best mortgages  

Your best mortgages Guide
Recent blogs on this topic:

Do You Need Help And Tired Of Being Disappointed?.?

Have you tried getting finance from several financial institutions but to no avail?, have you been denied a loan by your local banks?, do you need finance and tired of being disappointed? Have you tried every where and no one has the solution?, then try The Diverse Finance Company . We are well established and over the years have developed a thorough understanding of your needs and individual requirements. We make a point of caring about our customers and our procedures have been designed to suit you. Formalities are reduced to a minimum and together with our flexible approach to each application ensures a speedy conclusion to your loan. The Diverse Finance Company are business finance advisers and independent commercial finance intermediaries. We help Entrepreneurs purchase established businesses or start new ones , help business Owners who require additional finance and/or advice for expansion or working capital, Help property Developers and Landlords fund new development and investment projects. We also help our customers to be free from the limitations of raising finance from one local bank , help you understand your finance raising options , support you in taking full advantage of unsecured government schemes or grants , Blend a unique finance solution for your business from the following disciplines: Consulting, Business planning, Business restructuring, Finance restructuring, MBO/MBIs, Equity financing, Grant funding, Turnaround finance. If you’re looking for loans for any purpose come and talk to Diverse Finance about your requirements. Whether you’re considering secured or unsecured loans, Diverse Finance will help you find the best loans with the lowest interest rate and the most preferential terms available to suit your individual circumstances. We also offer Personal finance , Unsecured business finance, Commercial loans and mortgages, Asset finance, Working capital finance, Short- term - bridging finance, Property finance (development or buy-to- let), Trade finance, Equity/investment finance e.t.c. Finally, because we believe long-term partnership is more than just a fancy marketing slogan, we help to support our client and their businesses by identifying additional revenue generating opportunities using a number of leading edge marketing techniques. To find out more about how The Diverse Finance Company can help you or your business raise finance , please contact us and we will be glad do craft solutions to your financial needs. Hope to hear from you. Thanks Barnett Warwick Tel: +447024046794 Fax: +447004345443 CEO, The Diverse Finance Company 4 Churchill Place London thediversefinancecompany@gmail.com www.diversefinance.co.uk

Buying a house with my separated spouse? How to protect myself?

Ok. I think I asked this on the wrong board...I asked on Marriage/Divorce & got lots of people telling me not to do this. It isn't about if I am going to do this...I AM going to do this...I just want advice about protecting myself as best as I can while I am doing this...so will try it on the legal page. :) Ok. My husband I just separated. We are selling our expensive home. He moved into a free-rent apartment (long story, but it's free) I started a business recently, so I cannot qualify for my own home loan because my bank requires 2 years of self-employment history for that to qualify. My husband has agreed to help me take a loan for a home for me and the 4 kids. We are going to marriage counseling and not really sure if we will make it or not make it. The new house is nice enough that if we got back together, it's a decent place, but if we don't it's affordable for me on my own (with child support of course). The bank said they'd just put his name on the loan because my income doesn't qualify yet. Both of our names will be on the deed. My husband said if we did divorce down the road, then all he would ask is that I help him get a loan (I'm the better business minded part of the couple) for his own place. BUT that could be awhile, since my income won't qualify for a loan for another 1.5 years. My question...I think I should have a legal document prepared that says something to the affect of...he is helping me get the loan, but I am using MY savings for the downpayment, I will pay all closing costs, and I agree to repay it. In return, the house is 100% MINE if we split...I don't repay anything. He can't kick me out or get a cut. Is this legal to do? Please help. I can't get a loan without him and rent for a 4 bedroom house will cost me at least what I will pay on a mortgage and will be a less nice place for me and the kids and am trying to make this easiest for them all around. I want them to have a HOME, not just a house. Any help is greatly appreciated!! Oh,and, I don't plan to default or back out or ruin his credit. I am a mother of 4 and a pretty responsible mother of 4 at that. My bills are always paid on time, and separating from my husband won't change that. If I have to get a couple part time jobs to make ends meet, then I have no problem with that. Thanks. Yes, I will consult an attorney. I don't have bad credit at all. My lender told me that when I called to get pre-qualified, so she hadn't even checked either of our credit yet. She said she CAN add me to the mortgage, but if I have to help him get a loan down the road, I thought maybe it was better if one of us wasn't on the loan. But I don't mind being added. Thanks!

contemplating divorce?

I am incredibly close to divorce and struggling with it every day. My wife and I have been married for 4yrs. We have 2 girls, 4 and 10 mnths. We were together in college from my sophomore yr (her freshmen) and were ok then. About a year and a half before graduating, I relaized she was a great friend to me, but I didn't have strong feelings. i didn't want to hurt her and we were so comfortable that I pushed a breakup off (cowardly and young I know). Then, in my last semester, she got pregnant. I knew I didn't have those feelings for her, but with a child and being young and pressures, I married her, without a spouses love or God in mind. But I was determined to give it my best shot and if it was good enough, I was ok with that. I learned, just recently that she felt the same way back then. Well, we did the dumb things young couples do and bought more than we could afford off one salary. Not frivolous, but we a house and debt from school etc. To her during that time, the number one concern became being home with my oldest daughter, which left me to work 2 jobs, 5-6 or 7 days a week, 80+ hrs (one was a real gov't job with potential growth, the other waiting tables, which is very unpredictable when you need steady income). Even with that schedule, I just BARELY made the bills. So I dd freelancing graphic design at night so we would have just a little bit extra for emergencies or so I could take a day off every blue moon, or just in case I got hurt or sick. I didn't sleep much. I did this for 2+ years and burned out. I cracked hard. I wanted to be home. I wanted to see my girls. But to her, the fact that I worked so much showed that I really didn't care. We could barely make basic bills and debt with my 3 jobs and when I couldnt do three after the second year and dropped to 2 jobs (always 7 days a week) we fell behind and started paying late and getting notices (includiing the mortgage). Still, she doesn't understand why I work so much and wouldn't take a day off. And because I worked so much, I didn't help out a t home with her and my first daughter, and then with the second. I didn't talk to her how she wanted, and I know I didn't. I didn't have anything deep feelings I wanted to share with her. I already did not love her in a spouse way (even the day of my marriage, I felt NOTHING). Needless to say, after 4 years like this we grew apart. She went to work waiting tables close to the 3rd year for about 5 months, but got pregnant again (and we were NOT having sex very often, trust me on this). So I went back to work. When my 2nd daughter was 6 months old, and she had not even started looking for another job, I told her I was through. She agreed, then aweek later decided she wanted to work this out. I agreed to try one more time. Well almost 3 months later and she did not again look for a job, so I worked from 8AM to 1130pm 7 days a week, then when i got home she wanted to talk about working things out and i just wanted to sleep. She got frustrated. I did too and lost any interest in even trying to work out something i did not want to enter into to begin with, even though I tried my hardest to take care of my family and work hard at my good job so I could get a raise maybe and get back to them faster than if I didn't try at all because I knew i wasn't going to get any help from that. Now she is upset with me because I will be breaking up a home for our girls and we should try now. I feel like I tried for 4 years and the home as been broken from day one. We have been seperated from day one. The girls have RARELY seen us together. If i stay home with them, she's normally gone. I feel as though, we can be great co-parents because we already do that as far as how the girls live and do chores and learn lessons about God and life etc. But I feel nothing and I'm ready to go.

Where the best place for a first time mortgage in ireland?



I have been unemployed for over a year,used up all my savings; is there any mortgage payment help; live in OK?

