A medical doctor originally from New England quit his practice in early 1999 and joined the ranks of the Internet entrepreneurs making their livings online. After a short while experimenting with highly-targeted pay-per-click advertising he discovered a shocking oversight that most every other online promoter is still very much unaware of that allows him to get literally $10 million's in otherwise paid-for advertising but for free.

Chocolates are loved the world over. Why do so many people love chocolate? Probably because of the almost unlimited variety of flavors and textures that chocolate has

The North Carolina legislature has enacted new legislation to help homeowners with subprime loans avoid foreclosure.  If a homeowner with a subprime loan defaults on his loan, the lender is now required to send to the homeowner a Pre-Foreclosure Notice at least 45 days prior to filing the Notice of Foreclosure Hearing.  The Pre-Foreclosure Notice must include an itemization of all past due amounts and other charges that need to be paid in order to bring the loan current as well as a statement that the homeowner may have options available other than foreclosure.  In addition, the Notice must also include contact information for the lender, the North Carolina Office of Commissioner of Banks and other HUD approved foreclosure counseling agencies. The intent is to give homeowners who have fallen behind on their mortgage notice before their house is actually in foreclosure that they may be facing foreclosure in the near future and that there are options available that may allow them to save their home and/or their credit score. Dan Zellers and Scott Rudd- Founding Partners Dan Zellers , originally from Ohio, earned his undergraduate degree in finance and management from Defiance College and his law degree from the University of Toledo College of Law.

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