Google Home Loan & Debt

Has anyone read books that say you can be debt free in 3-5 years?

There are books out that say you can be living debt free, that is including your house payment in 3-5 yrs. They claim it is simple and amazing math. I would like to invest in it to find out, but don’t want to be scammed.

What kind of condo can a debt free graduating student afford?

if I graduate University in Toronto Canada with a engineering degree and have about 10000 $ in the bank, no debt, and want to by a condo, what kind of interest rate, and downpayment will I have to pay? What price range of a condo do you think i can afford

Do you think it is possible the USA become a totally debt-free country someday?

I mean free from external debts
What can be done?

What are things or ways to get out of debt and how can to be debt free and how can make more money?

my parents are in debt and we don’t know how to get of it and we don’t have enough money to but anything and go somewhere we want to go and we don’t how to get of debt and make more money fast and how to wealthy and rich and how do get wealthy and rich and what you need to do to oder to get wealthy and rich and what did the rich people do to get rich and what they do to get rich and get so much money?

How can I get out of debt? My wife and I both have jobs but we are not getting any closer to being debt free.?

We do not have credit cards (we both got rid of them years ago, and we would not qualify for new ones if we wanted them anyway). We have a baby on the way and want to be on our way out of debt (we have realistic expectations and do not expect this will be happening tomorrow or even relatively soon). Is bankruptcy a good option to look at?

who knows about some us history?

11. What event took place in December 1903 at Kitty Hawk, advancing travel?
A. The first automobile rolled off of the assembly line.
B. The Wright brothers made the first crew-powered air flight in history.
C. The invention of the gas powered engine
D. The first sound wave was produced, creating the age of the radio network.

12. In 1913, Edwin Armstrong, an engineer, invented a special circuit that made it practical to transmit sound. This innovation started what industry?
A. Radio
B. Television
C. Long distance telephone service
D. Air raid civil defense industry

13. In addition to the economic boom of the 1920s, what development created a consumer society?
A. Government intervention into business
B. New trade routes to Asia
C. Monopolies and unions
D. Consumer credit and mass advertising

14. To what industry did companies and inventors turn to create need among consumers for new products and get consumers to buy more products?
A. Railroads and shipping
B. The commerce and trade group of the government
C. Advertising
D. Legal industry

15. By the early 1920s, many industries began to use organizational structures, which lead to the managerial revolution, creating what?
A. An uprising from managers who saw a loss of their power by splitting up company departments.
B. Stronger unions because they saw organization as a threat to their control.
C. Smaller divisions spread over more of the country, making it difficult to control from a managerial level.
D. More professional managers, which increased the size of middle-class America, adding to the nation’s prosperity

16. Not all of America prospered during the 1920s. Which of the following groups suffered the most during this period?
A. African Americans, farmers, and Native Americans
B. Bankers, lawyers, and railroad workers
C. Europeans, steel workers, and Native Americans
D. Politicians, unions, and middle America

17. All of the following were concerns driving America towards nativism except:
A. An economic recession
B. An influx of immigrants
C. Middle-class prosperity
D. Cultural tension

18. What was the issue that caused the United States to pass the National Origins Act of 1924?
A. Teachers wanted to teach both human evolution and divine creation in the classroom.
B. America began to see immigrants as radicals and wanted to restrict immigration.
C. The U.S. Census wanted to know what nationalities made up the U.S. population.
D. The advertising industry wanted to know who made up the U.S. population, so advertisers could direct their products to the right people.

19. All of the following were causes for the nation’s concern about morality issues in the 1920s except:
A. Urbanization
B. Glorification of youth
C. Personal freedoms
D. Status change of women

20. Women’s roles were changing in the 1920s. All of the following contributed to that change except:
A. Women took jobs to help their family financially.
B. Younger women were breaking away from parental authority.
C. Women no longer needed to go to college.
D. Women were finding their own financial independence.

21. Why did the religious movement known as Fundamentalism emerge in the 1920s?
A. A desire to get back to the basics of life as it was during the 1700s.
B. A desire for the public schools to focus on reading, writing, and arithmetic fundamentals.
C. A growing desire to home school children
D. A growing concern about the nation’s moral decay

22. Fundamentalists wanted only creationism taught in school and would have teachers arrested for teaching what?
A. Health issues related to sex
B. Darwin’s theory of human evolution
C. Issues dealing with slavery
D. Religions other than Christianity

23. What was the movement to ban alcohol because of social ills?
A. Prohibition
B. Alcoholism
C. Socialism
D. Speakeasies

24. The Volstead Act was passed because of which of the following social issues?
A. The appeal of women for the right to vote
B. Americans wanting to limit immigration into the country
C. The desire of many citizens to ban alcohol
D. Americans trying to ban segregation in the South

25. In January 1920, the Eighteenth Amendment went into effect, banning what?
A. Teaching evolution in the public schools
B. Women from holding management jobs
C. States from interfering with religious activities
D. The making and distribution of alcohol

How do I move on from being a nanny to a professional career?