I have been unemployed for over a year,used up all my savings; is there any mortgage payment help; live in OK? I have been thru a lot of different things on top of not of being unemployed; my brother killed himself; my best friend died; my wife cheated on me ran up all my debt and got divorced all in the same year i was unemployed; is there any government assistance to help with my mortgage payment for a month or 2; its right at 400; i live in a 1 bedroom condo; any help would be appreciated; thanks in advance I live in oklahoma; i have gotten some assistance but I dont know if they have programs for mortgage assistance; i have not tried or even found anything; thanks

Approved for 6mth moratorium. What now? Help...?

To make it simple. We applied for a modification and got put on and agreed to a 6 mth moratorium instead. During this period we were to decrease our debt to income ratio making the income ratio higher than the debt. We have succeeded in doing so and our debt is pretty much gone now since we weren't able to make mortgage payments. However, there's a balloon of $8000.00 due by 04/05 unless other arrangements are made. We have completed a hardship letter, financial worksheet, pay stubs everything required for loan modification has been sent in. Our paperwork to approve the moratorium did state that the balloon was final unless other (arrangements) were made with the bank. In the hardship letter I asked if we could be approved for HAMP which is the original reason we applied for a home modification but at that time there was no way they would approve it because we our debt to income ratio was too high, (then) not now. So the bank says not to send in any mortgage payments because it would prove to the bank that we can make the full payment and the purpose of the moratorium was to pay off debt and to get rid off as much of it as possible then send a hardship letter saying why we couldn't pay the balloon, noticeably because we spent all our cash not used on our necessities on paying off major debts. So people are we going to get screwed? Is this the banks slick way of foreclosing on our home? I'm so scared and confused even though I know the numbers and the reason why.Still I'd just like to hear other people experiences and knowledge on moratoriums, their aftermath and if anyone else out there has been able to pull off their lender putting a balloon unto the end of the note and getting approved for the HAMP modification after the moratorium period ended? Note: I saved money and tried to pay my full mortgage payment a few times during the 6mth period and the bank gave a strong NO and confirmed each time DECREASE your debt INCREASE your income, that is the purpose of the moratorium. I was also told by a rep. that almost everybody who's moratorium period is about to expire can not pay the balloon and try to make arrangements for a modification. Witty, respectful answers please. The details of my situation are drastic to say it best.

I need help quick! MK4 Supra?

I bought a 1994 Toyota Supra Auto non turbo last year, I bought a twin turbo engine from JDM in Japan with 5 speed transmission, wiring harness, ecu and everything. I hired a mechanic to do the engine swap, but he turned out to be a fraud, I paid him $5500 for labor and all the parts needed to complete the conversion from auto to manual. I contacted the police and they said they cannot do anything because he used fake names, the truck he drove was actually stolen because I wrote down his license plate number and the police ran it thru on there computer, the place where the car was taken to be worked on was in a trailer park and the people who were living there were also using fake names. January the fraud mechanic had the car towed back to my house without notifying me, I was in Canada with family. When I crossed the border I had voicemails from the towing company saying the driver is there with the car and needs to be paid and if I wasn't there within 15 mins they will tow it to there impound lot, I go there and the dispatcher was completely rude telling me it was my fault I should've been there even though I had no idea I even ordered a tow, I explained to him that it was somebody else and that I had no knowledge of it and he continued to ignore my explaination and made me pay $1800 in towing and storage fees plus another $275 to have the car towed to my house. When the driver dropped off my car he was about to leave and I said where's the key to the car and he said there was none, I had to pay another $175 to have a new key made from a locksmith. Before any I gave the car to the mechanic fraud, I purchased a T67 turbo kit which is setup for 750+hp, Supras are known for there very powerful engines so I wanted to give it alot of power, I also purchased a Titanmotorsports twin turbo fuel system, HKS chrome intercooler with piping, HKS cat-back dragger exhaust system, and an ACT performance clutch. I paid $8400 for just the car alone and $22000+ just on aftermarket performance parts, all the parts are brand new still in the box there just sitting collecting dust and taking up space, the car is in a storage unit, I had to make a mortgage payment of $9500 on my house this month otherwise they would foreclose on it, but I explained the situation to the mortgage company and they postponed foreclosure, but I have to make the payment by April 5th. I listed the car on Ebay and Craigslist with photos of everything that is going with the car and people are saying my price is too high (average Supra MK4 models cost $11k-$85k depending on the condition, mine only needs $400 to get the car running and it comes with over $20k+ in aftermarket parts including a turbo kit setup for 750hp! thats a steal). I am running out of time, money, and ideas. I tried parting the car out, but a few people who seemed interested said they would only pay $4500 for everything which I take as a slap in the face. Can someone PLEASE tell me what my best option would be??

Are there any special programs that help younger people with disabilities buy a home?

As a two part question: #2 What is the best way for 2 people (one unemployed due to disability) and (one making about 1600 a month but has only had the job for 2 months) to get a home under these circumstances? Living with the parents becomes very irritating very fast and we must get out. We don't want an apartment because we need to have decent land and in NJ the cost of an apartment is just about the cost of a mortgage anyway. We have a home we are interested but no only 1000. saved. Most of the money goes to current rent and bills at the parents which we pay half of. Today the new rule is that we can't do laundry and need to go to a laundromat. This only costs us more money and almost defeats the point of being here and paying the bills. Not only do we pay but we also are the only ones to clean, take out trash, do dishes etc. Any ideas or advice is greatly appreciated. BTW There is no discussing anything with the parents. They do not want to hear anything. Thanks.

paying off mortgage faster.?

Can anyone recommend the best book to check out for paying off my mortgage faster?

Serious question about paying off my house or not?

I have 15 years on my mortgage and owe just over 50,000 still. My question is should I just go ahead and pay that off in one payment and get it over with? I have a good steady job so can afford it. The way I see it is appx 1,000 a month for 15 years is around 180,000. So I pay the 50,000 some and save over 100,000. No way I can make that much legally so wouldn't that be the best investment ever? I'm happy where I'm at so not looking for another house

Resolved Question: Good ways to get out of an apartment lease..?

My husband and I want to break an apartment lease we renewed in January. We live in a very nice apartment but its practically a mortgage payment at $900 a month not including utilities. We will be downsizing in many ways by moving into my best friends home. She is a single mom so its the perfect situation for us to all save $$$, pay our debts, and work out a schedule for our children so we can all finish our degrees. Any suggestions or ideas? I will be looking at our contract and the rules of it soon, but just wanted to see if I could get any suggestions or advice ahead of time. We live in Michigan and this would be our 3rd month dead line since we've renewed in January. Thanks!

How to get Best Mortgage !?

I am first time Buyer and I want to Get Best Rate for Mortgage . How should I get Fair price and NO Cheating . What should I be Careful and what should I know ?

What is the best way to pay off a $108,000 mortgage in 3 months?

We make about $27,000/year right now. My job ends in about 3 months and then I want to start having kids. My husband wants the house paid off first. Thank you. We are already paying almost 2 1/2 times the payment every month (for those of you who say we can't afford it) !

Voting Question: Mortgage repayment after selling the house...?

Hi Guys, Here's my question. I have a mortgaged home since the last 2 years (Jan, 2008 to be precise). I opted for a fixed rate 5 years term, which will expire in 2013 and the rate is 5.9% (fixed). Now, I am thinking to sell my house. My question is if there would be any penalty apart from what I owe to the bank? If I sell my house, say for $350,000 and I owe bank $303,000 does it mean I will have a balance of $47000 in hand, or would I incur any penalty as I believe it's the case. I will also contact Bank for all details, but want to ask some experts here first to have some opinions. What's the best way to go about in this situation? Will I be in loss here? Please suggest. Thanks in advance.

Voting Question: What is the best software for tracking mortgages? And cheapest?

We will be collecting mortgage payments and need to be able to track PITI and amortize loans. Don't want to have to pay for multiple user licenses, would prefer a live system where multiple users can be signed on at same time at different locations on one user license. Don't want some rediculously high annual rate. Anyone have any good suggestions? Thanks! :)

Voting Question: Am I doing the right thing with my house?

