Florida Property – is Now the Time to Buy?

Times have changed and questions like ‘is a Florida property a good buy?’ are as real as they could get. In a matter of a few years, the state has witnessed the worst of tumbles in all areas, in particular the housing market. There was a time when Florida was the hot favourite among overseas property investors, who didn’t thought twice before investing. But thanks to the recession, claims, for example: ‘even if you decided to sell for free, there wouldn’t be any buyers’, best outline the Florida property market situation. It is not because the state is declining on popularity charts, but essentially the Florida property market is over developed with a considerably high percentage of buy – to – let options.

There is also the US economic crisis to take into consideration. The downturn has pushed reputed names towards bankruptcy. Foreclosure numbers continue to increase at an alarming rate, and Florida is one the regions contributing massively to the negative trend. In fact the situation has deteriorated enough to provoke a serious action from the government itself. The US government has pumped in 0 million as a desperate attempt to control the foreclosure tide in Florida; on account of the subprime crisis. These funds are to be deployed for buying properties in Florida, but real estate agents are still in a tight spot, and not just because there are rising costs on account of taxes, natural mishaps, insurance costs and more, further burdening home owners. There are no buyers and the dearth is insidious. Even the experts are divided over the buying call – there is a group of experts suggesting it is a serious ‘stay away’ warning, however there is another group of experts coming up with ‘buy now’ advice.

So, why is the latter group suggesting Florida property is lucratively interesting, especially for overseas property investors? After all, Florida is right now a victim of the US economic crisis. Property rates have slumped badly and there is clear case of over development. However, there couldn’t be a better time to find a bargain in these circumstances – cheap property in Florida is now available. The tag prices have touched the bottoms and further lowering cannot, perhaps, be expected. In fact the recovery process is expected to commence soon, with Orlando waving the optimism flag. The market in Orlando has remained calm, despite the turbulence around it, and the growing industries further support the argument. Sarasota is another region supporting the case.

The rest of Florida will not be left behind for long. Florida property is currently available for an affordable price, but the upward surge is expected to begin. It is just a matter of when, and if the analysts are to be believed, this should happen soon. Not that there will be sudden changes and the property prices would double or triple overnight, but yes, an upward trend is expected. Therefore an intelligent investor would benefit if action is planned right away. The circumstances currently are favourable and it is almost clear that a further reduction in Florida property prices is not expected. Stabilization is already a realistic situation and investors should not wait for long. Analytic reports will be released and real estate agents will regularly apprise with their comments, but further delays will directly imply losses for overseas property investors.   

Florida property market has perhaps faced the worst and if there is any validation to the stated, now is the time to look forward to the change, and seriously look at what is available on the Florida property market.

Orlando Foreclosed Homes ? Why to Buy Orlando Foreclosures and How to Find Good Bargain Deals?

Buying a property in today’s tough times can be a serious financial concern but now with thousands of Orlando foreclosed homes available for sale at nearly half of their market prices home buyers have been presented with a unique opportunity.

Orlando is a major city in the central region of the U.S. state of Florida and has some unique features which have made it a popular residential choice of thousands of homebuyers over the years. Some of the reasons that make buying a property through Orlando foreclosed homes a great venture are listed below:

Popular tourist destination – Ranked as the third most visited American city the region is best known as the home of amusement attractions, including the Walt Disney World Resort, the Universal Resort, and SeaWorld.

Quality education – While looking for suitable properties, education facilities are a prime concern which makes settling for one through Orlando foreclosed homes an ideal option as the city offers some nationally ranking schools and colleges including the University of Central Florida, the 3rd largest university by student enrollment in the nation.

Musical hub – If you are into music buying a property through Orlando foreclosed homes would be ideal as the city has a very active hip hop, metal, rock and Latino music scene and is also popularly known as East Hollywood.

Popular retail market – The city has become one of the fastest growing retail markets in the USA with major upscale department stores like the Florida Mall, the contemporary Millennia Mall , including the world-famous department stores of Bloomingdale’s, Macy’s, and Neiman Marcus as well as the Fashion Square and the Festival Bay Mall.

Listed below are some of the best sources of finding good bargain deals on Orlando foreclosed homes:

Public auctions – Bidding at auctions for foreclosures is one of the best ways of getting a good bargain. You can get information on upcoming auctions by visiting the local county office.  

