Mortgage Loan Fraud Penalties In Texas

Mortgage fraud is a serious crime in Texas. According to Texas department of Banking “Mortgage fraud is committed if a person intentionally or knowingly makes a materially false or misleading written statement to obtain a mortgage loan. Examples of criminal mortgage fraud includes, but is not limited to, illegally inflating property appraisals; concealing a second mortgage from a primary lender; and concealing or stealing a borrower’s identity.”

Mortgage fraud invites huge penalties in Texas. Your mortgage lender will ask you to sign a notice before closing the deal, which says “Intentionally or knowingly making a materially false or misleading statement to obtain property or credit, including a mortgage loan, is a violation of Section 32.32, of the Texas Penal Code, and, depending on the amount of the loan or value of the property, is punishable by imprisonment for a term of 2 years to 99 years and a fine not to exceed $10,000.00.” That pretty much explains it. 

If you get caught red handed, even the best criminal defense attorneys will have to work really really hard to save you. If you come to know that you are in trouble, contact an efficient criminal defense attorney and explain everything. He may be able to find some loop holes. Get a criminal attorney based in Texas, as mortgage fraud laws differ by state. Your Texas attorney will know more about the laws in the state.

You should avoid mortgage frauds by being truthful. Every year Texas government is losing huge sum of money due to mortgage frauds. Before applying read all the forms and applications thoroughly, fill them to the best of your knowledge. Ask questions if there is any difficulty in understanding the terms. Any unknowing mistake during filling the forms can land you in trouble. I have written a post on Things To Remember Before Applying For Home Mortgage, you may read it if you want to.

How To View Fixed And RD accounts Through ICICI Internet Banking

Your fixed account and RD account details won't be displayed on the main page of ICICI internet banking. In order to view the details or statements of your ICICI fixed and RD accounts through internet banking;

1. Login to your ICICI internet banking account

2. On the home page you will see your ICICI savings account details only, to view details of your RD and fixed deposits, click on 'View All/Fixed Deposit Advice' ( It is located just above your savings account number and to the right of 'My Bank Accounts')

3. On that page, you will be able to see the details of your ICICI bank accounts including savings, fixed, RD and other accounts.

The interface of ICICI internet banking require some time to get used to. The links on the page won't work for first 5 seconds after login, this is to prevent automated bots. I know one guy who complained to the bank that he can't see his fixed account details. It is very confusing for the beginners.

How To Hide Facebook Likes From Profile

There will be instances where you don't want your facebook likes to be seen by others or friends who visit your profile. Facebook allows you to select different privacy options for different category of facebook likes. I must say that facebook in its early days were so very simple. Nowadays different privacy settings has made it overly complex. It will take some knowledge to tweak your facebook settings so that others won't steal your photos and information. I have already written an article on How to hide your facebook photos from others?, you may read it if you want to.

In order to hide facebook likes from your friends;

1. Go to your facebook profile page

2. Click  on 'About', just to the right of your profile picture

3. On the 'About' page, scroll down to 'Likes' section, which is towards the bottom of the page

4. Click on the pencil shaped edit button

5. Edit Privacy, select the privacy option 'Only me' for each like category you want to hide and hit close

Now your facebook likes won't be seen by your friends.

Best Smartphones For Around Rs.20,000

For the past few months I have been on the lookout for the best smartphone for around Rs.20000. I have researched quite a bit and to be honest, I have found only one phone that impressed me. Which smartphone is that? Soon you will find out.

Here is my list of best smartphones available in India for around Rs.20,000

4. Blackberry Z10: Price Around Rs.21,000

Blackberry Z10 review

Blackeberry launched Z10 as its flagship device, during the launch its price was around Rs.40,000. The price drop says something about the financial condition of the company. After almost an year past its release, Blackberry has cut its price into half. Blackberry Z10 is now available for around Rs.21,000 in India. It is still one of the best smartphone available for around 20k range, if you don't mind about what is happening with company. I can assure that Blackberry won't disappear soon and it still produces one of the best business phones around.

