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Ricechex
ParticipantMy brain is not comprehending….the loan is at zero, but good up to $100K. So, I could use the card or check and get cash, make purchases in any amount. I could write a check to Home Depot for $50, and then the balance on it would be $50. Of course, then I would have to pay it off or pay interest. Wouldn’t then my lien be at $50? So, how can I show a lien at $100K?
ParticipantMy brain is not comprehending….the loan is at zero, but good up to $100K. So, I could use the card or check and get cash, make purchases in any amount. I could write a check to Home Depot for $50, and then the balance on it would be $50. Of course, then I would have to pay it off or pay interest. Wouldn’t then my lien be at $50? So, how can I show a lien at $100K?
October 12, 2007 at 9:16 PM in reply to: how big of a mortgage will i be able to afford if ……. #88628ParticipantWow, thanks HLS! On that site right now….nothing better to do on a Friday night! My FICO was around 790 a few years ago, and nothing has changed regarding late payments, debt (I only have a house note….no other debt or loans) all those good things….so I think I should be getting more offers!
October 12, 2007 at 9:16 PM in reply to: how big of a mortgage will i be able to afford if ……. #88634ParticipantWow, thanks HLS! On that site right now….nothing better to do on a Friday night! My FICO was around 790 a few years ago, and nothing has changed regarding late payments, debt (I only have a house note….no other debt or loans) all those good things….so I think I should be getting more offers!
October 12, 2007 at 8:34 PM in reply to: how big of a mortgage will i be able to afford if ……. #88621ParticipantHLS—where do you find these 2% deals? A year ago, I got a CC that would donate to ASPCA if I made a purchase on this card. So, I got the card, and made a purchase. A couple of months afterwards, I got some checks from the CC, no transaction fee, no APR, until Jan 08. I cashed the check, put it in ING to earn 4.9%, make the monthly payments, and will pay off in Jan. However, I can never find any other deals!
I already have a National City CC, which earns cash rebates, so I use the CC for everything. (Except Water and SDGE–they don’t take CC payments) I pay in full every month, so the way I see it, I am making money, though small amounts.
Where do you find these other deals? I have been looking for other offers, but I can’t find any.
October 12, 2007 at 8:34 PM in reply to: how big of a mortgage will i be able to afford if ……. #88627ParticipantHLS—where do you find these 2% deals? A year ago, I got a CC that would donate to ASPCA if I made a purchase on this card. So, I got the card, and made a purchase. A couple of months afterwards, I got some checks from the CC, no transaction fee, no APR, until Jan 08. I cashed the check, put it in ING to earn 4.9%, make the monthly payments, and will pay off in Jan. However, I can never find any other deals!
I already have a National City CC, which earns cash rebates, so I use the CC for everything. (Except Water and SDGE–they don’t take CC payments) I pay in full every month, so the way I see it, I am making money, though small amounts.
Where do you find these other deals? I have been looking for other offers, but I can’t find any.
ParticipantI just finished watching this movie. While I find Corporate America and the World Bank VERY VERY deceitful, manipulative and full of greed…..this movie was a little over the top. Individuals NEED to take some personal responsibility for their actions. This movie reeked of entitlement.
The one lady that lost her husband and could not pay her mortgage….she should have sold that house and moved into a smaller place that she COULD afford. You have to do what you gotta do, and sometimes that means sacrifice whether you like it or not.
The victimizing of young college students and the poor, well, that is another matter. And, the folks that committed suicide over the debt, that just is just too drama-rama.
How much common sense does it take to know that if you borrow money, you are going to have to pay it back?
Movie Recommendation: The Corporation
ParticipantI just finished watching this movie. While I find Corporate America and the World Bank VERY VERY deceitful, manipulative and full of greed…..this movie was a little over the top. Individuals NEED to take some personal responsibility for their actions. This movie reeked of entitlement.
The one lady that lost her husband and could not pay her mortgage….she should have sold that house and moved into a smaller place that she COULD afford. You have to do what you gotta do, and sometimes that means sacrifice whether you like it or not.
The victimizing of young college students and the poor, well, that is another matter. And, the folks that committed suicide over the debt, that just is just too drama-rama.
How much common sense does it take to know that if you borrow money, you are going to have to pay it back?
Movie Recommendation: The Corporation
ParticipantCute house, but I think you could do better. This is a nice neighborhood though, not too close to Adams Avenue, and it is mostly residential. I bet this stays listed for awhile. Also, not crazy about the laundry in the kitchen, but you could always wire the garage for washer and dryer.
ParticipantCute house, but I think you could do better. This is a nice neighborhood though, not too close to Adams Avenue, and it is mostly residential. I bet this stays listed for awhile. Also, not crazy about the laundry in the kitchen, but you could always wire the garage for washer and dryer.
ParticipantThis was an interesting thread, from what I could understand, though as an environmentalist, I think anything to reduce CO2 emissions is a good thing. And, yes, I do believe in global warming.
I work for the government, and I have seen some research projects that are, IMHO, nothing but a scam and twisted numbers. Granted, they are human behavior studies, so it is not scientific, but the government could save hundreds of thousands of dollars if they just asked us grunt workers what was the problem, rather than feeding money to a fancy scam artist, otherwise known as a “researcher” and endorsed by University of Colorado. (I will never forget graduate school in which we were taught to manipulate and skew numbers to make research valid….)
Sometimes, it is the people at the bottom of the chain that know what is going on.
Now, here is what the pest control dude said (15 years in the business, and granted he is exposed to the media):
In the last 5 years he has seen an increase in pests and rodents, and stated he thinks it is due to an increased hotter and drier climate, which could result from global warming. From the mouth of the worker bee.ParticipantThanks All. I really appreciate your feedback. Yes, it probably does not matter too much about the unpermitted fixes, as this is what goes on in City Heights. I will disclose it FOR SURE if I sell. I would have to buy her out before doing a 1031. As far as buy out is concerned, I thought it fair to get it appraised, then deduct realtor costs (as I would have to assume those at some time when I did sell), and make the offer based on that amount. Any comments on that idea?
ParticipantSD Realtor….thankyou so much for that feedback.
The title remains in both names, so she would get taxed too. The loan is in my name alone. I really do want to get rid of her though, she is very troublesome and has little common sense when it comes to owning property, tenants, etc. There is some termite work that needs done, and based on past experience, I see continued headaches with her as the years go by.
On the other hand, if I get the boot from my present rental, it would be cheaper for me to live there than find another rental.
I am very ambivalent. If I sell now, I would have some minor profit, and put that in savings to buy another property in North Park where I want to live, but then the dollar is de-valued, so I don’t know how that is going to play out. If I buy her out, then I get the house, a payment I know I can afford, but the price could come down further, so my equity will be reduced.
Or should I buy her out (she might be more reasonable considering the current market), keep as a rental, and hope that prices continue to drop, and hopefully buy in North Park in a few years?
ParticipantI rarely eat at buffets, and if I do, I get there early before the lunch or dinner rush. They’re gross. Too many people with poor hygiene and kids that aren’t taught not to stick their fingers in everything.
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