Short sales – Buying a property when it is in the pre foreclosure process through a short sale process is also a very good way of landing a profitable purchase.

Fixes upper homes – You can also look up various fixer upper homes on sale that require some renovation which are usually sold at highly discounted rates through Orlando foreclosed homes.

Loan Modification Fl Stop Foreclosure

Loan modification FL stop foreclosure

Living in Florida and looking for ways to save your home from foreclosure? Have you considered modification of loan as an option? If not, consider it because it could be your easiest solution. But there is a lot of paper work related to this process which you have to furnish properly. Make sure that your application goes out in the proper manner. Maybe you could seek some professional help in filling the form if your budget allows it or you could make use of a specially designed software for this purpose.

Basically the lender would like to know whether you can afford to pay the amount arrived at after modifications are made. For this they will ask for a detailed statement of your income and expenses in a month which you will have to furnish promptly. Next they will want to know how you landed yourself in such a financial scramble. Was it due to some illness or divorce or separation or have you lost your job abruptly? You need to prove that your income is a lot below the monthly payments that you are expected to make so that there is a dire need to lower the mortgage or interest rates.

Florida lender’s policies are strict regarding certain issues and it is their right to know, what steps you have taken to tide over your difficulties and to generate the income necessary to pay the modified amount. You need to stress on your ability and intention to be regular in your payments which will allow you to stop foreclosure and keep your house.

Do your maximum and keep your fingers crossed that your application for modification will be cleared for it is any day better than filing for bankruptcy which will only further tarnish your image in the credit market. No way can you stop foreclosure in case a bankruptcy suit is filed. Engaging a stop foreclosure specialist is a good idea and there are many reputed ones in Florida whom you can approach.

What to do if you are facing Foreclosure

If you are facing foreclosure, the first thing to remember is do not panic. If you panic, then you can fall prey to fraudulent individuals that determined to make your situation even worse. The various scams out there are hitting people all across the nation. You may read an advertisement in the newspaper, watch an ad on television, receive a telephone call, or even find a website online that offers help for trouble homeowners that are near to foreclosure. You may not think these companies are out to hurt you in any help but truly want to help. The problem is that these fraudulent individuals will promise that you will receive “something” for signing over the deed of your home. After you sign the dotted the line and give them the deed the party is over. They have your home and you have nothing.

Any person that asks you to sign the deed to your home and they will help you out of the situation is not a person you wish to work with. These individuals know how to manipulate you into what they say is a good thing, but once they are the owners of the deed they can charge you whatever they want if you wish to stay in the home, which can be more than you are paying at this time. They may even decide they do not want you in the home and they have the legal right to evict you.

The best way in which to stop foreclosure is to talk with your lending company. You can always talk with a qualified realtor that can help you with all negotiations so you can short sale your home. If you want to stay in your home, you can talk with the lender about a modification to your existing loan or refinance the loan. There are many ways you can avoid foreclosure but you cannot sit back and hope for a miracle to land in your lap.

Today, the Federal Government is working to help American stay in their home and the lending companies are now ready to listen to those in trouble. You may be able to refinance your loan, change the terms so you can afford your payments, or possibly receive a deferred payment plan.

According to the reasons, you are having problems paying your mortgage you do have options. If you lost your job, a death in the family, illness, or the mortgage payment has increased due to interest rate there are options available. In the majority of cases, the lender does not want you to lose your home. They are not in business to sell property, but they are in the loan business. It is often in their best interest to work with homeowners than go through the foreclosure process and then try to sell the property.

Foreclosure Houses – Opportunity or Disaster

If you have suffered or suffering from foreclosure, you are aware of the term NOD or notice of default. This is the notice that lender send to their borrowers to start foreclosure process. He spread of this term all over the United States shows that there are still an increasing population of people suffering from this crisis.

The United States governments are doing all the best that they can to stop this crisis, but all their plans have failed. According to the RealtyTrac there are three major states in the US that suffers from foreclosure.

These states are Florida, Arizona, and California. In the states of California homeowners who are suffering from this crisis are threatened by their lenders. These people want to seek help from different banks. A lot of people think that bank owned properties require crucial requirements to purchase.

In the contrary, bank owned properties can be easily purchase by people. Investors and home buyers should think about these properties as great opportunities and enjoy the benefits of bank owned properties.