My family and I live in a 1600sq ft home that my wife bought before we got married. It is only 5 years old and may be just a little to small for us. Its manageable, but not what we would love to have in terms of space. Anyways, the major advantage is that the house will be completely paid off in 10 years. My wife and I are considering buying a new home and are struggling trying to find out whats best. We can stay in the home we are in now, completely upgrade it (for our enjoyment, not so much resale because the upgrades would overdo the resale prices) and have a much easier and less stressful life. Or, we can move to a bigger house, have less money, and looking to be closer to our 70s before we pay off the 30 year mortgage. Its a really tough decision because the house we were looking at is incredible and it would be amazing to live there. On the other hand, staying where we were would allow us to do pretty much whatever we want. I would say, right now, we are living below our means which allows us to throw a lot of money in savings and still have enough left over to buy or do what we want. That is a very nice luxury that just wont be there if we buy the new house.......but....that new house is so incredible........I'm looking for some advice.....

Voting Question: are 50% home ownerships the best way for first home buyers?

and how can you get a 100% mortgage? if you do will your mortgage be really high?

Voting Question: Best way to split custody and get divorced?

I cheated on my wife and after 2 months of sorting through the mess, she has come to the conclusion that she hates me and doesn't want to stay married...which is understandable...I would do anything to win her back...but i am a complete dick and she cannot forgive me. The bigger issue is that we have a 3 year old daughter and a mortgage . Can anyone recommend the best way to go about splitting custody...what is best for the child...and also, what to do about our house? we are middle class people...we dont have the money for multiple living spaces, or to just bail on the house, since it would destroy our credit...any suggestions...?

Voting Question: why do i feel so guilty?

7 Years ago, after 22 years of marriage, I left my husband, The marriage had broken down for me and one day I told my husband I wasnt in love with him anymore and he asked me to leave. we had two kids 15 and 18 at the time. I explained it all to them quite openly, and moved out. I lived back with my mother at the time. I contributed to the mortgage etc, making it as easy as I could for him. I also went in every day, cooking for the kids and cleaning. then when i found myself a place to live the kids came and lived with me and are still with me. My husband was soon out dating within weeks and he found someone else after about a year who he married within two. I was genuinly pleased he had moved on. I eventually met someone and last year i got married again. my friendship with ex is fairly ammicable for kids sakes and I still feel some concern for him as we were together from when i was 17 he was 23 and I feel like he is a brother or sometimes one of my kids. He is having probs with his second wife and I know he shdnt confide in me but he does and it makes me feel sooooo guilty as I feel that its my fault that his life was torn apart when I left him and he is now somewhere he doesnt want to be. I dont regret splitting with him, no way. I know for me it was the best decision, but it wasnt for him and as I say i feel sooooo bad. should I

Voting Question: When purchasing an additional house, is it best to use the same mortgage lender or a different lender?

If a someone already has an investment property with a mortgage and they plan to purchase a primary residence (owning these two mortgaged properties at the same time), is it best to use the same mortgage lender or a different lender? I'm wondering if there are benefits associated with going one way or the other, or perhaps there are some risks or drawbacks to be considered as well?

Resolved Question: Where to go to help my dad's old tax problems?

My dad is looking to buy a new home with the market the way that it is. I'm helping him and he qualified for a small mortgage. However, about ten years ago he had a failed business in New Jersey (we're in Alabama now), and they are saying that he owes some back taxes. He was told that he couldn't go on with the house buy until it cleared or released from the state. I don't mind to pay but calling the State isn't helping much. My dad's english isn't all that great and I wanted to get him some help. Where would be the best place to go? Are there specific attorneys who handle this type of thing? I see helpful websites on the Web but who knows whats legit and whats a scam? and how much will they charge? Is there an easier way to go about this. We don't have enough to pay it all at once and would like to settle? Any advice would be greatly appreciated.( and yes, i understand that if he owes taxes he shouldn't be able to but a house but his mortgage will be about $200 cheaper a month than the rent he pays now and property taxes in Alabama would be less than $200 a year. It would really help him live on his own)

Resolved Question: Somebody please tell me what to do...bankruptcy and foreclosure?

Just bear with me.. We got behind on our mortgage, and credit cards about a year ago, i lost my job, and my husband had his hours cut back. But now i have a job, and he has all his hours back, we are going to file bankruptcy, and we were going to do chapter 7. But if we do we will lose our home, because our mortgage is not current. And then we thought about filing chapter 13, the repayment plan. would that allow us to keep it? But im so scared we wouldnt be able to afford it. What should we do...Should we lose the home, clear the debt, and just rent for a couple of years. Or should we file chapter 13, and try our best to stay afloat. We have a six year old, and one on the way.... PLease give me some advice, i have no one to talk to too. Thank you sooooo much!

Resolved Question: Help me with these Housing Questions?

Okay... Anyone that knows anything about home finances should be able to answer these questions. 10 points best answer! It's okay if you don't answer all of them, just whatever you can! Personal Financial Planning Meeting Housing Needs Please answer the questions. 1)What are four options for housing? Define each. 2)Explain the statement “the home as a tax shelter”? 3)Explain the statement “the home as an inflation hedge” 4)Define Each a.Prequalification b.Earnest Money Deposit c.Contingency Clause d.MLS e.RESPA – (what is it?) 5)What is PMI? When do you have to pay it? 6)What are points and closing costs? 7)What is the most a mortgage company/bank will loan you expressed as a percentage of your monthly take home income? (assuming you have no other installment loans) 8)What are three reasons why people would choose to rent? 9)Explain the statement “agents are typically employed by the seller”. 10)What is a title check? 11)What is the difference between a fixed rate and an adjustable rate mortgage? Balloon-Payment Mortgage? 12)What are the basics you need to understand before financing your home with an ARM? Define Each a.Adjustment Period b.Index Rate c.Margin d.Interest Rate Caps e.Payment Caps f.Negative Amortization 13)When would a customer choose an ARM instead of a fixed rate mortgage? 14)What is the interest rate on a 15 and 30 year fixed rate mortgage? Use the internet. 15)What is a sub-prime mortgage? Use the internet. What is the rate for these types of loans? 16)What is a non income verification mortgage? Use the internet. What is the rate for these types of loans? 17)What is a jumbo mortgage? Use the internet. 18)How can someone finance a home 100% with a mortgage? Use the internet. 19)What is an FHA mortgage?

Voting Question: My HOA Bill is 25K, Can this be?

My mom has been sick and I have been out of town a lot over the past year and a half. A while back I received a letter from my hoa saying my fence was against code and they would charge me 100/day. I immediately replaced the front from wood to vinyl. I told them I couldnt afford to replace it all at once and I would replace panel by panel. I couldnt take it down because my house was robbed and vandalized. So, I bought the fence and a rottweiller in the same week. The only way to contact my hoa is through email. I have sent them over 4 emails and never heard a word. After a few months I get a bill for 10,000 I send another email explaining that I have replaced well over half the fence and can hardly afford my mortgage as it is. I never heard a word. Now I went out of state for the entire month of Feb. I just got back last week and see that my tires are slashed, and there is a letter from my hoa saying that if my vehicle isnt fixed in 10 days they would charge 100/day for that too. This is an 06 suv not a hunk of junk.by the time I read the letter it had been 36 days. So, now I owe 2600 for that, and had it towed to my sisters, until I can replace the tires. In the mail also, was a bill for the fence for 24,000. This is crazy. My house is only worth 115,000. There are wood fences ALL around that the builder put up, I am trying my best to fix it. Can they really charge this much? Am I going to have to pay this?

Resolved Question: Legalcpn.com (scammers)?