Ok, so I’m 28. Grew up and (still) live with my big Italian family on Long Island, NY. I received an associates degree in Liberal Arts/Sciences from a SUNY school, then transferred to sell my soul for tuition at a private school for a year until I came to realize that I was digging myself a financial hole with an annual $32,000 loan and never registered again after.

So with that, while I was in school I became a nanny, a live out nanny. Ive been a nanny for 6 years now. I’ve always wanted to have a real career (hence my college endeavors) however, the money and freedom that came with the occupation of a nanny was far too good to walk away from. I make $1000 off the books per week (Monday-Friday 8am-6pm with 2-5hour breaks in between depending on the day and about 5 or 6 weeks of paid vacation a year- yes I know, it really is a great job).

The problem is, the youngest child under my care will be attending kindergarten full-time this coming September and I will no longer be needed. I have always networked myself in the town and have met lots of families that have been trying to steal me away from the family I have been with all these years. However, I don’t want to be a professional nanny anymore! I want a real job! A career. I always have. So now, all these years have passed me by and I have no bachelor degree and no experience. Although I’m a fast learner, very smart, witty, educated and have great work ethic, all that doesn’t add up to much on a resume. So my question is… what are my options? I have been making strides towards finishing a bachelor degree at a community college, but Ive only been taking 1 class per semester so it seems like a world away. Also, I’m kind of over the idea of school. To be honest, I would just like to do some job training and land something that way. Is this possible? I’m really open to pretty much anything, although I am mostly interested in sales, because I’m a people person. I understand that finding any kind of employment is difficult in these trying times, especially with my current salary, but I am eager to work and am willing to start out at the bottom and work my way up wherever. I have tossed around the idea of a trade school or something like an LPN program or something related but I think I’m more of a business-minded person; but like I said… I’m really open to just about anything.

Any suggestions?

can someone help me out with my us history?

11. What event took place in December 1903 at Kitty Hawk, advancing travel?
A. The first automobile rolled off of the assembly line.
B. The Wright brothers made the first crew-powered air flight in history.
C. The invention of the gas powered engine
D. The first sound wave was produced, creating the age of the radio network.

12. In 1913, Edwin Armstrong, an engineer, invented a special circuit that made it practical to transmit sound. This innovation started what industry?
A. Radio
B. Television
C. Long distance telephone service
D. Air raid civil defense industry

13. In addition to the economic boom of the 1920s, what development created a consumer society?
A. Government intervention into business
B. New trade routes to Asia
C. Monopolies and unions
D. Consumer credit and mass advertising

14. To what industry did companies and inventors turn to create need among consumers for new products and get consumers to buy more products?
A. Railroads and shipping
B. The commerce and trade group of the government
C. Advertising
D. Legal industry

15. By the early 1920s, many industries began to use organizational structures, which lead to the managerial revolution, creating what?
A. An uprising from managers who saw a loss of their power by splitting up company departments.
B. Stronger unions because they saw organization as a threat to their control.
C. Smaller divisions spread over more of the country, making it difficult to control from a managerial level.
D. More professional managers, which increased the size of middle-class America, adding to the nation’s prosperity

16. Not all of America prospered during the 1920s. Which of the following groups suffered the most during this period?
A. African Americans, farmers, and Native Americans
B. Bankers, lawyers, and railroad workers
C. Europeans, steel workers, and Native Americans
D. Politicians, unions, and middle America

17. All of the following were concerns driving America towards nativism except:
A. An economic recession
B. An influx of immigrants
C. Middle-class prosperity
D. Cultural tension

18. What was the issue that caused the United States to pass the National Origins Act of 1924?
A. Teachers wanted to teach both human evolution and divine creation in the classroom.
B. America began to see immigrants as radicals and wanted to restrict immigration.
C. The U.S. Census wanted to know what nationalities made up the U.S. population.
D. The advertising industry wanted to know who made up the U.S. population, so advertisers could direct their products to the right people.

19. All of the following were causes for the nation’s concern about morality issues in the 1920s except:
A. Urbanization
B. Glorification of youth
C. Personal freedoms
D. Status change of women

20. Women’s roles were changing in the 1920s. All of the following contributed to that change except:
A. Women took jobs to help their family financially.
B. Younger women were breaking away from parental authority.
C. Women no longer needed to go to college.
D. Women were finding their own financial independence.

