Cotati Directory

Cotati Directory provides free listings to business owners, realtors, merchants, non profit organizations. Like Yahoo the listing are edited manually. It's ranking #1 in Google. The mission is to help you with free resources, promote people and organizations, marketing like Veretekk, networking as in Direct Matches, Home based work at home business opportunities Alternative Energy, Zenzuu, Social Networks Directory

Want to promote yourself or your company? Learn about marketing? Research about business opportunities, network marketing or residual income? Exchange Links with the Cotati Directory. Tel 800 314-9814

Cyber World Tours

Cyber World Tours is a full service tour operator and receptive operator company.

We taylor custom itinerary for day and multi-day programs. We proudly feature multi lingual professional tour guides and tour managers. Inclusive of our itinerary we book for restaurants, excursions, entrance fee, and only the finest Deluxe motorcouching.

Our team will monitor 24/7 your tour from the inception to the end.

We educate, entertain and are of value to your clientele.

San Francisco Bay Area, Wine Country, California, and Western States.

Cyber World Tours

Financial Services

Find a diverse and beneficial programs available for debt settlement, foreclosures, business lines of credit, personal lines of credit & credit repair. JWFS and its affiliates offer a network of financial advisors, certified debt negotiators, attorneys, and mortgage consultants that will customize a sound financial plan to help you no matter what your financial needs may be.

Save My Home Program

"Banks may have to swallow reductions in the principal of some troubled home loans to ward off greater losses that could result from outright default"

Federal Reserve Chairman, Ben Bernanke

The "Save My Home Program"....a program like no other.

1. If you are like many other Americans in today's market and are facing foreclosure or your home is simply just "Upside-down"; we can help!

2. If you are facing foreclosure our affiliates will negotiate with your current lender(s) to postpone the foreclosure proceedings until we can place you into the "Save My Home Program"

The "Save My Home Program" is as follows:

Your current loan(s) will be pooled alongside the loans of other JWFS clients, categorized by lender. Once there is enough volume in the specified ‘Pool’ our investors will then negotiate a purchase of the pooled notes and the servicing rights of those notes at the going or discounted rate (according to Merrill Lynch the going rate is 22 cents on the dollar.) Upon purchase, our investor (your new lender) will then modify your note down to approx. 75-85% of current market value. Giving you 15-25% real market value equity!

Still not sure how it works?

Here is an example: You owe 500K on your home but it is only worth 400k. Our investors will purchase the note for approx. 200k and modify it back to you at 300k, saving you over 200k!!!