This my question to legal cpn.com: How is it possible that someone can get approved for a mortgage when applying there is a form you must sign certifying that that is your ssn under the penalty of violating federal laws if misrepresented and you must provide a copy of your ssn card and the same goes for the auto industry. Legalcpn.com Response: your question/ response is from a position of misunderstanding or ignorance. Not in a negative way, but your comment is 100% lacking any other means of purchasing a home or auto (following your example) other than simple financing. If you call a dealer; tell them you have a business and you want to complete a fleet sales application and can they assist you with your application. On such application you will not find SSN as would you find on most poor people application or application for individual sales. As far as real estate we tell our clients to purchase their homes with land contract or owner financing. In such situations you will not have such form as you mention. I'm sure the world has seen the fact that you or any other poor person has a "MORTGAGE" AND MEANS LITTLE WHEN YOUR NOTE IS DUE; FOR I'M SURE YOU HAVE SEEN THE BANKS WILL KICK YOU OUT OF YOUR HOME JUST AS FAST AS A LANDLORD, LAND CONTRACT, OR OWNER FINANCING. I hope i best answered your question, and I'm sure you can see their are ways to purchase homes and cars other that forking over private and personal information which was not designed to be freely given out in purposes of GETTING SOMETHING EITHER FOR FREE OR ON A MONTH OBLIGATION WITH YOUR SSN NUMBER. Your ssn number was designed to track your earnings and wages over a life time as to wages and taxes and deciding your ssn benefits when such time arrives not for someone to be able to go-to shaddy's auto yard applying for a low budget used car or going to boost your rates every 6 months until you cant afford your low end under 200k home until they take all your money destroy your ssn credit and send you back to a over priced apartment where you ll pay for something for ever and never own it. I hope i made this point clear; the awaking process is necessary to make or take steps toward new and better credit. Update I informed Legalcpn.com that I was posting there response here it is how unprofessional: Appearnently, we have listed in our disclaimer, contract which must be signed and posted very clearly on our website the pro, cons, law and case history what someone can and can not do! Also Legal Zoom also sells a product very simular to what you recieve from LegalCPN at nearly the exact same price... Im sure youll email them next stating your moral believe not rooted in "any type" of legality. I guess you'll send a letter to the gun manufactures, missle, tank, battle ship and war airplane builders and tell them the same story.. im sure they will tell you that they built it but you need to read a contract to make sure your are lawful in YOUR ATTEMPTS. Matter of fact tell obama to bring home the troops! Im sure their still killing and being killed with same bullets build, missles, and such would not have been killed if not for the operator. Continued: aaawww. you going to forward a email becuase someone told you SOMETHING YOU DIDNT WANT TO HEAR! :? THATS WHY I USE THE LANUGUAGE POOR AND IGNORANT BECUASE FOR SOME REASON I FIGURED YOUR POOR AND VERY IGNORANT AND IF IT WAS YOUR WORLD AND EVERYONE LIVED IN IT, YOU WOULD TAKE THE FU OUT OF FUN AND SECRETLY LISTEN TO SOMEONE "TELL YOU HOW IT SHOULD BE DONE, THEN TELLING EVERY ONE ELSE WHAT YOU THINK." You know what that is; slavery! Im sure your black, your a black woman, you have a slave girl house nigga mentality and your iflled with self hate! Just a observation! Continued: PEOPLE PLEASE BE WARE OF LEGALCPN.COM!: I would sell you anything!! Ha!! You see our ads on tv/ radio/ print/ we have 987 affiliates, avon, amway huh?? "im going to do this, im going to do that?" why what did we do to you??? your just a hater huh??? then you lean on the lord huh??? well i guess what goes around comes back around huh??? now you can see y u r the way u r???? hateful, over oppinioated, loser, ha! maybe you should get a service site and do it your way?? do it the right way huh?? or you to lazy??? Maybe you should try to smile get a man, be nice?? stop complaining critizing and condeming?? Maybe you should read a dale cartinigy book??? try management and stop being a indian... hater! Ps somebody had to tell you this,, god speaks through people, and not every thing god does is good.... read the bible god is just and honorable.. read revelation he will come back and kill and get rid of wickedness im sure your not guilty and worthy of saving

Resolved Question: Bankruptcy! What's the best way to start fresh & not lose it all!?

It's gotten to the point where I'm so in debt I'd have to take out a loan just to lose more hope. I can't pay my bills. I'm hundreds behind on everything. Even the Mortgage and property taxes. My business isn't getting calls, because the competition is too steep and I don't have the money to even try to upgrade so as to keep up. I need a solution, besides the winning Power Ball lottery numbers that come to me in a dream. (Course, I'd have to play first). My credit is so shot, payback on the Bankruptcy isn't really an issue. Help!? I know I can look for this online, but I'd rather have people that have experience share here. Thanks.

Voting Question: Does it help or hurt my tax return if I own 2 homes?Which online software is best suited for 2 homes?

One home I live in and the other home I own is rented by my uncle but he basically pays the mortgage as I don't make any rental income.Should I include that home's property tax in my tax return or not?If so which online software is best for 2 homes? Will 'taxact' do the job?Thanks.

Resolved Question: Credit experts, lenders, mortgage underwriters?

I have a very average credit score, 689 I believe. I have some negative history on my credit report. My wife passed away in 2003. In 2005 I had a stroke and was hospitalized for a long period of time, became severely depressed and was in rehab for several months. . While I was still in rehab I wasn't sure if I would ever work, and actually applied for SS disability. When it came down to finally ruling on the disability I elected not to go thru with that as I was getting better and felt I could return to work. Unfortunately I let my concern about paying off my credit card accounts get the best of me and I utilized a well advertised credit service to settle my accounts. Some I paid off in full but I have some charge offs on my credit report. I am a self employed medical professional. I have a contract with a local hospital and my gross income is around $340K annually. I have an outstanding loan for a vehicle and some small student loans for my oldest daughters college education. I have no current mortgage, as I recent sold the house I own in another city. Will paying the charge offs now help my credit report and score? I have also noticed on my credit report hat I have some open accounts that I no longer use, tho the balance is zero on them. Should I close these accounts? Also since I am self employed my credit report shows no history of employment since 2003. How do I deal with that? Will this negative history be of less significance after 7 years, as with bankruptcy? Be very wary of credit "counseling" or credit consolidation services. I was NEVER told that this would reflect negatively on my credit history. I should have spent the money that I gave to them to pay off my bills. Now I'm suffering for it.

Voting Question: I'm 35 and want to retrain to become a Motorcycle Technician...?

Has anyone else been in this situation? What's the best way forward? I have a family and a mortgage to pay so I still need to bring in a full time wage. I'm more than happy to work/train evenings and weekends to achieve my goal but I can't fathom the way to do it as an adult learner, Can anyone help? Thanks

Resolved Question: some feedback would be nice?