It is true that these properties are not in their perfect condition. Aside from the disadvantage, there are lots of benefits that you can reap out of purchasing bank owned properties. Think about all the money that you can save out of buying foreclosure properties or homes.

You can buy home furniture and other appliances using the money that you have save from purchasing foreclosed home. Many people in the United States are interested in buying properties in Los Angeles. With the use of this process, you can now enjoy lots of discounts when you purchase bank owned properties. Remember that banks do not want more properties, they want to get the money that have they have invested by means of selling properties that are foreclosed.

The action of many banks has made the delinquency rate to increase for up to 9.24%. This is higher than the previous delinquency rate. Mortgage Banking Association that homeowner who misses their first payment should be teat as delinquent barrower.

Today all the banks should follow the strategic planning in order to cope up with the current situation. Banks and lenders nowadays wait and follow the foreclosure process when their barrowers failed to pay for their mortgage payment. Many banks nowadays are increasing their patience because the foreclosure proceeding takes a lot of their time and money. In the end banks and lending institution still lose eve if they win foreclosure proceeding.

Banks wants to save time and money that is why they are giving homeowners enough time to make their payments current. Instead of going into time consuming and expensive foreclosure, they prefer to wait and give opportunities to homeowners.

If you are one of these homeowners, you need to think ways n how you can acquire the right funds to pay for your mortgage loan. You should always remember that there are banks owned properties that you can buy when you failed to save your home from foreclosure. Sometimes selling your home is the best means to go out of this crisis.

Florida Fha Loans

Lenders love the idea of FHA loans. The reasoning is simple. These loans have the backing of Federal Housing Administration. This means that in case of a payment default from the borrower, the loan can always be paid by the FHA. Now borrowers also love the concept of low interest loans, in fact it suits them really fine if low interest is married to low or negligible down payment. FHA loans are doing extremely well in Florida because the structure is ideal, and more people are seeking loans in Florida. Also, it’s always a healthy assurance to know that FHA is right there in the picture. The borrower does not feel being fleeced at any stage, and the FHA lender is doubly insured. Sometimes, we are buying a home for the first time, and do not have a lot of money to put in. (home may be bought for the buy-to-let mortgage purpose or may be for the purpose of living). Also, our credit report does not make us qualify for a loan from financial institution or we are worried about tackling the monthly mortgage payment. For all such cases, it is perfect to draw out an FHA loan plan. FHA loans have a low 3-3.5% down payment. Moreover, the money can also come through gifts from family and friends. The seller can pay up to 6% of the closing costs. The role of brokers in Florida can’t be taken too lightly. Ever since real estate has grown big and banks cannot do all the tidying up, it’s the brokers who see through the closure of a deal beginning from the very start. They even take foreclosure, stop foreclosure and short sale within their compass. In Florida, mortgage brokers are getting associated with FHA loans, and look to convert it in best possible way for the borrowers. FHA loans get approved quickly. Again it is the FHA at play. The FHA lenders know that the mortgage is perfectly indemnified, and hence allow for easier terms of credit. This means more can confirm to the terms and benefit. (Though the sub-prime has forced the FHA and lenders towards a change of stance). FHA loans allow a loan even if you have been through bankruptcy or have undergone some serious liquidation or restructuring. FHA believes that home is a veritable asset. This implies that it must be kept under any circumstance. Unless, the homeowner suggests absolute futility in keeping the home intact, FHA tries to go for stop foreclosure and does not let a lender proceed with the foreclosure process. FHA deals in fixed loans as well as adjustable rate loans. Fixed rate loans imply that all through the tenure; the loan rate is same and does not create any dilemma in the minds of the borrower. He is settled to the idea of particular payment and is happy with making it. With the adjustable rate loans, the financially burnt buyers get an initial reprieve in payment. With time, the rate increases. Florida FHA loans are making it all too easy for the financially deprived.

Florida Loan Modification Help – What you need to know

Let’s not beat around the bush. The recent economic crisis has hit many of us hard. Many Florida homeowners are struggling to keep up with their monthly home payments and are looking at the possibility of losing their homes to foreclosure. The foreclosure crisis has affected some of the larger cities in Florida.

