[garysears]

I read the comments but don’t think anyone has hit on the obvious: medical debt. I did see loss of job mentioned as a legitimate reason credit may be bad.

Employers do not care!

Medical debt is different in that it is not a choice. If you don’t have insurance and get sick you will have many thousands of dollars in collections in short order.

I agree that credit score in many ways shows how “good” a debt consumerist slave you are. I am outraged that I am forced to be in such a ridiculous system.

My wife was denied employment by TSA specifically and only because of unpaid medical debt. By the time I met her this was already in collections and had torpedoed her score so I did not feel responsible for paying it. I do feel responsible for figuring out how to clean her record in the future. Her experience is that a lack of good credit score meant no new credit issued which has eventually meant only negative remarks in her credit history.

If employers are simply screening the scores like a computer I strongly disagree in using credit in hiring decisions. Poor credit is a vicious downward spiral which results in only paying cash for things (responsible behavior) but this forced responsibility is not rewarded. It is punished. How can my wife pay her bills if she can’t get a job? A real Catch 22. The jobs she can get do not pay enough to leave anything left to pay off significant debt. The fact that it is already in collections slams the prison door. She will be low wage / unemployable until time heals her credit problems.

[garysears]

There are a significant number of scammers on craigslist. It is usually pretty easy to spot them. Now and then I reply to confirm the deal really is too good to be true. Now and then people really are pricing things under market. Here is a reply I just received today about a rental.
——
My name is John H Lippert, I did get your response concerning the AD I posted on Craigslist .The house is still available but presently I’m not around.because of the work with human right awareness in conjuction with UN(www.humanrightstour.org). here in west africa,And i am one of the Red Cross Red Crescent that was sent to west african for donation to the haitian because of the Earthquake in Haiti http://www.americares.org/wherewework/africa/.

Later we decided to have the house rent out, we would have give the same agent this job also but the truth of the matter is that the agent would want to handle it professionally and the occupant may not be able to reason along with him later.If you notice, you will discovered that the price we are offering is far below standard price, this is enough for you to know that we are not after the rental fee but the absolute care for the property. I know there is no way I can be sure that you are the right person to live in the house because we won’t be able to see physical before sending you the keys and the documents to occupy the space. But I just had a feeling that anyone who knows what it takes to put the kind of property down should know that maintaining it is mandatory, I will be more than happy to let you rent the house also why we need to take the rent is that. I want to use part of the money for a monthly donation to Haitian earthquake that took alot of life and make some homeless and if you read there stories you will thank God for your life I had always thought hell was somewhere under the earth. But it is there, flowing across the surface, between this terrace and the sea.because haitian are dying and i am ready to make full support to them,you can also support them with whatever you have,The first month rent is $1650 and security deposit $1100 You can reach me at this number +2348023446298 or 0112348023446298 .Please if you are ready now to occupy the house kindly provide the information below for record purpose.

Here is the address of the house.

deleted

RENT APPLICATION FORM

Full Name__________________________ ________________________
Home Phone ( ) ________________________
Date of Birth_________________________ ________
Other Phone ( ) ___________________
Current Address_______________________ ________Apt#________
City__________________ State______ Zip________
Reasons for Leaving_______________________ _____Rent $__________Phone
( ) ____________________________
Are you married_______________________ _____
How many people will be living in the house_________________________ ___
Do you have a pet___________________________ _
Do you have a car___________________________ _
Occupation____________________ ________
Move In Date__________________________ __

Best Regards.
John H Lippert
+2348023446298
0112348023446298

[garysears]

There are a significant number of scammers on craigslist. It is usually pretty easy to spot them. Now and then I reply to confirm the deal really is too good to be true. Now and then people really are pricing things under market. Here is a reply I just received today about a rental.
——
My name is John H Lippert, I did get your response concerning the AD I posted on Craigslist .The house is still available but presently I’m not around.because of the work with human right awareness in conjuction with UN(www.humanrightstour.org). here in west africa,And i am one of the Red Cross Red Crescent that was sent to west african for donation to the haitian because of the Earthquake in Haiti http://www.americares.org/wherewework/africa/.