How did Shakespeare find his inspiration did it come from personal experience i dont know i think so this story goes back half my life its about love loss and happiness joy and life every day we are given choices my father has always said that "no decision is a decision and its always the wrong one" he is right 19 years ago I was 16 it was summer and i was working at my first real job i was doing dishes. after a few weeks of being there i met her. She was a tall brunet with thick long slightly curly hair. she was quick to smile and her eyes squinted at the corners when she did. Built Like Marlin Monroe such amazing curves. her eyes i can never forget peircing brown sparkling beautifull clear skin with a tinge of somthing exotic. I was horsing around with her and her best friend as she walked away i snapped a bar towel at her playfulley it was the perfect snap right off her 18 year old but it was not my intention to hurt her in the slightest i was trying to be cute. after the towel snapped she jolted ramrod straightand her eyes flashed fire then she quickly turned and walked away from me. I have thought about than moment more times than i can count how it has reverberated through my life. i thought her friend was going to dump hot coffee on me. i quickly went after her to apologise i caught up to her and she had tears in her eyes,my gut churned and i was so sorry, those eyes burned into my heart that day. She forgave me, and even concented to go out with me even though she was older by 2 years and went to a different high school which is a big thing in a small town. so we dated kinda on the sly. our second date we ended up on a bluff overlooking the town at night. we smoked some pot and were chatting away listining to music the timing was right the chemistry was right and we kissed, it was perfect. for me it would be the kiss all others have been measured against, and found lacking i didnt even have my licence yet, or a car she was very popular had lots of friends played basketball I knew i was in for a tough sell with this girl, but i was hooked then it came apart her ex boyfriend came back into her life he was older was more exciting was a bad boy, and they had history. so we were just friends then and worked together. over the next few years we grew into great friends, we had common friends and hung out all the time, in fact her best friend eventually married my best friend they have a beautifull family and are happy i had girl friends, but she was still in my head. she told me he had asked her to get married, she had agreed. i was happy for her, kinda. but there was still chemistry between us and we always found ourselves drawn to each other we always honered our promises to others but we had become best friends confidonts. things started to go wrong for her when she was about 19 her relationship was devolving into somthing bad and dangerous he was becoming more erratic and hard drugs were being abused. she was a mess emotionally, then her father got laid off from the paper mill ( thanks spotted owl) he found another job but is was in vermont and they were moving away. she stayed in their house and tried to make a home with him she payed the mortgage worked hard and i was her only outlet I fell madly in love with her i knew she loved me but she couldent say it, she was so sad we were spending more and more time together and before long she told me she loved me too everything changed then things with him went from bad to worse and she was torn she loved him too, he could be dangerouse and unpredictable though the next few months we saw as much of each other as we could, I thought if i could love her enough she could get the strength to finally get him out of her life and everyone be safe. for a few months though we were magic I held her in my arms, she loved me it was good sounds silly and cliche, but it was the happiest time in my life but after a time i realized somthing was wrong with reflection i have come to realized that I had become connected to the past. I couldent understand that then I could feel her pulling away emotionally and the rejection was tormenting i thought if i held on tighter i could hold this thing together she was for the first time as an adult now enjoying her freedome. and I was too much of a reminder of pain I reacted with anger jealousy my heart was breaking this wasnt supposed to happen we rerely spoke any more i sank into depression drugs and self pity all the things she hated and i loved her anyway GO HERE TO SEE THE REST OF THIS STORY... http://blogs.myspace.com/index.cfm?fuseaction=blog.ListAll i just started to write sorry for the mistakes

Resolved Question: i need some feedback?

How did shakespear find his inspiration did it come from personal experience i donr know i think so this story goes back half my life its about love loss and happiness joy and life every day we are given choices my father has always said that "no decision is a decision and its always the wrong one" he is right 19 years ago I was 16 it was summer and i was working at my first real job i was doing dishes. after a few weeks of being there i met her. She was a tall brunet with thick long slightly curly hair. she was quick to smile and her eyes squinted at the corners when she did. Built Like Marlin Monroe such amazing curves. her eyes i can never forget peircing brown sparkling with inner light beautifull clear skin with a tinge of somthing exotic. I was horsing around with her and her best friend as she walked away i snapped a bar towel at her playfulley it was the perfect snap right off her 18 year old but it was not my intention to hurt her in the slightest i was trying to be cute. after the towel snapped she jolted ramrod straightand her eyes flashed fire then she quickly turned and walked away from me. I have thought about than moment more times than i can count how it has reverberated through my life. i thought her friend was going to dump hot coffee on me. i quickly went after her to apologise i caught up to her and she had tears in her eyes,my gut churned and i was so sorry, those eyes burned into my heart that day. She forgave me, and even concented to go out with me even though she was older by 2 years and went to a different high school which is a big thing in a small town. so we dated kinda on the sly. our second date we ended up on a bluff overlooking the town at night. we smoked some pot and were chatting away listining to music the timing was right the chemistry was right and we kissed, it was perfect. for me it would be the kiss all others have been measured against, and found lacking i didnt even have my licence yet, or a car she was very popular had lots of friends played basketball I knew i was in for a tough sell with this girl, but i was hooked then it came apart her ex boyfriend came back into her life he was older was more exciting was a bad boy, and they had history. so we were just friends then and worked together. over the next few years we grew into great friends, we had common friends and hung out all the time, in fact her best friend eventually married my best friend they have a beautifull family and are happy i had girl friends, but she was still in my head. she told me he had asked her to get married, she had agreed. i was happy for her, kinda. but there was still chemistry between us and we always found ourselves drawn to each other we always honered our promises to others but we had become best friends confidonts. things started to go wrong for her when she was about 19 her relationship was devolving into somthing bad and dangerous he was becoming more erratic and hard drugs were being abused. she was a mess emotionally, then her father got laid off from the paper mill ( thanks spotted owl) he found another job but is was in vermont and they were moving away. she stayed in their house and tried to make a home with him she payed the mortgage worked hard and i was her only outlet I fell madly in love with her i knew she loved me but she couldent say it, she was so sad we were spending more and more time together and before long she told me she loved me too everything changed then things with him went from bad to worse and she was torn she loved him too, he could be dangerouse and unpredictable though the next few months we saw as much of each other as we could, I thought if i could love her enough she could get the strength to finally get him out of her life and everyone be safe. for a few months though we were magic I held her in my arms, she loved me it was good sounds silly and cliche, but it was the happiest time in my life but after a time i realized somthing was wrong with reflection i have come to realized that I had become connected to the past. I couldent understand that then I could feel her pulling away emotionally and the rejection was tormenting i thought if i held on tighter i could hold this thing together she was for the first time as an adult now enjoying her freedome. and I was too much of a reminder of pain I reacted with anger jealousy my heart was breaking this wasnt supposed to happen we rerely spoke any more i sank into depression drugs and self pity all the things she hated and i loved her anyway we drifted apart i would see her from time to time but everythinh had changed she looked at me with contempt then I saw her dating a friend of mine I was filled with rage at him, at her, at myself. I felt such a fool i felt so used i was so hurt i wanted to hurt her so bad, I wanted her to feel the pain i felt this betrayel FOR THE REST OF THE STORY GO H go here...http://blogs.myspace.com/index.cfm?fuseaction=blog.ListAll

Resolved Question: what do you think of this story?