Blackberry Z10 Pros
  • Light weight 137g
  • 4.2 Inch screen
  • 355ppi pixel density
  • 16GB internal storage
  • 2GB RAM
  • 8MP Rear and 2MP Front Camera
  • 1.5GHz Dual Core Processor
Blackberry Z10 Cons
  • Poor battery 1800mAh
  • Brand as a whole is a sinking ship
  • No Gorilla Glass
3. LG Google Nexus 5: Price Around Rs.29,000 in India and Rs.21,000 in USA

LG Google Nexus 5 review

This LG Google product is a stunner in specs. However, Google Nexus 5 is priced at Rs.29,000 in India. The reason why I included Nexus 5 in best smartphones for around Rs.20,000 is because, it is available for Rs.21,000 in USA and other 8 countries. In USA Nexus 5 sells for $350 (16GB) which comes around Rs.21,000 when converted to rupee. So consider buying it from USA, if you have relatives or friends there. Nexus 5 is a stunner for its price.

Google Nexus 5 Pros
  • Light weight 130g
  • 4.95 Inch sceen
  • 445ppi pixel density
  • 16/32GB internal storage
  • 2GB RAM
  • 2.3GHz Quad Core Processor
Google Nexus 5 Cons
  • Inconsistent battery life even at 2300mAh
  • Poor Camera even with HDR and 8MP
2. Samsung S4 Mini: Price Around Rs.22,000

Samsung S4 Mini review

Samsung S4 mini comes close to its elder brother S4 in most specs, but it is not quite there. It is second in my list of best smartphones for Rs.20,000. Even though it is slightly on the expensive side, it is a great phone especially if you are a Samsung fan. It has a great display, not quite in the league of S4 though. The camera is good and certainly scores better than the other two phones when you consider the price range.
S4 Mini Pros
  • Very light in weight 107g
  • 4.3 Inch screen
  • 1.5GB RAM
  • 8MP Rear and 1.3MP Front camera
  • 1.7GHz Dual Core Processor
S4 Mini Cons
  • No notification LED
  • Low pixel density 256ppi
  • Poor battery life 1900mAh
 1. Sony Xperia SP: Price around Rs.21,000

Sony Xperia SP review

Xperia SP is the best smartphone available for around Rs.20,000. Its features are excellent. Its performance is as great as it is on paper. It is best phone in 20k category. Its 8MP camera is excellent. My Xperia SP provide better pictures than my Cybershot 16.1MP digital camera, I don't know the secret behind that. Its performance is also very impressive, it has excellent sound reproduction. If you take out Nexus 5 out of this league, this phone beats all others in performance. It is the most popular phone in 20k category.

Xperia SP Pros
  • 4.6 Inch screen
  • 319ppi pixel density
  • 8GB internal memory
  • 8MP excellent quality camera, VGA front camera
  • 1.7GHz Dual core processor
  • Good battery life 2370mAh
Xperia SP Cons
  •  Front camera is just VGA
This concludes my list of best smartphones for around Rs.20,000. My personal recommendation will be Xperia SP or S4 mini. There are other phones too under this category but these four are the best in the league when you consider a combination of price, performance and design.

Top 5 Free Domain Name Appraisal Services

First of all let me explain, what is meant by domain name appraisal? 

Domain name appraisal is calculating how much your website is worth. The amount is calculated based on several factors such as domain name extension ( .COM extension pays more), whether the domain name is in English language or not (English domain names have more demand), whether it is easy to remember and pronounce, the number of characters in the domain name (shorter the better), domain age, traffic, search volume for the domain name keyword, brandability (whether the name can be marketed as a brand) etc.

Greater the domain name appraisal value, greater the chances for your domain to sell at a high amount. There are hundreds and thousands of websites that provide free domain name appraisals. Why spend money on paid domain name appraisals, if you can get them free and instantly. Below is the list of top 5 free domain appraisal services

GoDaddy Free Domain Appraisal Service

Being the largest domain registrar, GoDaddy provides a free domain name appraisal service. GoDaddy provides appraisals in a range value.  You can easily take a print out of the appraisal certificate.


Sedo is the best market place for selling domains. Sedo also provides a free domain appraisal. However you have to sign up for an account in to get an appraisal.  From my experience, I have found domain appraisals from GoDaddy and Sedo provide similar figures. I have written a post on how to sell a domain through Sedo, you can read it if you want to.


Valuate will provide value of your domain instantly. It also checks for trademark infringement. You can only check 5 domains for free in a day. If you want to check more domains, sign up for a free account.


One of the most popular free domain appraisal service on the internet. I have found that Valuate and Estibot provide similar results. May be they both use similar algorithm.