21. Why did the religious movement known as Fundamentalism emerge in the 1920s?
A. A desire to get back to the basics of life as it was during the 1700s.
B. A desire for the public schools to focus on reading, writing, and arithmetic fundamentals.
C. A growing desire to home school children
D. A growing concern about the nation’s moral decay

22. Fundamentalists wanted only creationism taught in school and would have teachers arrested for teaching what?
A. Health issues related to sex
B. Darwin’s theory of human evolution
C. Issues dealing with slavery
D. Religions other than Christianity

23. What was the movement to ban alcohol because of social ills?
A. Prohibition
B. Alcoholism
C. Socialism
D. Speakeasies

24. The Volstead Act was passed because of which of the following social issues?
A. The appeal of women for the right to vote
B. Americans wanting to limit immigration into the country
C. The desire of many citizens to ban alcohol
D. Americans trying to ban segregation in the South

25. In January 1920, the Eighteenth Amendment went into effect, banning what?
A. Teaching evolution in the public schools
B. Women from holding management jobs
C. States from interfering with religious activities
D. The making and distribution of alcohol

Do you perfer or oppose net neutrality?

NN is another issue in which we deal with the contrast and conflict between social liberties and economic freedoms. Both sides make sense in how my rights end where yours begin, but is that really the right approach for the question?

After all, companies provide services that are used by consumers and should be able to regulate the net’s usage by price as they feel fit. Nobody’s perfect though and shouldn’t the net be a public asset available freely to everyone; not to be regulated by any governing body or financial institution?

Then there’s the idea that people shouldn’t complain and instead, collaborate and unify in providing their own services. But that would potentially mean creating our own networks and not utilizing the internet itself (or would it? Couldn’t existing companies and institutions sue over patent or copyright infringement for the IDEA of the internet?)
AS A MAJOR NOTE:
Please, DON’T answer by saying there is no answer or perfect balance. Be personal.

What do you think is behind this unprecedented move? And what is meant by “balanced modernisation” anyway?

“RIYADH, Saudi Arabia – Saudi King Abdullah announced Sunday that the nation’s women will gain the right to vote and run as candidates in local elections to be held in 2015 in a major advancement for the rights of women in the deeply conservative Muslim kingdom.

In an annual speech before his advisory assembly, or Shura Council, the Saudi monarch said he ordered the step after consulting with the nation’s top religious clerics, whose advice carries great weight in the kingdom.

“We refuse to marginalize the role of women in Saudi society and in every aspect, within the rules of Sharia,” Abdullah said, referring to the Islamic law that governs many aspects of life in the kingdom.

The right to vote is by far the biggest change introduced by Abdullah, considered a reformer, since he became the country’s de facto ruler in 1995 during the illness of King Fahd. Abdullah formally ascended to the throne upon Fahd’s death in August 2005.

The kingdom’s great oil wealth and generous handouts to citizens have largely insulated it from the unrest sweeping the Arab world. But the king has taken steps to quiet rumblings of discontent that largely centred on the eastern oil-producing region populated by the country’s Shiite Muslim minority.

Mindful of the unrest, which reached Saudi Arabia’s doorstep with street protests and a deadly crackdown in neighbouring Bahrain, King Abdullah pledged roughly $93 billion in financial support to boost jobs and services for Saudis in March.

Seizing on the season of protest in the Arab world, Saudi women’s groups have also staged public defiance of the kingdom’s ban on female driving. Saudi authorities went relatively easy on the women, who took to the roads earlier this year and gained worldwide attention through social media.

Abdullah said the changes announced Sunday would also allow women to be appointed to the Shura Council, the advisory body selected by the king that is currently all-male.

The council, established in 1993, offers opinions on general policies in the kingdom and debates economic and social development plans and agreements signed between the kingdom and other nations.

Saudi Arabia, the birthplace of Islam, follows deeply conservative social traditions and adheres closely to a strict version of Islam. Despite Abdullah’s attempts to push through some social reforms, women still cannot drive and the sexes are segregated in public.

Saudi Arabia held its first-ever municipal elections in 2005.

The kingdom will hold its next municipal elections on Thursday, but women will not be able to vote or run in those contests.

In announcing the reforms, Abdullah sought to ground his decision in religion.

“Muslim women in our Islamic history have demonstrated positions that expressed correct opinions and advice,” he said, citing examples from the era of Islam’s Prophet Muhammad in the seventh century.

He said the members of Saudi Arabia’s clerical council, or Ulema, praised and supported his decision.

He also acknowledged the yearning for greater social freedoms in the kingdom.

“Balanced modernization, which falls within our Islamic values, is an important demand in an era where there is no place for defeatist or hesitant people,” he said.

In January, a group of female activists launched a campaign on social networking websites to push the kingdom to allow women to vote and run in the municipal elections”.

Would I be required to reapply for pre-approval of a home loan if…?

I have recently applied for pre-approval of a home loan, online, and am still awaiting approval or disapproval. However, I did this just to receive an accurate estimate of how much we’d be approved for a home out here, but we wouldn’t be aiming to close on a house or sign any papers until January 2011 (when our current rental lease ends). I’m curious of how long the pre-approved loan would last before it may become invalid? Would the given rate, say, expire in 2 months and we’d have to re-apply again in November?

What’s the point of a pre-approval on buying a home?