According to RealtyTrac.com, Florida ranked number 3 in foreclosures in 2008. The hardest hit areas in Florida were Cape Coral, Ft Myers, Orlando, Kissimmee, Miami, Ft Lauderdale, and Pompano Beach. Many homeowners have opted to contact their lender in order to get a loan modification to bring down the monthly payments on their mortgage to make their homes more affordable.

Some say that it is difficult to get the lenders to budge on an existing modification. That may be the case some of the time but if you can find a good loan modification company that can negotiate with the lender and show them that you have a hardship then you may be able to get the terms of your home loan modified. A hardship can include a death in the family, reduction in your work hours, and illness in the family. Also, keep one other thing in mind…the lenders do not want to foreclose on your home. The foreclosure process is very costly to the banks. They may end up paying upwards of ,000-,000 to foreclose on your home so it would be in their best interest to keep you in your home because in the long run they will profit more even if you have had the terms of your home mortgage renegotiated.

One other thing to keep in mind, as a Florida Loan Modification company will also tell you, is to remember that besides proving that you’ve had a hardship, you also need to prove to the lenders that you will be able to keep up with the new terms on your mortgage. Also remember that while you can negotiate with your mortgage company on your own it may be in your best interest to seek a good loan modification company to negotiate on your behalf. It is similar to someone seeking a lawyer for legal representation.

Foreclosure Advantages to People Investing in Florida Tax Deeds

Foreclosures by the Florida counties usually end in a tax deed sale. The foreclosure process was initiated due to the property owner’s failure to pay the property taxes owed to the local county.

In Florida the counties give the property owner ample notice to pay, and when the owner fails to pay the taxes the county then issues a lien against the property for the taxes owed.

The lien is then auctioned to the highest bidder – usually online – at a tax lien sale. A tax lien is different from a tax deed as the lien only entitles the lien investor to the interest and penalties that accrued to the lien. A lien does not give a tax lien investor immediate title to the property.

However, if the lien is not redeemed by the property owner the lien investor will often apply for a deed to the property, but unfortunately has little guarantee of receiving it, as Florida law requires that after a two-year grace period given to the property owner to redeem the lien, the property must then go to a fair and equitable public auction at a tax deed sale. This often means substantial competition for the lien holder.

In most cases the property is sold to a third party and the lien holder/investor does not receive the deed, only the profits made on the lien. This is one advantage that the tax deed investor has over the tax lien investor.

Another advantage that the tax deed investor enjoys, and which is stated in Florida law, is the strong security of the tax deed. A tax deed is equal to a quick claim deed in that the county is stating that they no longer have any claim against the property. If no other person comes forward to make a claim to the property, then the tax deed entitles the new owner to a free and clear title to the property.

If the deed is later challenged by a claim against the new owner, and the issuance of the tax deed, the statues under Florida law definitely favors the new owner who acted in good faith. Substantial penalties and legal disadvantages are enacted against the claimant, or as is usually the case, the former owner.

By way of example, let’s take a disgruntled owner who lost their property due to their failure to pay the taxes, and then decides to sue the new owner to recover the deed. Florida law states that if they win the case and they recover the deed, which is rare, they must pay all the legal fees of the innocent tax deed investor, plus refund all the money the new owner paid at auction, any money the new owner spent on any improvements made to the property, plus substantial interest and penalties! Ouch!

In other words, Florida law takes a very dim view on the aggravation the former owner will bring to the new owner, who acted in good faith — as opposed to the former owner who acted in bad faith.

What the state of Florida is saying to those who challenge the legal issuance of a tax deed is – ‘we made it easy for you to pay your taxes in giving you a two-year grace period to do so, and after we were forced to sell the property to someone who is willing to pay the taxes, we are not now going to make it easy for you to challenge that decision’.

The security of the Florida tax deed provides an advantage to the investor interested in investing in Florida tax deeds, over other states with perhaps less secure laws. Invest in Florida Tax Deeds.

Stop Foreclosure on Your Fort Lauderdale House Fast With Your Lenders Permission

Fort Lauderdale, Florida – 2009

Homeowners in Fort Lauderdale, Florida and other major cities face a serious problem that is plaguing the country and that problem is the foreclosure crisis.  Everyone is hearing about the big lender bailouts from the government and lenders are being affected by the foreclosure crisis as well.