Later we decided to have the house rent out, we would have give the same agent this job also but the truth of the matter is that the agent would want to handle it professionally and the occupant may not be able to reason along with him later.If you notice, you will discovered that the price we are offering is far below standard price, this is enough for you to know that we are not after the rental fee but the absolute care for the property. I know there is no way I can be sure that you are the right person to live in the house because we won’t be able to see physical before sending you the keys and the documents to occupy the space. But I just had a feeling that anyone who knows what it takes to put the kind of property down should know that maintaining it is mandatory, I will be more than happy to let you rent the house also why we need to take the rent is that. I want to use part of the money for a monthly donation to Haitian earthquake that took alot of life and make some homeless and if you read there stories you will thank God for your life I had always thought hell was somewhere under the earth. But it is there, flowing across the surface, between this terrace and the sea.because haitian are dying and i am ready to make full support to them,you can also support them with whatever you have,The first month rent is $1650 and security deposit $1100 You can reach me at this number +2348023446298 or 0112348023446298 .Please if you are ready now to occupy the house kindly provide the information below for record purpose.

Here is the address of the house.

deleted

RENT APPLICATION FORM

Full Name__________________________ ________________________
Home Phone ( ) ________________________
Date of Birth_________________________ ________
Other Phone ( ) ___________________
Current Address_______________________ ________Apt#________
City__________________ State______ Zip________
Reasons for Leaving_______________________ _____Rent $__________Phone
( ) ____________________________
Are you married_______________________ _____
How many people will be living in the house_________________________ ___
Do you have a pet___________________________ _
Do you have a car___________________________ _
Occupation____________________ ________
Move In Date__________________________ __

Best Regards.
John H Lippert
+2348023446298
0112348023446298

[garysears]

There are a significant number of scammers on craigslist. It is usually pretty easy to spot them. Now and then I reply to confirm the deal really is too good to be true. Now and then people really are pricing things under market. Here is a reply I just received today about a rental.
——
My name is John H Lippert, I did get your response concerning the AD I posted on Craigslist .The house is still available but presently I’m not around.because of the work with human right awareness in conjuction with UN(www.humanrightstour.org). here in west africa,And i am one of the Red Cross Red Crescent that was sent to west african for donation to the haitian because of the Earthquake in Haiti http://www.americares.org/wherewework/africa/.

Later we decided to have the house rent out, we would have give the same agent this job also but the truth of the matter is that the agent would want to handle it professionally and the occupant may not be able to reason along with him later.If you notice, you will discovered that the price we are offering is far below standard price, this is enough for you to know that we are not after the rental fee but the absolute care for the property. I know there is no way I can be sure that you are the right person to live in the house because we won’t be able to see physical before sending you the keys and the documents to occupy the space. But I just had a feeling that anyone who knows what it takes to put the kind of property down should know that maintaining it is mandatory, I will be more than happy to let you rent the house also why we need to take the rent is that. I want to use part of the money for a monthly donation to Haitian earthquake that took alot of life and make some homeless and if you read there stories you will thank God for your life I had always thought hell was somewhere under the earth. But it is there, flowing across the surface, between this terrace and the sea.because haitian are dying and i am ready to make full support to them,you can also support them with whatever you have,The first month rent is $1650 and security deposit $1100 You can reach me at this number +2348023446298 or 0112348023446298 .Please if you are ready now to occupy the house kindly provide the information below for record purpose.

Here is the address of the house.

deleted

RENT APPLICATION FORM

Full Name__________________________ ________________________
Home Phone ( ) ________________________
Date of Birth_________________________ ________
Other Phone ( ) ___________________
Current Address_______________________ ________Apt#________
City__________________ State______ Zip________
Reasons for Leaving_______________________ _____Rent $__________Phone
( ) ____________________________
Are you married_______________________ _____
How many people will be living in the house_________________________ ___
Do you have a pet___________________________ _
Do you have a car___________________________ _
Occupation____________________ ________
Move In Date__________________________ __

Best Regards.
John H Lippert
+2348023446298
0112348023446298

[garysears]

There are a significant number of scammers on craigslist. It is usually pretty easy to spot them. Now and then I reply to confirm the deal really is too good to be true. Now and then people really are pricing things under market. Here is a reply I just received today about a rental.
——
My name is John H Lippert, I did get your response concerning the AD I posted on Craigslist .The house is still available but presently I’m not around.because of the work with human right awareness in conjuction with UN(www.humanrightstour.org). here in west africa,And i am one of the Red Cross Red Crescent that was sent to west african for donation to the haitian because of the Earthquake in Haiti http://www.americares.org/wherewework/africa/.