What is the point of a pre approval on a home loan if later on the buyer get’s preapproved but then can’t get a loan at close due to some tax return issues(deductions effected her debt/income ration) on her side business? Don’t they look at everything at the preapproval process?

Can you get a pre-approval from Weichert(FHA loan), and go with a Exit Realtor?

I really want to go with a Exit Realtor, since she is the one really helping me and my husband find a home plus we feel really comfortable with her, but I’m getting my pre-approval FHA home loan from Weichert. Do I have to have a Weichert Realtor?
I havent signed anything to any realtor. thanks!

Mortgage Question:Can you make an offer to purchase a home if your pre-approval loan is pending with a bank.?

Pre-approval for a home loan, do we need to go with the same lender for the loan as we do forthe pre-approval?

We are currently in the process of getting pre-approved through a private mortgage company, but we do not want to necessarily borrow the loan from that same lender, we would like to shop around more to see competitive interest rates. We feel like this broker is making us sign a lot of documents so we don’t want to lock ourselves into anything other than the pre-approval. So my question is, can we just pick any lender to do the pre-approval, or do we have to actually decide who we want to borrow the loan through before we get pre-approved?

boom and bust yes or no?

If the fed drops interest rates will it not just prolong the agony and the level of debt before the recession finally hits. At least with boom and bust scenarios you can take stock of your situation and re-evaluate your own financial position. I will never forget the recession of the 1990 s, and new then I would never be so vulnerable again to fluctuations in the economy, I learned a valuable lessson. Does anyone have the same experiences as me.

How difficult would it be to start a law firm?

I will be graduating in the spring of 2011 with two degrees in International Business and Finance/Economics; also, I will have a minor in Spanish. I have always had the intention of going to law school; however, I have found myself questioning what I would like to do after, God-willing, I graduate from law school and pass the bar. I plan to move back home which is a town of nearly 40,000 people to start my own law firm. I have held different internships and made multiple connections with different lawyers/judges in that area. Furthermore, I have been wondering if it would be wiser to simply work for one of these lawyers, with whom I have already built a relationship or try to hop on board with a larger law firm in a nearby city. While I prefer to fancy myself as an entrepreneur, I have been questioning myself as to whether or not the benefits outweigh the difficulties. While boasting is not exactly my forte, I do understand the concept of “busting ***” and I have maintained a 3.93 GPA throughout my Undergraduate career, thus far. Another obstacle I have found myself unable to hurdle is the fact l will most likely not be well-capitalized after law school–and this may present a problem considering there is a significant amount of overhead involved in starting any business.

Another concern I have been having, which may seem, chronologically, backwards, is whether or not attending an elite law school is absolutely essential. Now, don’t get me wrong, but I just do not see the purpose of drowning myself in tens-of-thousands of dollars of debt just to get out of law school and hang my own shingle. I could, potentially, attend my home state university’s law school for a considerable amount less than, say, a nearby private school. Also, if I were to attend my state school, I would still be a viable candidate for one of the law firms in which I have previously interned–or any other law firm in my hometown, for that matter.

And, lastly, I have been mulling another option over in my mind for a few weeks now, and I would like to get some feedback. I have been considering working full-time, since both of my degrees and minor are very marketable in the general workforce, and taking law school part-time. This would allow me to earn some sort of capital which I could invest in a 2-3 year CD while I was in school, and then invest in my law firm after I pass the bar. However, I would be finishing an entire semester behind my fellow peers. Also, I fully understand the stress involved with such a heavy workload, but, once again, I fully understand the concept of “busting ***.” You get no where in life by idling lethargically.

I understand that this is hardly a question, and I apologize for that. However, any feedback would be greatly appreciated, as I am sincerely torn at this juncture in my life. Thanks, and cheers!

I think my marriage is doomed. Any advice?

Ok, my hubby has never been a lover. He’s been a fighter in wars and in his work and home life. I’ve been trapped in a nearly loveless relationship for years. We’re coming up on year nine and last year I almost left him for someone else. Now I have no love at all. He made some threats to this other guy and we’ve been in court for 10 months for Theft by Extortion since my husband thought the guy should pay our debt off if he wanted to have me. Now we’ve had to file bankruptcy and the lawyer advised me not to work to qualify. My husband says he is too stressed out emotionally and gets cusses every time I mention our relationship. He says he shows that he loves me by busting his ass every day going to work. He says that while he was busting his balls, I was been swooned by another man and it isn’t fair. Problem is I married him for security and not for love, but now I need more love. We’ve been fighting so much and now I just don’t expect love from him. He keeps saying he is dying because he has holes in his legs (deterioration). He says he is beat up to hell and the last thing he wants is me giving him a guilt trip. As I’ve told myself already, my man is a paycheck and nothing more. If I expect more, I get burned. This is why I cheated on him in the first place. I wouldn’t do it again, because he’d probably kill me. He is a marine and hangs out with Hells Angels. He has it in for this guy and his entire family as it is. It’s all my fault. If I had cheated on a normal guy, I wouldn’t have to fear as much. I’m not sure how to handle this violent husband I married. I’m thinking of never calling at work and just doing my thing. I’ll be polite, but never ask for anything and never complain about anything. What do I do with that?

