continues north through Scottsdale to Carefree and back. 25 Mile Scenic Ride – The course is mostly flat and winds through the beautiful backroads of Paradise Valley. 10 Mile Family Ride – This flat and easy course is the perfect choice for first-time riders. There’s even a rest stop where you can feed camels and emus! The event is supported by the Scottsdale, Phoenix and Paradise Valley Police, bike mechanics and a SAG wagon. There’s also food and water stations every 10 miles. Participants receive a post-ride breakfast and a Ride T-shirt! There are over 15,000 homeless children attending schools in Maricopa County. One great ride gives you the opportunity to benefit these children. Registration is only $50 until March 31st. Children 12 and under are just $25. April 23, 2011 Ride 65, 25 or 10 Miles Contact Tom Sylvester at ext. 2227 or tom.sylvester@pcds.org Phoenix Country Day School &4UBOGPSE%St1BSBEJTF7BMMFZttXXXQDETPSH N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G years of excellence 8&&,4&44*0/4+6/&+6-: 4DIPPM"SU$MBTTFTt%BZ$BNQt4QPSUT0GGFSJOHT 8)"58*-- YOU $)004& SUMMER PROGRAMS PHOENIX COUNTRY DAY SCHOOL