Fort Lauderdale neighborhoods are sinking in value since lenders are repossessing homes and the same lenders place the same houses on the market for thousands and tens of thousands less than the average homeowner.  Homeowners with a house that has little to no equity have little success putting their house up for sale, so they choose to contact a real estate agent.  Real estate agents are falling victim to the foreclosure crisis as well and are up to their eyeballs with listings that sit on the market for month after month and sometimes up to a year or longer.  Result is real estate agents are turning homeowners away and letting them take up for themselves.

Foreclosures are a big problem in Fort Lauderdale and other cities in Florida that is why lenders are becoming more proactive with finding solutions to end the crisis.    Lenders are aware that a majority of homeowners have little to no equity and are coming up with ways for owners that want to sell their house rather than hold on to it.  One way that lenders came up with is a process called the short sale. 

A short sale is when the homeowner’s lender agrees to reduce the mortgage balance owed to allow a quick sale on the owners house and to make it more marketable.  Short sales are beneficial for homeowners because it helps a homeowner sell their house fast and walk away from a home they can no longer afford to keep.  Plus when a homeowner decides to buy another home some lenders back by Fannie Mae and Freddie Mac may lend to them within 2 years rather than 5 years if the homeowner let their house go to foreclosure.

Lenders are doing short sales in Fort Lauderdale Florida and really any city in the US.  Lenders agree to a short sale also because it allows them to cash in or the note they are holding so they can put their money to use in another performing loan.  The also save money on doing a short sale because taking a mortgage to foreclosure can be costly and reselling the home can take a half of year easily. 

Short sales are becoming a fast way for lenders and homeowner as one stop the foreclosure process while giving a buyer a good deal on a house that wouldn’t normally go for a good price.

Tina Fingerman From Tropic Shores Announces New Issues With Foreclosure Fraud And Robo Signing Affecting Spring Hill Real Estate Sales

Tampa-St. Petersburg-Clearwater, FL – Tropic Shores, Realtor Tina Fingerman Announces the next big news in Foreclosure Fraud, Robo Signing. Robo Signing and Fraudulent foreclosure practices by Big Banks and Foreclosure Mills is effecting all aspects of the real estate market in Hernando County and the rest of the country.

We have all heard about the foreclosure crisis over the past few years, but now it seems to have taken on a new twist. With all the latest news coming out, it now seems that some of the largest banks in the country have been practicing in arena of fraudulently foreclosing on property. It is not clear if the banks themselves had any knowledge of what was happening, but one thing is clear for sure. Many times over documents that were forged to appear to be signed by the borrower were used in foreclosure proceedings in order to expedite the foreclosure process and get the home owner out of their home. The issue is that many banks, including Fannie Mae and also Freddie Mac have been using what has been dubbed as “foreclosure mills” in order to expedite the foreclosure process. Foreclosure mills are large Attorney firms that specialize in the foreclosure process. Well as it turns out, it appears that due to the large volume of foreclosures that they receive, they were simply filling in the blanks and completing paper work and other documents that would otherwise have required a borrower’s signature. That sounds ok, except for the fact that they and not the borrower were signing these documents, including any missing or needed affidavits.

So what does all that mean to the rest of us? Well several things really. First of all, if you are facing foreclosure, it is important to know that you have some rights. It is also important to know that some of the documentation being used to foreclose on your property may not be correct. In these cases, if you can discover this, you may have legal recourse to remain in your home longer or to even possibly have the foreclosure process dismissed without prejudice. It is probably a good idea to go over your case with an experienced real estate Attorney who can review your file and then properly advise you of any improper action and or paper work from the foreclosing lender. You may or may not have the resources to retain the Attorney, however the consultation itself in many cases may be free or a reasonable and nominal fee. Even if you do not retain the lawyer, you probably will walk away from meeting a little better informed and better equipped to deal with the bank and legal situation you find yourself in. It is also important to know this if you are negotiating a Loan Modification with your bank. Particularly since as of right now, most of the larger banks are putting a moratorium on foreclosing due to investigations into the foreclosure process and whether or not fraud exists in that process on the part of the bank or its affiliates. Knowing that in itself can give you a powerful negotiation stand point when trying to modify your mortgage in the current and still developing environment.