What should I do with my life, HEEELLLPPP!!!!?

Sorry in advance for this long post but you need to know the full extent of my situation to understand where I am coming from.
I am totally freaking out and confused more than ever before. I am 27, and absolutely clueless as to where my life is going. I still have no car of my own. Here’s what happened. I graduated high school, a very bad one, with more artistic talent than most of my peers. It’s a very small school. I decided I wanted a glamourous high paying career so that I could live in NYC. This was around 2000-2001. Ok, so off to fashion design school we go. There was a problem, I was no good at it and had piss poor training ahead of time. Most of my art school peers had rich parents who had put them through summer courses BEFORE enrolling in school, so I quickly became the worst, dumbest, and least skilled student. After my 2nd yr, first yr in my majour, I dropped out because I no longer felt I was right for fashion design. Fast forward about three or four years, I had had a full time job locally working as a sewing machine operator which nearly killed me so I moved on to a part time job (same thing) at another local place until I got laid off after New Yrs. I collected unemployment and was making a little more than I had working part time and did not have to work, it was great!
In the meantime I used my free time to delve into my interests, the Victorian era and doing volunteer work in the museum field. I decided to go back to college and get a degree. I had already had art school experience so I decided to go back for a degree in art education, since it will be a more reliable job than fashion, plus summers off. I pretty much had to start from scratch as I no longer had a portfolio. Had I, I’d probably be wrapping it up this year.
Last spring I had a nervous breakdown and just became all around burnt out. My first semester back at school I had nearly perfect grades and they’ve slipped steadily since. I would flunked had I not taken a medical withdrawal. Since last summer I returned to work part time where I once worked full time, since my unemployment ran out and I was broke. Since this last spring I have working only and no school. I am really questioning whether or not it is even worth going back to school, busting my ass for a degree and not being able to find work while having accrued nearly $80k in debt.
I just had my hours reduced (get this) from 3 days a week (24 hrs) to 1 day a week (8 hrs). As if cutting my hours will really save the company money considering how little I already work. I was turned down for unemployment because during the quarter they are going by I was hardly working. I plan to appeal.
I have no clue what to do now or where to go from here. My job prospects are frighteningly slim. I know how to sew, sort of. That’s about all. Even if I changed my majour, without having to completely start over yet again, I’d still have no job prospects as it’d be art related. I am absolutely horrible at math and science and barely passed my math requirements for my degree.
Should I take the sewing thing and run with it? Here’s the really bad problem, I want a comfortable life one day. I grew up poor, am dirt poor now, and cannot help my dirt poor retired parents. Its enough to make one suicidal, really. I wish I was really good at something that would pay well but I’m not. I’m not even attractive enough to fall into a depraved life of prostitution or stripping, sad to even consider. My mother totally thinks I should scrap school for now and not get further into debt. I worry I will lose any hope for a real future if I do.

Global: My problem with the Greek bail out ;does this prove Capitalism has failed ?

I have a big problem with the Greek bail out but dont pretend to fully comprehend the seriousness of the global melt-down that is happening. Why should Greece be bailed out ? with all this money. where is this money coming from ?.

My problem is that the Global economy is almost about to collapse OK a little dramatic, every country owes huge amounts of money- and under Capitalism this has to be paid back .

Now here’s the problem. Greece starts to pay back this bail out loan – at inflated interest rates because its credit rating has suffered.
What happens to Germany and all the other countries involved in the bail out ? They have to borrow more money to rescue Greece – weakening there own economies.
Then because Greece is paying higher taxes it therefore will end up not being able to repay it debts like third world countries. Forever paying extortionate interest but never actually reducing the debt.
Look at the UKs massive Trillion pound debt – again, unlikely to be able to pay it off for a very long time.

What this all means is unfair massive tax hikes for average ordinary ppl while the financial industry carries on as usual ? this is just very wrong – allowing the FI to carry on as usual just shows Government’s have learned nothing.
How far can Government’s push up taxes for average ppl ? why should we pay for the mistakes of rich bankers and foolish Politicians ?

I propose that all Global debt is erased – every country all start again with a clean slate . I know this sounds unworkable but the Capitalism “model” is bust. I believe these debts are unpayable and unsustainable from the point of future global/economic growth.
Some one tell me why we cant just start again with a clean slate surely a better option than 50 years Financial Purgatory ?

How much should you have in your 401K?

Assuming that by the time one retires their house will be paid for and debt will be eliminated. And also assume an average person who isn’t living an extravagant lifestyle. Does anyone have some general guidelines? For example – At age 30 you should have ___, at age 35 you should have ___ in your 401K, at age 40….etc.

My fiancee is thinking about bancrupcy any ideas?