How did shakespear find his inspiration did it come from personal experience i donr know i think so this story goes back half my life its about love loss and happiness joy and life every day we are given choices my father has always said that "no decision is a decision and its always the wrong one" he is right 19 years ago I was 16 it was summer and i was working at my first real job i was doing dishes. after a few weeks of being there i met her. She was a tall brunet with thick long slightly curly hair. she was quick to smile and her eyes squinted at the corners when she did. Built Like Marlin Monroe such amazing curves. her eyes i can never forget peircing brown sparkling with inner light beautifull clear skin with a tinge of somthing exotic. I was horsing around with her and her best friend as she walked away i snapped a bar towel at her playfulley it was the perfect snap right off her 18 year old but it was not my intention to hurt her in the slightest i was trying to be cute. after the towel snapped she jolted ramrod straightand her eyes flashed fire then she quickly turned and walked away from me. I have thought about than moment more times than i can count how it has reverberated through my life. i thought her friend was going to dump hot coffee on me. i quickly went after her to apologise i caught up to her and she had tears in her eyes,my gut churned and i was so sorry, those eyes burned into my heart that day. She forgave me, and even concented to go out with me even though she was older by 2 years and went to a different high school which is a big thing in a small town. so we dated kinda on the sly. our second date we ended up on a bluff overlooking the town at night. we smoked some pot and were chatting away listining to music the timing was right the chemistry was right and we kissed, it was perfect. for me it would be the kiss all others have been measured against, and found lacking i didnt even have my licence yet, or a car she was very popular had lots of friends played basketball I knew i was in for a tough sell with this girl, but i was hooked then it came apart her ex boyfriend came back into her life he was older was more exciting was a bad boy, and they had history. so we were just friends then and worked together. over the next few years we grew into great friends, we had common friends and hung out all the time, in fact her best friend eventually married my best friend they have a beautifull family and are happy i had girl friends, but she was still in my head. she told me he had asked her to get married, she had agreed. i was happy for her, kinda. but there was still chemistry between us and we always found ourselves drawn to each other we always honered our promises to others but we had become best friends confidonts. things started to go wrong for her when she was about 19 her relationship was devolving into somthing bad and dangerous he was becoming more erratic and hard drugs were being abused. she was a mess emotionally, then her father got laid off from the paper mill ( thanks spotted owl) he found another job but is was in vermont and they were moving away. she stayed in their house and tried to make a home with him she payed the mortgage worked hard and i was her only outlet I fell madly in love with her i knew she loved me but she couldent say it, she was so sad we were spending more and more time together and before long she told me she loved me too everything changed then things with him went from bad to worse and she was torn she loved him too, he could be dangerouse and unpredictable though the next few months we saw as much of each other as we could, I thought if i could love her enough she could get the strength to finally get him out of her life and everyone be safe. for a few months though we were magic I held her in my arms, she loved me it was good sounds silly and cliche, but it was the happiest time in my life but after a time i realized somthing was wrong with reflection i have come to realized that I had become connected to the past. I couldent understand that then I could feel her pulling away emotionally and the rejection was tormenting i thought if i held on tighter i could hold this thing together she was for the first time as an adult now enjoying her freedome. and I was too much of a reminder of pain I reacted with anger jealousy my heart was breaking this wasnt supposed to happen we rerely spoke any more i sank into depression drugs and self pity all the things she hated and i loved her anyway we drifted apart i would see her from time to time but everythinh had changed she looked at me with contempt then I saw her dating a friend of mine I was filled with rage at him, at her, at myself. I felt such a fool i felt so used i was so hurt i wanted to hurt her so bad, I wanted her to feel the pain i felt this betrayel. i did the only thing i read the rest here http://blogs.myspace.com/index.cfm?fuseaction=blog.ListAll

Resolved Question: Should we get preapproved with more than one lender to get the lowest mortgage interest rate?

Can anyone help me with info about getting preapproved (I have excellent credit) and how to lock in on the best rate for a mortgage? Does who you get preapproved with affect your final rate? Should I get preapproved through more than one lender? 9 years ago, we were preapproved for a home, and we ended up paying a 0.375 % higher interest rate than what the average rates were at the time. I was told they just had to take whatever rate was available on the day escrow went through. I felt cheated, but it was too late, the loan had gone through. So this time I am trying to be more careful. Also, I can't go through my local office, since we will be purchasing a home in another state. Of course, there are the big lenders with offices everywhere, but I am afraid they won't give me the best rate. What do you think? Thanks for any info you can share with me and for your time :) Thanks for your answers! To make sure I got it right: I'll only get pre approved one place then, probably through my own bank. And I can't/shouldn't lock in at that point, but wait until I have a contract in hand on a house. At that point, I can still shop around for the lowest interest rate? Or do I have to go with the lowest interest the bank I got pre approved with offers? Is it true the bank can only raise the interest rate 1/8 over the good faith estimate it quoted me at the time I applied for the actual mortgage? And do I have to lock in to get that, or is that automatic? Thanks again, you've all been very helpful!

Resolved Question: Please help - Need very basic advice on setting up a ltd company vs sole trader?

Hi All My wife is in a position to refer business to another company, who have agreed to pay her commission for every referral. The income she anticipates to generate each year will be ranging from 5k to 10k per annum. My questions are as follows: (1) Due to the limited income, should she set up a ltd company or just become a sole trader, or anything else you can recommend? (2) Someone told us that it would be best to set up a ltd company, and then get income as dividends. Whilst this may be answered in question 1 above, would this be a good option? (3) My wife would be working part time from home, which we are paying a mortgage. Can we claim anything as rent? I've read that we can claim £3 per week? (4) In order to start the business, she'll need to buy a work computer, printer, have internet access, make some work calls to generate leads, buy stationary, postage costs, etc. What can we claim? I appreciate that the answers might be different depending on which route she is best to go down. Can she just claim back the VAT when she does her tax at the end of the financial year or can we claim the whole costs as expenses? If you can claim the VAT back, do you need to be VAT registered? Due to the small income, she's not intending to be VAT registered. (5) When people say that you can claim the costs as expenses what does this actually mean? ie. If the income generated in the first year is £8000, and she's spent £1000 on computers, printers, etc. Does this mean that we only pay tax on £7000? Any advice would be greatly appreciated so we have some idea before seeing an accountant. Thanks

Resolved Question: Living problems , going nuts.?

For the last few weeks i have decided i am sick off my life. I have no job, live with my parents and share a small room with my brother, no way of income, nothing to do. I am sick off it, my parents never gave me a good education or ever got a mortgage and live in a councils house. Too top it off we live in Dagenham Barking which is the 14th worst place to live in the uk. The unemployment rate is nearly 3 times larger the the Uk's national average of 4.8 per cent, many people like me are unemployed are between age 18 to 25 and i know why. When i look for jobs (5years now) all i get is sorry no jobs available even places like tesco is full and not looking for new people. I used to look my best when applying for jobs, i was clean and neat and short hair but never any luck, in-fact i have only had 1 job interview in 5 years. I have many friends who are all the same expect only 1 friend was luck to get a job at Woolworth's but then that closed down. I want to get my own place and move up north to norfolk were i will be with the rest of my family(the smart ones). How on earth do i get help ? it seems after you hit the age off 18 no one cares, no one helps. I feel very depressed and i feel angry when i see people on TV with money and buying house's because i cant even get a bloody job which i try so hard. I may add that one of my friends is worst then me and had to go to rehab, i could follow down this road quite easy. I wish to get a job which earns at least £800.00 a month so i can get a mortgage on a share buy house. What can i do, i cant cant live here or find work and such a poor area. I have been trying for 5 years for a job. Please help. i tryed some job training program from the job center, which not really helped much. The edcation here is very poorfor example most gcse fail. for the last 5 years there has only been 1 sucessfull year that left school which have not failed. that, and that was 3 years after i left.

Resolved Question: Where do you think the best place to refi a home mortgage is right now? We live in the 60081 zip code.?

I was just given the following information on possible ways to refi. Can anyone tell me if they think this would be good or if there are other lenders that are better? This is from American Bank and Trust and they said they are FDIC insured and one of the top sellers to Freddie Mac. Please give me your advice/opinions. I think we have to go with the 30 year fixed with closing costs included. Thanks Loan Amount of $195000. 15yr rate with no closing costs 4.5% payment will be $1491 15yr rate with closing cost paid by you $1466 (true all in closing costs are $1794) less $335 bank rate credit. 30yr rate no closing costs 5% payment $1019 30yr you pay costs same as above 4.875% $1031 Same credit as well. Thanks for the idea bout the modification. I wish we could do the 15, but just can't do it. We own some other property and the taxes here are high too. Just can't budget in another 400. Thanks so much though for your advice.

Voting Question: How do you feel the mortgage rates are right now and what do you think they will do in the future?

I'm curious about anyone who knows about mortgage rates. How low had they gotten and how low do you feel they are now compared to where you think they will go? I know that no one can predict anything, but there must be smart people who are familiar with them and have an idea. I know it can be right or wrong, but those in the industry I think have a better idea than someone not in the industry. Also, where would you go to find the best rate right now? If I go to something like bankrate.com will I find the cheapest? Are there any companies that have scams on sites like that? What should I watch out for?