Domain Index

Domain Index provides instant appraisal. Domain Index also provide a lot of other information as well, such as list of similar deals, similar domains on sale and their price, trademark risk percentage, search volume etc. Domain Index also provides a value similar to Estibot and Valuate.

How To File Chapter 13 Bankruptcy In Texas

I have already written a post on how to file Chapter 7 bankruptcy in Texas without an attorney. You may read it if you want.

Chapter 7 bankruptcy is more of a liquidation procedure whereas Chapter 13 is some sort of reorganization.  As a Texas resident with financial issues, you may reach a point where filing bankruptcy is the only option. Filing Chapter 13 bankruptcy in Texas gives you an option to develop some sort of a repayment plan which will be done under court supervision. Through Chapter 13 bankruptcy you can propose a 3 to 5 year repayment scheduled to your creditors to pay off all the debts from your future income.
Chapter 13 bankruptcy will provide cover for your house, make up for mortgage installments and other properties. If you strictly follow the repayment agreement, all of your remaining debt will be released by the end of the repayment plan. The total amount you are going to pay must be equal to or more than as much as your creditors would have received, if you have filed Chapter 7. 

According to Texas laws, you must have a source of regular income and some other disposable income to file Chapter 13. Texas Chapter 13 is filed when a debtor wants to keep his/her secured assets when he/she has more equity in the form of secured assets than he/she can actually protect with Texas exceptions for bankruptcy. You can opt for Chapter 13 if you want to keep your valuable nonexempt assets.

How To File Chapter 13 Bankruptcy In Texas

Filing Chapter 13 involves a lot of legal procedures, it would always be better to hire a bankruptcy attorney to get you through the legal process.

Location: Know which Texas bankruptcy district you belong to. Out of the four individual bankruptcy districts in Texas, choose the one in your area.

Get Required Forms: Get a petition form from the court clerk of your bankruptcy district of your area or you can get all the required forms from bankruptcy court website. You will have to provide all supporting documents to the court clerk along with the petition form. Once you are through the initial paperwork, court clerk will assist you in preparing the necessary paperwork for filing Chapter 13 bankruptcy in Texas. If you want to proceed filing Chapter 13 without an attorney, you can read the guidelines and FAQs listed on court website.

Payment: Pay the fee at clerk’s office for filing Chapter 13 bankruptcy in Texas. It comes around $250.

How To Put Nokia Phone In 3G Only Mode

Nokia has 3 settings for network reception. You can set your Nokia phone in 2G mode, 3G only mode and in dual mode. In dual mode, your Nokia phone will search for 3G network at first, if 3G network is not available then the phone will use 2G network.

How To Put Nokia Phone In 3G Only Mode

3G only mode on Nokia allows you to get 3G network range only. This will help you access high speed internet. In order to switch your Nokia phone to 3G only mode:

Go to Settings > Connectivity > Network > Network Mode > Select UMTS 

If you can't find UMTS mode, then your Nokia phone does not support 3G. Remember, using 3G network all the time will drain your battery fast. So switch back to GSM mode(2G) once you have finished browsing.

How To Block Unwanted Calls And Text Messages on Verizon

Verizon Wireless provides spam control option for its customers to block unwanted calls and text messages.It also provides an option for internet spam control. Verizon spam control feature allows you to block certain phone numbers from calling you.

How To Block Unwanted Messages and Calls

To block unwanted messages, you can make use of internet spam control (If the message originates from an e-mail address or a web domain) or Call and Message blocking feature ( If the message is coming from a telephone number).

Go to My Plan and Services in My Verizon and click on Verizon Family Safeguard And Controls.If you are using internet spam control, you can block a maximum of 15 e-mail addresses, Vtext IDS or web domains from sending messages to you. Call and Message blocking feature from Verizon allows you to block a maximum of 5 phone numbers from sending message to you. You won’t be able to block numbers within your account or other non-ten digit numbers such as emergency dial 911. 

How to Block Numbers Using Verizon Usage Control

This is not applicable to prepaid users. This is applicable only to usage control subscribers of Verizon. Only 10 digit numbers without any symbols can be blocked using this feature.

1.Go to Verizon Wireless Website, Register if you haven't registered

2. Sign In, Go to My Verizon > Manage Verizon Safeguards (it can be seen under plans and services)

How To Block Unwanted Calls And Text Messages on Verizon

3. Usage Controls > View Details & Edit > Add blocks > Enter the phone number to block (Name is not mandatory)

Block Unwanted Calls And Text Messages on Verizon

4.  Go to Add Blocked Contacts and see whether the blocked number is present or not

Once you add the number, the caller will not be able to make calls or message to your number, instead he/she will hear a message that the customer is unavailable.