I don’t agree with bancrupcy at all. I would rather him work on paying his debts little by little. I think overall it will look a lot better that he’s putting the effort into paying his debts rather than just eliminating them. Your feedback would be helpful to both of us. Thanks

has anyone ever heard of CCDN – Credit Collections Defense Network. More importantly has anyone used them?

This company claims that they can eliminate your unsecured debt and restore your credit score. It costs a few thousand dollars to participate. I just can’t find any information on them – such as complaints.

How do you like this for a commercial?

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What are you doing to live frugally?

Hi just curious as to what everyone is doing to cut costs in these tough economic times. What are your tricks to lowering the bills and eliminating debt?

Loan modification…paying a lawyer or do it yourself?

I’m desperately in need of loan modification….my taxes went up and my mortgage rate climbed…I’m already pulling from my little saving account to keep up with mortgage payments….

There is this law firm that ask $2000 to do loan modification for me. There is no guarantee but if they succeed they will decrease my mortgage rate for about $400 per month…which is really a lot…

Or should I do it myself (with BOFA). They have pretty clear instructions how to do it. Anyone with any suggestions or experiences please feel free to comment. I’m single mom and a student…need serious break (….

I asked my lender for a loan modification on my current ARM. Their only offer is another 3 yr ARM.?

That saves me about one hundred dollars. Am I at the mercy of the lender?

loan modification deception?

We were trying to work with wells fargo to modify and save our home. did the paper work took about 15 months to complete. They had us go through a 3 month trail period (about $2000 a month) we did that. Then out of the blue they come out with a condition i order to move forward with the modification we have to come up with $8000 but march 31st. (made us feel like we were like a mouse being strung along by some cheese then they brought the hammer on us to kill our hopes.) We feel like we never had a chance and we feel like they took us for $6000. (they have taken the stance of pay to play attitude.) IS there something we can do? We want to stay in our house for a long long time. we want them to give us a permanent solution not a temporary plan that they were offering that will most likely lead into trouble for us again in the future. one more question why are they not willing to work with us but they are willing to short sell our home for well below market value?

How to prevent foreclosure or get loan modification when self employed – income to expense ratio high!!!?

My parents are facing a foreclosure. They were notified that the process will be starting this month. My mother does not work and is on disability for medical problems. My father is a self employed truck driver who owns his own big truck. He has always made enough for them to be comfortable and to pay their $2200 monthly mortgage payment, along with other monthly bills and business expenses. This year has slowed down quite considerably and he is working about 50% of the time. He is having to take more out of state jobs versus the local ones that he was getting previously. Out of state jobs have more expenses such as fuel, food, etc. When my mother called to discuss possible loan modification, the bank told her they have too much income to qualify. My father is working his butt off and sometimes after his truck maintenance and repair expenses, is coming out in the negative! They have completely gone through their nice-sized savings accounts trying to make ends meet. Do banks consider business expenses when looking at income, or is income all that is considered? I hate to see them lose their home. They saved money my whole childhood to buy it and finally 14 years ago were able to buy it, and they wanted to live there until their old age…Thanks for any suggestions anyone can give!

My house is in foreclosure,I was denied for loan modification due to a default judgment was entered?

against me for a business loan that i personally guranteed it ,my mortgage balance is about 450k ,my house value is about 900k. can i apply for home eqiuty loan to save my house or can i refinace with cash out to pay off my debts.

are there mortgage loans that will use only your HiGHEST score?

I have had credit problems in the past and would like to get a 155k mortgage loan. My high score is 620 and would like to know if there are loans that will use the high score?

if you have 2 interest only mortgage loans, can you do tax deductions on the both?

I am talking about the case when you got 80/20% mortgage loans with 0% downpayment. I know that the 80% one is fully deductable, but not sure if I can deduct taxes for the second one

I have two mortgage loans. Can I offer $5k to my second mortgage, to cancel the debt?

I have two loans- 441,000.00 and 77,000.00. House is only worth about 520,000.00. I need to get out of it asap. Can I offer the lender of the second mortgage some money to get out of it before I do a short sale on the first? I was thinking about $1000 to $5000. Thanks! I need all the answers I can get.
I owe 520k, it may only sell for that amount if I’m lucky, definitely not more. Can I please have people with experience in this answer the question. I’ve read that in some short sales, the second mortgagee gets zero.

What lenders offer zero down mortgage loans?

Please provide specific names or experiences you have had trying to get a zero down mortgage loan.

Thank you

Home Loan Services lost one of our mortgage loans?

We are in foreclosure and our bank has sold the second loan (balloon mortgage) to quite a few other banks. Needless to say when we call HL on the loan they have no idea who now owns our second loan. We are trying to do a short sale, can we say we no longer owe the money if they lost the loan? Can we say “Prove it” will that work?

Are there apts or landlords in Portland that will rent to someone with bad credit but GREAT income?

