Are you facing a financial hardship and finding it hard to make your mortgage payments? If you are delinquent or are at risk of getting into trouble due to unaffordable mortgage payments, then you may be eligible to apply for President Obama’s Federal loan modification plan. The first step is to find out if your lender or servicer has been approved by the Treasury Department to offer this government program. Here is a list of the authorized lenders, see if yours is listed:

Aurora Loan Services, LLC.

Bank of America, NA

Bayview Loan Servicing, LLC

CCO Mortgage

Carrington Mortgage Services, LLC

Chase Financial, LLC

Citimortgage, Inc

Citizens First Wholesale Mortgage Co.

Countrywide Home Loan Servicing LP

First Federal Savings and Loan

GMAC Mortgage LLC

Green Tree Servicing LLC

Home Loan Services Inc

IBM Southeast Employees Federal Credit Union

Lake National Bank

National City Bank

Nationstar Mortgage LLC

Ocwen Financial Corporation, Inc

RG Mortgage Corporation

Residential Credit Solutions

Saxon Mortgage Services

Select Portfolio Servicing

Technology Credit Union

Wachovia Mortgage FSB

Wells Fargo Bank, NA

Wescom Central Credit Union

Wilshire Credit Corporation

Did you find your lender or servicer? If you did, then you should contact them and ask to be considered for the federal loan modification plan called “Making Home Affordable”. This federally subsidized loan workout program features modified mortgage terms designed to give borrowers a payment they can afford and help them to avoid foreclosure. Under this program, you could see your interest rate reduced to as low as 2% for 40 years and possibly have part of your principal balance deferred or forgiven.

President Obama has included a pay for success incentive, so that lenders will receive an upfront payment from the Treasury Department for each loan modified using this plan. In addition, lenders will be subsidized for lost revenue resulting in lower interest rate yield caused by the modification. Homeowners will also be paid on annual bonus of $1000 for keeping the new payments current. This amount will be credited to the loans principal balance for the first five years, for a total success bonus of $5000.00. These payments were implemented to really encourage banks to actively modify as many loans as possible to help lower the foreclosure rates that are putting a strain on our economy.

You do not have to be delinquent to qualify for this aggressive government loan modification plan-in fact lenders will receive a special incentive payment for each loan they modify before it becomes late. As long as you are facing a financial hardship situation and you can prove your income, you may be able to qualify for help using this plan. You must live in the home as your primary residence, and your loan must have been originated before January 1, 2009 and have a balance of less than $729,750.00. Your loan does NOT have to owned by Freddie Mac or Fannie Mae to qualify for the modification plan.

If you did not see your bank listed, don’t give up. New lenders are being approved everyday, and most are accepting applications from interested borrowers while they await their formal Treasury Department approval. You should use this time to learn more about how the plan works, and find out how to complete your application paperwork so you have the best chance of qualifying.

APPLICATION TIP: The secret to successfully getting your loan modified using President Obama’s federal loan modification plan is to prove that you meet the program’s approval criteria. There are standard guidelines that must be met-either you qualify or you don’t. But you can make some minor adjustments to your budget and financials so that you have a very good chance of meeting those guidelines-you just need to know how to prepare your application correctly.

The history of the ATM dates back to New York City in 1939 when inventor Luther George Simjian got a bank to publicly try the machine. The effort failed due to lack of customer interest at that time. In 1960 a bank in New York City had a cash machine predecessor (the Bankograph) installed that would free up tellers by accepting utility bill payments.

The next automated cash dispenser development occurred in 1964. An electronic ATM was set out in North London (UK) but it was very different in operations than modern equipment. This machine would dispense ten pound sterling amounts of cash in exchange for a teller purchased voucher.

The current machine style was a creation of British engineer James Goodfellow. In 1965 he patented the cash machines that were the forerunners of what we use today. There was one type of ATM introduced in 1968 that always ate the prepaid plastic card and users would then have to buy a replacement from a teller.

In 1969, Donald C. Wetzel developed for Docutel the first machines utilizing the cards with magnetic strips. Since Docutel was the first company to get a patent for this type of machine, the Smithsonian Museum gives them credit for being the originator. The public still had problems with accepting and trusting money machines. The machine proved to be very costly to operate.

Docutel led the way to the modern ATM machine in 1971 when they produced a full-function ATM called Total Teller. By 1973, these machines were capable of issuing cash in variable amounts. By 1974 the online networking component was added which led to ATMs as we know them now.

Today automated cash machines are more common than drinking fountains and are so prevalent they are very easy to locate. They are found worldwide, even as far away as Antarctica. The ability to use a small plastic debit or credit card to withdraw cash as desired or needed from these machines is just so easy. Some banks use ATM stations for speed and convenience, replacing regular human tellers. The popularity is not surprising considering the convenience. Consumers no longer be concerned about carrying cash, a stack of credit cards, checks or other financial instruments. ATM machines can be adjusted for ticket selling, concert ticket sales and gift certificates.

What did businesses and the public do before the invention of the ATM machine business? Prior to the availability of ATM machines for sale it was necessary to make a trip to the bank during regular business hours for a cash withdrawal. Another alternative was to carry personal checks around and overwrite the amount at the grocery store or other locations that might allow that type of transaction.

There is a growing ATM machine business opportunity for those willing to bring a machine into their store or business location. Modern automated teller machines can access many different interbank networks. Most banks and retail outlets make money by charging a usage fee when the ATM is used.

The cell phone is one of the coolest new features in Grand Theft Auto IV. Simply push UP to bring up your cell, and then push UP again to view the keypad. From the keypad, you can now devastate Liberty City with your arsenal of cheats.

Many of the cheat codes that you can enter may prevent you from activating several achievements in the game, so you won’t really want to use them on your ‘proper’ save game. Start up a new game & pop in these phone numbers and you can instantly feel like a gangster!

Punch in 4865-550-100 to unlock the Weapons Tier 1 cheat. This cheat will activate the baseball bat, handgun, shotgun, MP5, M4, sniper rifle, RPG, and grenades for you to create instant destruction. Or try 4865-550-150 for the 2nd tier of weapons which include the knife, Molotov cocktails, handgun, shotgun, Uzi, AK47, sniper rifle, and RPG. Both tiers of weapons will provide you with hours of non stop mayhem!

Want to look around Liberty City before you open all the islands? Type 3595-550-100 in to your cell phone to spawn an Annihilator police helicopter. Watch for other helicopters as the Police & Army will be hot on your tail. But the Annihilator has weapons on board so give them back a taste of their own medicine for giggles.

Need a car in a hurry? Niko can call up many different vehicles via his cell phone. Dial 227-555-0100 to instantly spawn a FBI Buffalo or for a Super GT try 227-555-0168. If in need of a water vehicle dial 938-555-0100 to receive a Jetmax for that wet getaway. If you would rather strap on your helmet and tear off on a Sanchez try 625-555-0150.

There are many cheats that you can enter in your cell phone including other vehicles and the ability to lower or raise your wanted level if you feel the heat is on or not enough. You can also give Niko full health, ammo and armour or even change the weather conditions.