Later we decided to have the house rent out, we would have give the same agent this job also but the truth of the matter is that the agent would want to handle it professionally and the occupant may not be able to reason along with him later.If you notice, you will discovered that the price we are offering is far below standard price, this is enough for you to know that we are not after the rental fee but the absolute care for the property. I know there is no way I can be sure that you are the right person to live in the house because we won’t be able to see physical before sending you the keys and the documents to occupy the space. But I just had a feeling that anyone who knows what it takes to put the kind of property down should know that maintaining it is mandatory, I will be more than happy to let you rent the house also why we need to take the rent is that. I want to use part of the money for a monthly donation to Haitian earthquake that took alot of life and make some homeless and if you read there stories you will thank God for your life I had always thought hell was somewhere under the earth. But it is there, flowing across the surface, between this terrace and the sea.because haitian are dying and i am ready to make full support to them,you can also support them with whatever you have,The first month rent is $1650 and security deposit $1100 You can reach me at this number +2348023446298 or 0112348023446298 .Please if you are ready now to occupy the house kindly provide the information below for record purpose.

Here is the address of the house.

deleted

RENT APPLICATION FORM

Full Name__________________________ ________________________
Home Phone ( ) ________________________
Date of Birth_________________________ ________
Other Phone ( ) ___________________
Current Address_______________________ ________Apt#________
City__________________ State______ Zip________
Reasons for Leaving_______________________ _____Rent $__________Phone
( ) ____________________________
Are you married_______________________ _____
How many people will be living in the house_________________________ ___
Do you have a pet___________________________ _
Do you have a car___________________________ _
Occupation____________________ ________
Move In Date__________________________ __

Best Regards.
John H Lippert
+2348023446298
0112348023446298

[garysears]

There are a significant number of scammers on craigslist. It is usually pretty easy to spot them. Now and then I reply to confirm the deal really is too good to be true. Now and then people really are pricing things under market. Here is a reply I just received today about a rental.
——
My name is John H Lippert, I did get your response concerning the AD I posted on Craigslist .The house is still available but presently I’m not around.because of the work with human right awareness in conjuction with UN(www.humanrightstour.org). here in west africa,And i am one of the Red Cross Red Crescent that was sent to west african for donation to the haitian because of the Earthquake in Haiti http://www.americares.org/wherewework/africa/.

Later we decided to have the house rent out, we would have give the same agent this job also but the truth of the matter is that the agent would want to handle it professionally and the occupant may not be able to reason along with him later.If you notice, you will discovered that the price we are offering is far below standard price, this is enough for you to know that we are not after the rental fee but the absolute care for the property. I know there is no way I can be sure that you are the right person to live in the house because we won’t be able to see physical before sending you the keys and the documents to occupy the space. But I just had a feeling that anyone who knows what it takes to put the kind of property down should know that maintaining it is mandatory, I will be more than happy to let you rent the house also why we need to take the rent is that. I want to use part of the money for a monthly donation to Haitian earthquake that took alot of life and make some homeless and if you read there stories you will thank God for your life I had always thought hell was somewhere under the earth. But it is there, flowing across the surface, between this terrace and the sea.because haitian are dying and i am ready to make full support to them,you can also support them with whatever you have,The first month rent is $1650 and security deposit $1100 You can reach me at this number +2348023446298 or 0112348023446298 .Please if you are ready now to occupy the house kindly provide the information below for record purpose.

Here is the address of the house.

deleted

RENT APPLICATION FORM

Full Name__________________________ ________________________
Home Phone ( ) ________________________
Date of Birth_________________________ ________
Other Phone ( ) ___________________
Current Address_______________________ ________Apt#________
City__________________ State______ Zip________
Reasons for Leaving_______________________ _____Rent $__________Phone
( ) ____________________________
Are you married_______________________ _____
How many people will be living in the house_________________________ ___
Do you have a pet___________________________ _
Do you have a car___________________________ _
Occupation____________________ ________
Move In Date__________________________ __

Best Regards.
John H Lippert
+2348023446298
0112348023446298

[garysears]

My wife bought a Magellan Maestro 5310 which she loved until the heat cracked the screen. It retails in the $200-250 range. She replaced it with a Magellan Roadmate which was garbage and got us lost, then stayed stuck in another state. She replaced that with a different model Magellan Maestro 4700 which is not as good but she likes it anyway.