I have a bankruptcy that was fully discharged over a year ago, and some of the items are still showing on my credit report (I am getting that fixed, of course). I make 4-5x (net income) the amount of rent (looking for around $800/month – less is great, a little more is fine). I’ve been denied by two places already, and I need to move in two weeks. HELP!!!!

How do you give a credit report to a tentative landlord without giving them all of your personal credit info?

I’m looking for an apartment and every landlord requires a copy of a credit report. That’s great, but how do I give them that without giving them all of my super-personal information?

Landlords, what advice do you have for renting to prospective tenants?

Other than performing background checks, verifying income source, calling previous landlords, and pulling a credit report, what else should a new landlord consider before renting out their property? The rental will be a condo in a three flat building.

Good economical source for credit reports?

United Landlords Of America (ULOFA) is losing their contract privileges for individual credit reports with TransUnion at the end of October. What other assocations are out there who can provide low-cost credit reports? ULOFA charged $6.88 per report.

can you print your own credit report to show to landlord?

most places now are asking for credit report. most of them ask $100.
how much does it really cost to do a credit report? I feel like it is a rip off. would a landlord accept a report you have done yourself?
and also I don’t feel comfortable having my information in the hands of anyone.

Why does yahoo pirate its way into my companies domain name “aapexmrtg” to advertise its website “answer.yahoo

I pay-for-click with yahoo, as if that is not enough, yahoo is using my domain search to advertise its websites, and aloud others to do so as well.

Proof of keyword search, “aapexmrtg” and result is listed bellow.

Yahoo! Answers – what is a REVERSE MORTGAGE and how does it work?
… Aapex Mortgage – No money down… www.aapexmrtg.com …answers.yahoo.com/question/?qid=1006060124154 – 32k – Cached – More from this site – Save

Find Today’s Rates on Mortgages, Refinance Loans, Home Equity Loans, and Mortgage Calculators on Yahoo! Real Estate
… No money down and 100% financing for first and second homes. www.aapexmrtg.com. Mortgage Loans Information Center …realestate.yahoo.com/loans/?sc=va&full=Virginia – 28k – Cached – More from this site – Save

Yahoo! Answers – is rajarhat in calcutta a good place to invest in property ?
… Aapex Mortgage – No money down… www.aapexmrtg.com …answers.yahoo.com/question/?qid=1006050601108 – 28k – Cached – More from this site -

Mortgage Questions – Pay Principle on 1st or 2nd?

Anyone have a calculation or a website with a calculator to find out the following:

1st Mortgage = $240K @ 6%
2nd Mortgage = $44K @ 9%

My goal is to pay principle down $10K over the next 2 years at that point I am hoping I will have enough equity to refinance.

Am I better off paying down principle on the 1st mortgage or 2nd mortgage if i plan to re-fi in 2 years?

My initial thought is the 9% but I don’t have any hard numbers to back it up.
I should have added that this is a 30 yr fixed with 29 years left.

I understand I need to get rid of the second that is my dilema right now, the lenders are being RIDICULOUS with appraisals so I can’t even subordiante and get 95 CLTV raio because they keep rejecting apprasials. So I need to pay it down so I can re-fi.
Also the point of paying down the principle is so I can re-fi, I plan on staying in this home for at least 10. 15, hell maybe I will retire in it.

If I could re-fi just the 1st with today’s rates I would save $160 a month. But the lenders are only lending to the elite. So the people who are over extended are stuck.

Wells Fargo – the hyena’s of the banking game?

Heard of Bait and Switch? Here’s an example. Joe at Wells Fargo Financial calls and says – “Come in to our office, we can refinance your auto loan, give you $750 cash back and lower your payments!” Of course we went in to check out what they could do. We get there and the guy is ALL about our MORTGAGE, which we have with a different bank. After explaining that we are NOT interested in home equity loans or refinancing the mortgage through Wells Fargo, suddenly he CAN’T do anything for us on the auto loan. He actually started arguing with us about how it doesn’t make any sense to him that we wouldn’t take him up on his fabulous offer!! WHOA NELLY! What the hell just happened here? You don’t get your grubby f-ing hands on my house, and the deal is off? Well, all I can say is, that guy is damn lucky my 8 yr old daughter was sitting there with my husband and I because if not, I think he may have found his little calculator crammed down his goddamn throat. Better Business Bureau, here I come

Can somebody give me a clue on my mortgage payments?

I bought my first home about 8 months ago. I had no down payment and ended up getting two separate loans.

The first was $114,000 @ 6.75% 30 year fixed.

The second was for $38,000 @ 9.436% 15 year balloon.

Monthly payment on the first is: $1014.12
Monthly payment on the second is: $316.05

I can pay this. Its far from ideal but I’m paying only slightly more per month than I would for an apartment. I thought I might be able to refinance before too long but then too many people making $35K bought $350K houses and I’m thinking the chances of my doing that right now are slim especially since I’ve paid down next to no principle at this point.