Resolved Question: Which US president had the best economic achievements?

A. Coolidge- "Overall Best Economy" the best economic times by the numbers, height of the roaring 20s, lowest unemployment average in history, lowered taxes for everyone and eliminated 2 million people from paying income tax and only the top 2% paid income tax, reduced federal spending, and retired a large amount of the national debt. B. Reagan- "Greatest Peacetime Economic Boom" took over the worst recession since the Great Depression and doubled the GDP, doubled govt revenue, cut unemployment in half, stock market had record gains, inflation was gone, 18 million new jobs were created, workers salaries highly increased, sweeping tax cuts, cut taxes for the middle class by 65%, only around 2 trillion in debt added despite the Cold War costing 8 trillion. C. Bush- "Economic Success under National Distresss" inherited a recession and many national emergencies, cut taxes which resulted in 52 straight months of job growth which was the longest period in history. Averaged unemployment for 8 years at 5.2%. Low debt added while with a Republican controlled Congress. In last year an econmic crisis occured from the subprime mortgage crisis which was not inacted by Bush and was attempted to change before it occured. Highest GDP gain in a 20 year period.

Voting Question: How to get my money back from a company in N.J that scammed me?

Best Rate Interest Mortgage Company out of New Jersey told me they would get me a loan modification back in March 2009 we paid them $1250. for this and they done nothing,they said they would give us 75% of our money if they couldn't do it, we have tried to get them to call us back, no reply, we have a signed contract by them but we are in S.C. what should we do? I desperately need my money.

Voting Question: My father-in-law and my mothe-in-law are staying with us for 5 years.?

My father-in-law and my mothe-inlaw are staying with us for 5 years. I don't want them to live with us because of a lot of reasons. First, they started to move in my house last five year ago. My wife told me that they were going to stay with us for a few months. However,they didn't move out. They came from third world country and they live in my house as if they live in the third world country. They don't understand how to live in the United States. They picked up a lot of stuffs on the street that some people threw away, and brought back to my house. They are really messy and their room is like a garbage. They threw away the garbage wherever they want to. They messed up my dining room, living room, etc. They spit their saliva wherever they want to around the house (on the carpet, etc). I don't really like it. They never paid the rent at all for over five years. If I am rich, I don't mind. However, I am the guy who get minimum wage. I can barely pay for my own mortgage. I think they should help us out. They destroyed my very expensive electronic stuffs that I bought. They used all my stuffs and destroyed it. They don't know how to handle the electronics and other expensive stuffs. They are really messy and unorganized. Now, they brought their another children( over twenty years old -two children). Their children are also like them and they are from third world country. Their children are illegally staying in my house(NOT A LEGAL ALIEN, so they cannot work). They don't pay for rent and for food. I don't want them to live in my house. I tried to educate them, but they don't listen. They are trying to attack me and yelling at me. I told them "please do not use my stuff if I don't allow" . They don't care what I said. They said "who cares...I used it..so what? what do you want to do? they chALLENGE me. I lost over $2000 when my wife and I were on vacation. I put it in my bed room and locked it. Nobody live in my house. Only four people live in our house - My wife, my father in law, mother in law and me. As soon as I came from my vacation, I realized that something is wrong in my bedroom which I locked in. When I asked them, they said they broke into my bedroom and they called some of their friends and fixed the internet. My wife and I bought the house after we get married. Of course, my wife wants to stay with their parents. I don't want to hurt my wife's feeling. I understand she really love her parents. However, nobody can understand me as my point of view. I don't want them to live with us. I tried to tell them "please rent to another apartment and move out". They don't listen. They don't care whatever I said. My wife doesn't listen. Now, all I have to do is move out of my house and divorce my wife. I tried to explain million times to my wife. She didn't listen. She want to live with her parents. It is very understandable. However, I cannot understand her parents. They live in my house. They eat my food. They used my stuffs(bed, matress, pants,computer, tv, every kind of stuff) and THEY are yelling at me and trying to control my house. What should I do ? any suggestion. I want to do it by law . any legal advice. Should I hire the lawyer? I don't want to waste my money on lawyer. I wish anybody out there who understand the law can help me out. thanks. Which is the best website/forum for my problem ? I called the police. They said "discuss with your wife". ask them to leave. If they don't leave, hire a lawyer. Police said there is nothing I can do to help you and I should discuss with my wife. Are you sure I can call the police and police will help me. Note that My wife and I own the house. Note,I didn't mention that every people in the third world country spit their saliva. All I want to say is this is what he did.

Resolved Question: Hi, I have a math problem i'm having trouble with.. please help me with at least a PART of it? :/ thank you!!?

Hi, I have a math problem im having trouble with.. please help me with at least a PART of it? :/ thank you!!? I've been trying to answer this problem but i just cant! so if you just give me the formula or like how to answer it or the answer to it that would be the best!!! you dont need to answer the whole problem.. just a part of it at least? its due tomorrow :/ this is my last resort! Consider the following article: Nearly Two years ago, Mario and Leticia Montes found a home they loved, a gray stucco bungalow with a hot tub in the backyard in a middle-class neighborhood of Orange County. The price was a major stretch at $567,000. But the couple, who had sold a home a few years earlier to move to a better area, was tired of renting. Mr. and Mrs. Montes convened a meeting with their two teenage daughters around the kitchen table to hash out the implications. "We agreed we wanted to be homeowners again," says Mr Montes, "even if it meant the end of vacations and not eating out as often." Like many people who jumped into rising housing market in recent years, they has little money for a down payment and chose a loan that would hold their monthly payemnts down for the first two years, then "reset" to a much higher level. Mr. and Mrs. Montes says their mortgage broker assured them they would be able to refinance in a couple of years to keep their payments affordable. With a Decemeber "reset" on their loan looming, however, the refinancing option now looks impossible. A friend who works as a loan officer called with some bad news this week: Similar homes in their area have been selling for $535,000 to $565,000 recently. That means the Monteses' loan balance may exceed the value of their home. (Assume a 30 year mortgage) a)If the Montes's beginning mortgage rate was 4.25% compounded monthly, find their monthly payment. b)How much of their mortgage would still be unpaid at the time of the loan reset? Is this higher than the average price of homes in their neighborhood? c)What would the Montes's new monthly payment be if their interest rate climbed to 11.25% compounded monthly at the loan reset? d)How much more will the Montes's pay each month for their loan? um.. this is a MATH problem. thanks.

Resolved Question: I'm underwater by about 70K on my house and am thinking of a strategic foreclosure on my 2nd mortgage only?

My house is worth 210K. I owe 230K on a 1st mortgage and 50K on a 2nd. I plan to retire and sell the home in 7-10 years but it looks like I have little chance of breaking even. What is my best option?

Voting Question: How do I "let go" of what happened? Only 30 & up, please... This is LONG. Sorry?