My sister in law has the Garmin nuvi and says it is absolute garbage. The Maestro 5310 is way better. My wife took the 5310 GPS with her to visit to compare to the nuvi and the 5310 blew the nuvi out of the water. They were comparing real time with both units in the same car at the same time.

If you have an android phone or iphone you should just get a GPS app.

Edit: The Maestro 5310 has a 5 inch screen if that makes a difference.

http://www.magellangps.com/products/product.asp?segID=408&prodID=2050

[garysears]

My wife bought a Magellan Maestro 5310 which she loved until the heat cracked the screen. It retails in the $200-250 range. She replaced it with a Magellan Roadmate which was garbage and got us lost, then stayed stuck in another state. She replaced that with a different model Magellan Maestro 4700 which is not as good but she likes it anyway.

My sister in law has the Garmin nuvi and says it is absolute garbage. The Maestro 5310 is way better. My wife took the 5310 GPS with her to visit to compare to the nuvi and the 5310 blew the nuvi out of the water. They were comparing real time with both units in the same car at the same time.

If you have an android phone or iphone you should just get a GPS app.

Edit: The Maestro 5310 has a 5 inch screen if that makes a difference.

http://www.magellangps.com/products/product.asp?segID=408&prodID=2050

[garysears]

My wife bought a Magellan Maestro 5310 which she loved until the heat cracked the screen. It retails in the $200-250 range. She replaced it with a Magellan Roadmate which was garbage and got us lost, then stayed stuck in another state. She replaced that with a different model Magellan Maestro 4700 which is not as good but she likes it anyway.

My sister in law has the Garmin nuvi and says it is absolute garbage. The Maestro 5310 is way better. My wife took the 5310 GPS with her to visit to compare to the nuvi and the 5310 blew the nuvi out of the water. They were comparing real time with both units in the same car at the same time.

If you have an android phone or iphone you should just get a GPS app.

Edit: The Maestro 5310 has a 5 inch screen if that makes a difference.

http://www.magellangps.com/products/product.asp?segID=408&prodID=2050

[garysears]

My wife bought a Magellan Maestro 5310 which she loved until the heat cracked the screen. It retails in the $200-250 range. She replaced it with a Magellan Roadmate which was garbage and got us lost, then stayed stuck in another state. She replaced that with a different model Magellan Maestro 4700 which is not as good but she likes it anyway.

My sister in law has the Garmin nuvi and says it is absolute garbage. The Maestro 5310 is way better. My wife took the 5310 GPS with her to visit to compare to the nuvi and the 5310 blew the nuvi out of the water. They were comparing real time with both units in the same car at the same time.

If you have an android phone or iphone you should just get a GPS app.

Edit: The Maestro 5310 has a 5 inch screen if that makes a difference.

http://www.magellangps.com/products/product.asp?segID=408&prodID=2050

[garysears]

My wife bought a Magellan Maestro 5310 which she loved until the heat cracked the screen. It retails in the $200-250 range. She replaced it with a Magellan Roadmate which was garbage and got us lost, then stayed stuck in another state. She replaced that with a different model Magellan Maestro 4700 which is not as good but she likes it anyway.

My sister in law has the Garmin nuvi and says it is absolute garbage. The Maestro 5310 is way better. My wife took the 5310 GPS with her to visit to compare to the nuvi and the 5310 blew the nuvi out of the water. They were comparing real time with both units in the same car at the same time.

If you have an android phone or iphone you should just get a GPS app.

Edit: The Maestro 5310 has a 5 inch screen if that makes a difference.

http://www.magellangps.com/products/product.asp?segID=408&prodID=2050

[garysears]

“BTW, many of those home being flipped in East County were likely formerly uninhabitable and would not qualify for loans in their former condition. The flippers are fixing homes and making them marketable. The FHA buyers are getting homes they can afford (remember qualifying is tough) that are in turn key condition and they dont have the money to fix up even cosmetic fixer homes. In low end markets like that, I think the flippers serve a far more important role than in higher end ZIPS.”

I concur with this. I just can’t quite pin down what a reasonable return should be. In my mind I separate “flipping” from “rehabbing” but maybe this is a false distinction. I call the value added in depth repair/remodeling “rehabbing” and the speculative cosmetic fixups “flips”. A rehabber is due a profit margin commensurate with risk but I don’t want to pay off a flipper. The problem is telling the difference.