Remember: The block will expire after 90 days, so you will have to reactivate it after 90 days.

Best EMR Systems For Small Practices In USA

EMR’s records the medical records of a patient in electronic format. EMR systems improve efficiency by providing accurate information at a faster rate. More than 50% of the medical practices in US has moved to EMR systems. There are hundreds of EMR software providers in US alone. So choosing the right EMR vendor is always a tricky job. 

Ideal EMR System 

An ideal EMR system should be easy to use. Ease of use the most important factor in choosing the right one. It should not be complex; data-entry can be done without much effort. It should be intuitive. 

Top EMR Softwares

Below is a list of top EMR softwares used by majority of physicians and healthcare professionals in USA:

  • MediTouch EHR Software
  • eClinical Works
  • Kareo
  • Allscripts
  • 2013 Waiting Room Solutions
  • Epic Systems
  • Benchmark Systems
  • Practice Fusion
  • Medios EHR
  • NextGen Healthcare
  • Modernizing Medicine
  • McKesson Provider Technologies
  • Centricity by GE Healthcare
  • WebPT EMR
  • AmazingCharts
  • Greenway PrimeSUITE
  • Cerner
  • Rapid Software
  • Athenahealth
These are the most popular EMR softwares used in USA. The word popular can be misleading at times. Being popular doesn’t mean that they are the best.  Always look for recommendations from your colleagues. Every EMR software will have some kind of draw back. You have to be really careful before choosing one.Selecting a good EMR system for small practices should be based on your budget and requirements. The software you choose should be tailored for your small practice.

Drug Rehab Costs In Texas

How much does drug rehab cost in Texas? I have heard many people asking this question. 

It is a difficult question to answer. Drug rehab costs mainly depend on the location and kind of treatment program offered. You should choose a treatment program that suits your pocket. There are luxury and standard rehab centers in Texas. If you are on a tight budget, you still can find quality rehab centers. Don’t have an impression that only luxury rehab centers provide good treatment. 
Luxury Drug Rehab Centers In Texas

Luxury rehab centers do the same treatment as the standard ones but in a luxurious setting, that’s all. You will get special attention from the staff, everything you need will be taken care of. Luxury rehab centers are aimed at high profile clients, who want some privacy throughout the duration of treatment.

Most of the luxury rehab centers will have facilities for massage, personal training, you name it. Some rehab centers even provide private chefs for clients. The cost can go higher if you opt for special programs offered by the rehab center, such as 24 hour private nurse and assistant service. Luxury rehab centers in Texas charge between $15,000 to $90,000 monthly. 

Standard Low Cost Drug Rehab Centers in Texas

Under standard and low cost rehab program, you will get treated for your illness, nothing more. Standard low cost drug rehab in Texas costs between $8,000 to $30,000. You can still have facilities like swimming pool and gyms under this program. Pretty basic accommodation facilities will be provided. You can bring the cost down even more, if you are ready to share a room.

Some low cost drug rehab centers limit the number of persons accompanying the patient. Treatment provided by low cost centers are in no way inferior to their luxury counterparts.

Given below is the average cost for drug and alcohol rehab programs provided by some centers:

Austin Recovery: Located at Austin, Texas - $8,850/month
Benchmark Recovery Center: Located at Manor, Texas: $6,000/month, comes in a 6 month package
Burning Tree: Kaufman and Elgin, Texas - $11,000/month
Santé Center for Healing: Located at Argyle, Texas - $23,000/month
Serenity House: Located at Fredericksburg, Texas - $12,600/month

Free Drug Treatment Programs in Texas

If you want to get treated with little money, always go for rehab centers that accept private insurance. Private insurance covers some basic requirements such as drug detoxification, counseling and withdrawal monitoring. Some rehab centers even offer monthly down payment options. If you have little money to spend, then go to your neighborhood health department. They provide free treatment to people with no insurance. Texas Health department offers free or subsidized treatment for people without any insurance. Charity organizations and church groups also provide free drug rehab services.

In a nut shell, you don’t have to be a millionaire to undergo drug rehab.Take that step in the right direction, save your life. The world is still a beautiful place to live.
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