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July News
Today is:

My Check Engine Light Again!

Since I live in the wilderness (tongue in cheek), the last mile to my house is gravel road. During the dry times my car's under carriage and back window get coated in dirt. There is some sort of device that helps with pollution control that gets plugged with dirt. When that happens my check engine light comes on. I had it fixed several times but it always just lasts a few weeks and then the light comes on again.

I have decided not to fight it but just let the check engine light stay on... but then what if something serious comes up? Then I heard about CARMD www.carmd.com.

"CarMD simply plugs into a port found inside your vehicle - click here to find out where yours is. Using the same technology as those $5000 scan tools found at a local repair shop - CarMD reads powertrain (Check Engine - vehicle sensors), body (ABS - brake system), and chassis (SRS - safety system) codes. Connects to both PC and Mac to link to CarMD's unprecedented and award winning fix database."

I bought it and plugged it in and this is the report it generated!

As you can see it not only gives you the problem but the suggested solution and estimated cost in your area by zip code.

Let's save money out there!

Timothy J. Kilkenny
Founder & CEO


Find out if you live or work near a Fatal Traffic Accident Hot Spot.

The Risky Roads map shows which roads and highways have the most traffic fatalities. Using data from the National Highway Traffic Safety Administration, Risky Roads maps the concentration of fatal traffic accidents that occur within 1000 feet of one another. The result is a heat map that shows the nation's worst hot spots for traffic fatalities.

Risky Roads at www.RiskyRoads.org is a Google Maps mashup that no one should leave home without, it does exactly what you'd expect. It takes traffic accident and safety data and maps it, so you know exactly which spots to avoid. Some of the data is older, but the roads are unlikely to have changed. If you see a big cluster of dots, you'd do best to steer clear of that area.

Happy Surfing From Your Friends at FullNet!

Roger Baresel

Mortgage Relief?

New statistics have shown that Oklahoma foreclosures have increased 45 percent over the past year to a rate that is more than two-and-a-half times the national average. The new figures place Oklahoma's foreclosure rate as the thirteenth highest in the nation.

While things are getting better...this does mean a lot of us are still having less than an easy time. There are a couple of things that may help and are surprisingly easy to get started with.

An official program of the Departments of the Treasury & Housing and Urban Development can be found at http://www.makinghomeaffordable.gov where there are a few forms that can be completed on line and mailed to your mortgage company. It is designed for those that are behind on a few payments, but that is not a requirement. You can be current but struggling or in trouble. The program requires your mortgage company to re-evaluate your terms and payments based on what the government thinks you can afford.

If you are already behind and trying to catch up on payments you may be able to receive a zero interest forgivable loan that pays past due mortgage payments, including missed payments and past-due charges, for up to a maximum of $50,000.

The EHLP (Emergency Home Owners Loan Program) is designed to provide mortgage payment relief for qualifying homeowners who have experienced a drop in income of at least 15 percent due to circumstances beyond their control, such as unemployment or underemployment due to adverse economic conditions or an illness.

Money Management International (MMI) is approved by the U.S. Department of Housing and Urban Development (HUD) to qualify homeowners for HUD's Emergency Homeowners' Loan Program (EHLP). They can be found on line at http://www.moneymanagement.org. The deadline for filing the pre-application worksheet is July 22...so at least get the application started now. You can go directly to http://resp.survey01.net/servlet/survey?surveyId=MjU0NTcS1 and start the process today.

Don't pre-judge or assume what qualifies. Either site could very well change your payments or get you back on your feet and you never know until you ask. These are just a couple of ways to ask without having to talk to a person or explain things you might not feel comfortable talking about.

John Secondi
FullNet Customer Service Manager

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