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Finding the Right Cameras for Nature and Underwater Photogra
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MessaggioInviato: 12 Dic 2019 04:03:12    Oggetto:  Finding the Right Cameras for Nature and Underwater Photogra
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Finding the Right Cameras for Nature and Underwater Photography
Posted by universalposition on February 23rd
, 2016


Photography for some is more than just pointing and clicking—it is a passion and an art! Like any other art, in order to produce the best pieces possible, you need the right equipment. For photography, this means the right camera, lens and accessories.

High Quality Cameras and Lenses for Nature Photography

When looking for a nice photography camera and lens for nature photography
, you are going to want to look at lenses with a good amount of zoom so you can capture nature at play without having to get in too close and scare animals away. You also want a camera with good autofocus and speed shooting capabilities. The right nature photography camera will allow you to capture landscapes, moving water, animals or whatever part of nature that you are trying to take photos of.

The Mysteries of the Marine World

When it comes to taking photos of marine life, you'll find that there are different goals and needs. You'll need the best marine photography camera that you can find within your budget and you'll need to make sure that whatever camera you choose is able to shoot underwater. The last thing you want to do is throw away hundreds of dollars on a high-end camera and then ruin it by getting it wet. You'll also want to make sure you are using a smaller and lighter weight camera so you don't have issues while you are scuba diving.

Whether you are looking to take photos above ground or underwater, you want to make sure you buy a high quality camera that will help you to make sure the photos that you are taking are the best possible. For an amazing selection of different nature and underwater cameras
, be sure to check out




Mortgage servicers are middlemen who process the mortgage payments from homeowners and direct the money to the banks or investors who hold the loans. With the current problems in the mortgage market, banks and the federal governments have reached consensus to help homeowners, but often the mortgage servicers, having the ultimate power to modify a mortgage, refuse to "play ball". Further
, they are increasingly turning to consumer abuses to collect mortgage payments, at a time when working with and helping out distressed consumers would obviously be in everyone's best interests.

Mortgage servicers are sometimes stand-alone companies, but sometimes are the branches of major banks and lenders. Brennan, Wiener & Assoc. handled a case recently against Wells Fargo Home Mortgage, in its capacity as a mortgage servicer servicing a mortgage first belonging to GE Capital
, and then later to Freddie Mac. A San Bernardino, California jury returned a verdict to the plaintiffs for over $800,000.00 for a two-year pattern of false credit reporting. Fisher v. Wells Fargo, San Bernardino Superior Court Case No. RCV 074 822, currently on appeal at the California Fourth District Court of Appeal.

What the Fisher case teaches is that major banks like to collect the fees from mortgage servicing but do not want to put any actual money into customer service or straightening out problems. Mortgage servicing is all automated
, and if you really want to wait on hold sometime, try calling your mortgage servicer to straighten out a problem.

Other lawsuits and attorneys general have become aware of this growing problem. Recently, lawsuits alleging loan modification delays and illegal collection practices have been brought on behalf of consumers by both private attorneys and by attorneys general. Recent studies reported that at least 38 mortgage servicers had been sued for charging illegal fees, forcing homeowners to buy needless insurance, illegal collection practices
, confusing customers about the federal loan modification program, and foreclosing on homeowners with pending loan modification applications. Additionally these mortgage servicers also have been criticized for not helping homeowners promptly, causing homeowners to pay more late fees which work out beneficially for the companies.

President Barack Obama announced the Home Affordable Modification Program, in March 2009, to help an estimated 4 million homeowners avoid foreclosure. Under this program
, mortgage servicers will earn fees to help homeowners facing foreclosure reduce their monthly mortgage payments. The mortgage servicers are the only link between borrowers and banks or investors and therefore they are in the best position to modify the loans under this new program. The objective is to adjust mortgages so homeowners' payments remain affordable.

But, in a proverbial sea of exploding adjustable-rate mortgages that homeowners cannot afford, only about 200,000 mortgage loan modifications are under way. The mortgage servicers don't have enough financial incentives to modify the mortgages as they only earn on average of 录 to 陆 percent of the value of the loans they service. Added to this is their natural incentive to keep costs down by understaffing their loan modification divisions and their customer service divisions.

The larger the mortgage payment, the more the mortgage servicers earn
, and they earn less if the loan is modified, which frequently involves lowering the interest rate or taking other steps to reduce monthly mortgage payments.

An analysis by the Associated Press shows that of the 38 servicers that are being paid by the government as part of the federal loan modification program, 30 are facing lawsuits for charging illegally high fees, prematurely foreclosing on homes and engaging in illegal collection practices. These are violations of laws protecting homeowners in foreclosure and laws that prevent credit reporting and debt collection abuses. Fourteen of these companies have suits against them for misleading homeowners about their eligibility for the loan mod.
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