If you have trouble seeing web pages, the US Social Security Administration offers these tips for optimizing your computer and browser to improve your online experience. Use the keyboard to navigate screens Increase text size Magnify your screen Make your mouse pointer more visible (Windows only)

If you are deaf or hard of hearing, there are several accessibility features available to you. Transcripts A text transcript is a text equivalent of audio information that includes spoken words and non-spoken sounds such as sound effects. Learn how to turn captioning on and off in YouTube. Captioning A caption is transcript for the audio track of a video presentation that is synchronized with the video and audio tracks. Captions are generally rendered visually by being superimposed over the video, which benefits people who are deaf and hard-of-hearing, and anyone who cannot hear the audio (e.g., when in a crowded room). Most of NAR's video content includes captions. Learn how to turn captioning on and off in YouTube. Volume controls Your computer, tablet, or mobile device has volume control features. Each video and audio service has its own additional volume controls. Try adjusting both your device's volume controls and your media players' volume controls to optimize your listening experience.

If you find a keyboard or mouse difficult to use, the following information explains how to use speech recognition software to navigate web pages and online services on ssa.gov. Speech recognition software allows the user to move focus to an application object by voicing the object label name or the object type. Object types include: Text Box List Box Link Image Screen File Each of these object types are given a label name that is visible on the screen and the voice user can say the name to move focus to that object. A screen, an application or file can be accessed by voicing the text in the Title Bar. If there is an object or many objects on a screen without labels then the user can voice an object type which will number all objects of that type on that screen. For example voicing "link" would number all links that are on the visible screen and then a specific link can then be accessed by choosing the number desired. Voicing "checkbox", "radio button, "text box, etc. will operate in the same manner. If the screen design does not allow moving focus by voicing a label or an object type then the speech recognition software may provide a utility to move the mouse pointer in discrete steps or continuously. Social Security has designed web pages and applications to utilize several different methods of using speech in order to provide flexibility in using speech recognition capabilities. Users should try combinations of these methods to determine what best meets an individual's needs. How to train Dragon NaturallySpeaking Respond to warning messages

At least 20 days before the trustee's sale, the notice of sale must be posted on the property and in one local public location. The notice is also published once a week for three weeks in a local newspaper, starting at least 20 days before the sale date. The notice is mailed to the borrower at least 20 days before the sale and to anyone who requests the notice. The notice must contain the date, time, and location of the sale, the property address, and the trustee's contact information. In addition, the notice of sale must be recorded with the county recorder at least 14 days before the sale. For the full answer, click here: https://www.acgov.org/cda/hcd/documents/mls_Foreclosure_Process.pdf

Foreclosures in California are primarily administered out of court, although court foreclosures are allowed. Out-of-court foreclosures take about four months. For the full answer, click here: https://www.acgov.org/cda/hcd/documents/mls_Foreclosure_Process.pdf

Court foreclosures only occur if a lender desires a deficiency judgment. This process gives a borrower up to one year to redeem the property after the foreclosure sale. In almost all cases, foreclosures are handled out of court. The process begins when a lender files a notice of default with the county recorder Alameda County Housing and Community Development identifying the default amount and the date the borrower must pay off the default. The notice is mailed to the borrower and other affected parties. Up to five business days before the trustee's sale, the borrower may pay off the default plus any applicable costs of foreclosure and stop the foreclosure process. Three months after the notice of default is filed, the lender can schedule a trustee's sale of the property. For the full answer, click here: https://www.acgov.org/cda/hcd/documents/mls_Foreclosure_Process.pdf

An REO (Real Estate Owned) is a property that goes back to the mortgage company after an unsuccessful foreclosure auction. Many foreclosure auctions do not result in bids. After all, if there was enough equity in the property to satisfy the loan, the owner would have probably sold the property and paid off the bank. That is why the property ends up at a foreclosure or trustee sale. The bank now owns the property and the mortgage loan no longer exists. The bank will handle the eviction of the previous owners, if necessary, and may do some repairs. They will negotiate with the IRS for removal of tax liens, if any, and pay off any homeowner’s association dues. Once a bank owns the property, they generally list the property for sale. For the full answer, click here: https://www.acgov.org/cda/hcd/documents/mls_Foreclosure_Process.pdf