Now, that there is the possibility of fraud in foreclosure practices, what’s next? Well in the short term as mentioned above, there is a moratorium on foreclosures by some of the largest banks in the country. These banks are conducting investigations into the foreclosure process and are making sure that everything is up to snuff. Although they tend to play it down, or perhaps even do this under the impression that they are protecting the consumer from any wrong doing, what they are really doing is covering their butts. The difficulty of wrongful foreclosure processes opens up many issues for banks. For one, if a homeowner is foreclosed through a process that involved any type of fraud, then that home owner may have legitimate recourse against the foreclosing lender. Also it is now coming to light that in many cases, the foreclosure process was conducted by a 3rd party servicer. Sounds like no big deal right? Well if you consider that the 3rd party servicer may not have been the legal owner of the actual note, then that party never truly had the right to foreclose! This issue is huge and wreaking havoc on pending home sales and even properties that are currently listed as REO’s with listing agents who have been hired by the bank as the seller to market and sell the property. When you consider that foreclosure listing in Spring Hill Florida currently make up a huge portion of available inventory, the ramifications to this little mess are huge. Imagine if you are purchasing a home that you really love. You have spent money on all your inspections and appraisals, and then just before you are ready to close, bam the bank halts the sale because this is one of those properties that may have been illegally foreclosed. They will offer a refund of the escrow deposit, but more than likely all of the other money spent is now lost. In some cases, the bank may offer an extension to the contract but that just leaves a buyer in limbo since no actual closing time can be established at that time. When you consider the added stress of a buyer giving notice to a landlord and hiring movers expecting to move in to the new home, this can cause major issues to a buyer who is on the wrong side of this transaction. Buyer should make sure that their agent performs all the necessary due diligence prior to engaging in any transaction where the subject property is a foreclosure sale to avoid these issues coming up later in the transaction. These current developing events make it more important than ever to make sure a buyer retains their services of an experiences agent who is familiar with distressed property and all the issue these sales can raise. It’s equally important to have all the title work and title commitments thoroughly reviewed by a professional Realtor and possibly even an Attorney to make sure that no exclusions to the title policy exist that would inhibit the buyer’s ability to raise a claim later.

In light of the current developments, there are stories coming up in different parts of the country where these practices have caused a break in the chain of title. Because some of these foreclosures were brought by 3rd party servicers who may not have legally owned the note, making the foreclosure itself faulted, there are cases now where the foreclosure is being challenged after the home owner has been evicted. In a recent development in California, a home owner was foreclosed and evicted. The home was then resold to an investor, who subsequently remodeled the home and spent over ,000.00 in repairs. He then re-listed the home and sold it to another couple. Days before the next closing, the original owners Attorney found flaw with the entire foreclosure process, and the original owner has now taken back possession of their home and moved back in. This is causing a huge problem for the individual who purchased the home and spent money on the rehab. It also caused a huge problem for the original owner who was improperly evicted and foreclosed upon. Of course it’s surely an issue for the new buyer as well. The litigation of a case like this can take anywhere from months to years, in the meantime leaving all parties in limbo. There are other similar cases cropping up, and it is expected that more litigation will occur across the country.

Purchasing a foreclosure in Spring Hill Florida and other areas around the country can be a great way to save money and buy a home that is undervalued even in today’s market place. Potential buyers should take great care in selecting the right team of Real Estate Professionals when buying property in Spring Hill FL and other areas, including Realtor, Lender, Title Company, and in some cases Attorney’s. Now more than ever it is important to have the right professionals represent a buyer. Performing proper due diligence can make the difference between closing and owning your new dream home or being left out in the cold while all the other parties debate the issues in civil court. To avoid these issues, buyers should be encouraged to research their Real Estate agent in Spring Hill very carefully and make proper decisions with regard to representation.

Never before has the statement of buyer beware been more accurate. Buyers should not be discouraged from taking the leap and buying a home. With the decline in prices and rates being at the lowest point since about 1971 there has never been a better time to purchase a home in Spring Hill. Rather they should be taking more care in the selection of who represents them, and educate themselves with regard to the potential pitfalls that can be associated with buying distressed properties. Of course, if you can negotiate a great deal on a home that is owned by a private person rather than a bank none of the above issues would apply.

For more information regarding foreclosures and the Real Estate Market visit
http://www.Hernandocountymlssearch.com

Source:
http://www.1888pressrelease.com/spring-hill-foreclosures/spring-hill-fl-mls-search/tina-fingerman-from-tropic-shores-announces-new-issues-with-pr-250140.html