When I look up the prices flippers paid I just don’t want to buy a house for 270k that was bought for cash for 150k. I assume I could fix the house for much less myself.

Where are the 150k houses on the MLS? They do not exist. The government lending is putting money straight in the pockets of the speculative flippers. They are really a big beneficiary at the expense of the ultimate buyer. I know I focus on insane margins and it is probably true they have come down a lot. Minus the easy money, the speculative flippers would probably disappear. Legitimate rehabbers will always have a market.

[garysears]

“BTW, many of those home being flipped in East County were likely formerly uninhabitable and would not qualify for loans in their former condition. The flippers are fixing homes and making them marketable. The FHA buyers are getting homes they can afford (remember qualifying is tough) that are in turn key condition and they dont have the money to fix up even cosmetic fixer homes. In low end markets like that, I think the flippers serve a far more important role than in higher end ZIPS.”

I concur with this. I just can’t quite pin down what a reasonable return should be. In my mind I separate “flipping” from “rehabbing” but maybe this is a false distinction. I call the value added in depth repair/remodeling “rehabbing” and the speculative cosmetic fixups “flips”. A rehabber is due a profit margin commensurate with risk but I don’t want to pay off a flipper. The problem is telling the difference.

When I look up the prices flippers paid I just don’t want to buy a house for 270k that was bought for cash for 150k. I assume I could fix the house for much less myself.

Where are the 150k houses on the MLS? They do not exist. The government lending is putting money straight in the pockets of the speculative flippers. They are really a big beneficiary at the expense of the ultimate buyer. I know I focus on insane margins and it is probably true they have come down a lot. Minus the easy money, the speculative flippers would probably disappear. Legitimate rehabbers will always have a market.

[garysears]

“BTW, many of those home being flipped in East County were likely formerly uninhabitable and would not qualify for loans in their former condition. The flippers are fixing homes and making them marketable. The FHA buyers are getting homes they can afford (remember qualifying is tough) that are in turn key condition and they dont have the money to fix up even cosmetic fixer homes. In low end markets like that, I think the flippers serve a far more important role than in higher end ZIPS.”

I concur with this. I just can’t quite pin down what a reasonable return should be. In my mind I separate “flipping” from “rehabbing” but maybe this is a false distinction. I call the value added in depth repair/remodeling “rehabbing” and the speculative cosmetic fixups “flips”. A rehabber is due a profit margin commensurate with risk but I don’t want to pay off a flipper. The problem is telling the difference.

When I look up the prices flippers paid I just don’t want to buy a house for 270k that was bought for cash for 150k. I assume I could fix the house for much less myself.

Where are the 150k houses on the MLS? They do not exist. The government lending is putting money straight in the pockets of the speculative flippers. They are really a big beneficiary at the expense of the ultimate buyer. I know I focus on insane margins and it is probably true they have come down a lot. Minus the easy money, the speculative flippers would probably disappear. Legitimate rehabbers will always have a market.

[garysears]

“BTW, many of those home being flipped in East County were likely formerly uninhabitable and would not qualify for loans in their former condition. The flippers are fixing homes and making them marketable. The FHA buyers are getting homes they can afford (remember qualifying is tough) that are in turn key condition and they dont have the money to fix up even cosmetic fixer homes. In low end markets like that, I think the flippers serve a far more important role than in higher end ZIPS.”

I concur with this. I just can’t quite pin down what a reasonable return should be. In my mind I separate “flipping” from “rehabbing” but maybe this is a false distinction. I call the value added in depth repair/remodeling “rehabbing” and the speculative cosmetic fixups “flips”. A rehabber is due a profit margin commensurate with risk but I don’t want to pay off a flipper. The problem is telling the difference.

When I look up the prices flippers paid I just don’t want to buy a house for 270k that was bought for cash for 150k. I assume I could fix the house for much less myself.

Where are the 150k houses on the MLS? They do not exist. The government lending is putting money straight in the pockets of the speculative flippers. They are really a big beneficiary at the expense of the ultimate buyer. I know I focus on insane margins and it is probably true they have come down a lot. Minus the easy money, the speculative flippers would probably disappear. Legitimate rehabbers will always have a market.

[Author]

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