Let’s leave the atrocious 9+% one alone for a minute. I know there are insurance fees and real estate taxes built into mortgage payments but I’m plugging $114K and 6.5% over 30 years into the generic calculators online and not getting anywhere near what I’m paying. Any help?
Was supposed to be 6.75% used for calculations…typo.

Should I refinance when I currently pay extra every month?

Currently I owe $92,000 on a house worth $130,000 at 6%. The mortgage is $600 and we pay an extra $150 every month.

Should I refinance to a 4.875% for a $103,000 loan (I would like some money to repair a part of my house). There are lots of refinance calculators on the internet but none of them tell you how much the “extra payment” will help. The cost of the refinance is $1,500 and it would save us about $50/month which we would then add back in to the “extra payment” we make, so the mortgage would be $550 + $200 extra per month.

Thanks.
Thanks. The reason I don’t want a 15 year loan is because we are thinking of having a child soon and don’t want to be locked into that higher monthly rate. By paying extra we can stop if we need to.
Toni – I put 24% down so I’ve never had PMI. If you look the 103K is to keep to loan-to-value at under 80%.

Any info on Friends United Network? (F.U.N.)?

My sister in law just got a new car from the Friends United Network (FUN). Apparently they have you buy 2 cars and promise to take over the payments and have them paid off within 8 months. After three years, one of the cars if officially supposed to be in my sisters name debt free-title and everything. Our family is petrified of what and why this can happen, yet I can’t find anything negative about this company. No one gives cars away for free (and we’re talking a brand new 2007 Audi too). Any help would be appreciated. Any feedback good or bad is helpful. Thanks.

can u go to jail if u cant pay credit cards and wat can happen if u dont?

I have 6500 dollar credit card debt that i was paying without a problem and i was also paying my car perfectly as well but as soon as the school loan came i can not aford to pay them all. i can pay my car and my school but i can not pay the credit cards. i try to consolidate my cards but they ask me for a minimum of 300 every month and thats my rent money.. what do i do. I do want to pay but i just can not afford it.. i work 40 hrs and go to school full time.. can i return my car and be debt free from that car loan or do i still have to pay the bank for buying the car.. help!!!!!!

Can u help w/guilt over purchase?

First, some brief backstory: I am a full-time student and I also work full-time. I am an honors student and work very hard, no time to spend w/friends. A few months ago, my husband quit his job (I only worked part time then) and I charged bills, groceries, gas on credit cards to keep us going while he looked for another one (he took over a month but that’s another story).

So I have been working to pay off the debt, and my car. I will be debt free in 4 months, if I keep on track!! I have not bought anything frivolous in months, pack lunch for work, and make meals at home. But I just bought a ticket to see my fav band!!! I feel so guilty!! It was $65…

I hate being in debt, I want to be free so bad, but I have always wanted to see this band. I missed them a few years ago when they were in town. Is what I did right? What do you think? Will this make me spend more money now b/c I broke my discipline or will it be okay?

Isn’t this weird but great at the same time?

a few weeks ago this man came to church to preach..and my church is different…it doesn’t slam religion on ppl like a lot of them, we accept anyone in ANY condition…well anyway 1 of the subjects he touched was the finance area n he really opened my mind. he gave his testimony n well i owed a bunch of money to the bank…my account was overdrawn n i had been worrying n haden’t told my parents or anyone. NO ONE has my bank account either. n so i decided to belive God n i said “i’m debt free…God u pay for the money or use someone to do it cuz i’m not worrying anymore” when i called my bank (expecting a miracle) they told me that i didn’t owe anymore money cuz “I” had payed it off. i was like “i didn’t pay it” and the girl said “well someone did at a walk in bank up northern cali” n i don’t know ANYONE there. the funny thing is that they payed off the EXACT amount i owed. n now when i need things and speak in faith i somehow get them…i don’t necessarily believe this applies to christians only too. what God said he would do, he does…it’s all about knowing ur situation is taken care of, whether it takes a while or not. similar things are happening to my parents n sister ever since we started beliving this way. godd things:)
*good things
hmm how can someone ACCIDENTLY pay off my account…the EXACT same amount i owed?? hmmm that would be a 1 in a million…and no i do not belive God is only OUR servant…he WANTS do do great things for us…when did he say he didn’t want to?
the bank DID NOT deposit my money! SOMEONE IN NORTHERN CALI MADE A DEPOSIT CASHHH…i don’t think it can get any clearer than that:)
fyi my account wasn’t overdrawn not even for a week. banks don’t magically give away money…
i learned though….i got myself into debt for being irresponsible yes but i learned, thanks:)

i need help on average monthly bills???

ok i planning on living by myself now, finding my on place and i wanna be able to do dat debt free, i found some apts. for around 700 monthly but i don’t know anything about electricy, water, gas, and other stuff, so wat do you think would be the avreage?? plus if i work on minnim wage, do u think i’ll be able to afford it and also, if not, how much would i need to make weekly to afford it and still have some money left????
plezzz help me, thank you