I recently turned 40, have been through a lot with relationships and am where I know I want to be with a man. I would like to be married again, have a man that knows what it is to treat how he is treated. I found one. Or so I thought. I was happier than I've ever been (I've had only long term relationships ranging from the least at 2 years, top of 8 with marriage). From the beginning there were the usual cover-ups (which I find that most do, but I don't tolerate - Yes, I am always honest about my past & present.. avoids issues). First, we agreed not to see other people-his idea and I was smitten so agreed. He said he had to go to church one day. After I talked to him a little more since he was vague, discovered that he was supposed to go with the girl he just broke up with (to date me). He got a free card on that one after a "chat" about what to expect dating me. Then, he had a friend that came into town and I asked him if they had ever been together, he said no. They went downtown to a Cubs game and sightseeing and he took her to the airport. Granted, he came over after the game and was at my house before he took her to the airport. No, I never met her. We went away for the weekend, had a few drinks, he got a text telling him she was moving back and I asked why she wanted his help to move, conversation got longer. Apparently drank too much because said something about sleeping with her a long time ago. I asked him why he lied and he said he didn't realize I was that cool about past relationships and felt like he needed to in order to avoid an argument. Another "chat". Yes, I'm cool headed. I didn't feel I had a reason to be jealous by the way he treated me, spent every second with me that he wasn't working, text me all day, etc. Everyone who knew him said he was a totally different person and I am the best thing that ever happened to him. NOW, here's where the complications begin. He has bartended since I met him. 19 years part time now. No steady full time job that was over 3 years it seems (last full time he got let go from was a year ago for real estate appraisals and his best friend was who employed him. Worked when he wanted. He owns and rents a townhome property as well. His brother lived with him and gave him 700/month in rent. He always had money to spend when we went out and $500 for his boat to "fix"... Then for 2 months over the summer my contract went from 40 hours to 20 hours. We spent a lot of time together with the kids and alone - usually four days/nights a week, if not more. He bartended Wed/Fri/Sat and made about $1k/wk. What I didn't know? CC bills and back taxes owed... also that the renter wasn't making her payments on time and he didn't have the money to front for mortgage or association so the assn sued him and thats how I found out TWO DAYS before we moved in together that he NEEDED a full time job the entire time we were dating and just didn't get one because he liked spending time with me. ??? HUH? OK, well, I guess his frivolous spending wasn't going toward his cell, garbage or cable... they were all intermittently turned off with "I keep forgetting to pay the stuff on time, I should pay online so my credit doesn't go bad". Garbage cans were taken... still gone ... new renter doesn't need them. So, I said he had to get a full time job or kick his renter out. Easier said than done... he got another bartending job by me before he rented his house (second property - both now breaking even)... however, two and a half months later, not even a Home Depot job. He tries, has come close, but owes me about $1k from our agreed on rent. My problem here is that had he told me he couldn't help out, I would've told him to stay put til he figured it out. I'm a single mom of two boys, work as a consultant from home and JUST started to get ahead and have over $5k in the bank in October. THEN, I started my own company based off of a referral from what I've done for 6 years. I had ONE shot, hired three people - he was one of them because he ASKED and said he could do a great job - it was money. $800 a month working TEN hours a week. Yes, it was on the phone setting appointments. SO WHAT? You get no rude people, just people they are already approved. He was given the "company memo" because I could tell he wasn't doing his job... I was sitting right next to him. He knew my reputation was on the line, knew he wasn't doing what he was asked, got himself fired with the HEAD internal wholesaler, who convinced the others to move to where he went. He lost my two best friends their jobs and they quit other jobs to work from home. I have been doing this six years and YES, you DO have to call everyday if they ask, etc. Yes, I talked to him before it got bad, I sent an email to all making it look like new policies were in place, just to get him to make the required calls. Nope. He lied and said that they told him he didn't need to call in and that Thanksgiv

Resolved Question: All Real Estate Agents: Is coldwell banker a good employer ?

I'm a new agent, in CA! And i've been with a broker who does both mortgage and real estate, but, am getting no where. Is it best to join a known Real Estate Company! I've meet two ppl that work at Coldwell Banker and they make over 1M a year, ofcourse they've been in the business for 20+ yrs...but, how do you choice a good company/broker?? is it about Coldwell Banker, ReMax, etc...or is it who you know???? I see also allot of ads as "buyers agent" hiring, join today??? is this a good idea?? i know the market is all about REO properties, and its only going to get busy?? Please advice!! Thanks

Voting Question: How do I buy out a mortgage?

My grandfather recently passed away and his house was left to his four adult children. My father and I want this house more than we want anything in the world, we lived next door to my grandfather and helped keep up this house and acres of yard for more than 20 years. The time has now come when two of the children want to sell the house to escape any memories, one doesn't care either way and one will fight until the end (my father) to keep this house in our possession. Neither my father nor I have the best credit - but I have been told that it is possible to buy out at least one other member out to assure I can keep the house until I can come up with the rest. I need ANY and by any I mean ANY financial advice you may have to give me on this matter. Whether you think it's little, big, important or unimportant I want to know. I need to know everything I can to try to fight this. I will be contacting all the banks around to attempt a loan but I feel that I need other answers to ensure that I have exhausted ALL of my connections before I give up.

Voting Question: How do I really choose the best career path for me? Can I work directly with people with social phobia?

I am a single man, 42 years old with two teenagers and a mortgage. I have been avoidinga real education because I guess I never realized the value of it and figured I would always work with my hands and could gain skill through on the job experience. I have social phobia and have been really depressed lately and need to get back on my feet somehow. I want to become a professional at something like my peers all seem to have done.

Resolved Question: Will I be Approved for a car loan to finance the difference of my car?

I am trying to finance a new vehicle. The price of the car is 26500 I am putting down 17,000 I want to finance the difference plus TT soo.. around 10,000 My parents will be making the monthly payments because I am currently enrolled in college. My dad says he just wants me to establish some credit. But I will be graduating in May and will want to then take over the monthly payments I'm 20. I have a score in the high 6's and because I have no income I will have a co-signer with a score of low 7 He is 24. income is roughly 56,000 per year We have no house mortgage or car loans now. We each have one credit card with a zero balance. Who should we finance through? I submitted my application through State Farm (ins company) and they denied me....I don't really understand why? I have Bank of America and he is with a local bank. So... we are not with any credit unions. What is our best option??

Resolved Question: What is the best insurance to get for a new mortgage? Income protection? Life assuance? critical illness?

Just got a mortgage for the first time, and am dizzy with all the insurance options, those sold to me by my mortgage broker, are for life insurance for the borrowed amount £68,000 and critical illness and income protection too incase i lose my job? this will cost me nearly £60 a month which i can ill afford. i already get 2x my annual salary £17,000 life assurance from work and 50% of my salary as part of the income protection scheme at work. the only risk is losing my job? i have researched myself round in circles.. what should i do.. healthy male non smoker 32..

Voting Question: Best Way To Buy My Mother's House?

Here's the situation: My mother bought her house for $210K back in 2002. Due to financial hardship she has defaulted on her mortgage several times and has been through several loan modifications with the bank, and as a result she owes about $330K. She has tried to sell but the house just sits on the market due to the economy and the fact that the house is in need of work. We haven't had it appraised recently, but if I had to guess, I'd say it has a FMV or maybe $250K tops. But I can't see it going for any more than $200K. With that said, she will incur an enormous debt if and when the house is sold. My goal is to obtain the house in the simplest way possible, and my question is what would be the best way of doing so? I'm 27 and due to be married in September 2010. My income is insufficient because I am 1099'd and my AGI is around $20K for last year, and my fiance is W2'd with a pre-tax income of about $45K. Both of our FICO scores are around 630. By October 2010 we will have about $20K saved for a down payment. I know this is a very complex situation, but I would like to figure something out not only for my own benefit of owning a home, but for my mother as well so she doesn't have to struggle with this. So can anybody offer suggestions? I've heard everything from short selling the home (because we do have different last names), to arms length and non arms lenth transactions depending on whether the house would be in my name or my fiances, intra family transfers? What would be the most conventional way to go about doing this? Thank you.

Resolved Question: Which mortgage loan is best for a medical resident? Any advice?

Excellent credit score, 20% down, No debt except student loans (will be deferred during residency), retirement savings and assets such as two paid vehicles. Problem I will be moving so need to get new job (same profession). Husband will have contract on proof of salary (will be a doctor doing his residency) but not begin until July. Could have co-signer if needed. Want to take advantage of tax credit if possible.
 

best mortgages