Has anyone had experience with a consolidation loan?
Posted By: I'm looking for a good company to go with. Than on 2006-11-19
In Reply to:
gg
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If your loan is an FHA-backed loan, you can contact the
to help you. Each state has one assigned to it by the FHA. I'm talking the FHA loans that are 5% down, sometimes bond money is available, etc. Not the one where payments are based on your income, etc.
Whatever you do, contact your mortgagor TODAY. Do NOT delay. Be realistic about what you can do financially to recover -- do not agree to terms you cannot realistically carry out.
You should have several options available to you before foreclosure is started. You might even try to do a quick sale of your home. You have until the very moment they auction that title off.
Try looking for information here:
http://articles.moneycentral.msn.com/Banking/HomeFinancing/FacingForeclosure9Options.aspx
http://www.hud.gov/foreclosure/index.cfm
http://www.hud.gov/offices/hsg/sfh/nsc/reliefop.cfm
RECIPE CONSOLIDATION sm
When I find a new recipe on line I bookmark it. I have at least 50 bookmarked. When people give me a recipe I type them into Microsoft Word. Does anyone know of a program that is like a Recipe box on line that you can actually put your recipes into and categorize them.
TIA
debt consolidation/relief
I'm seriously considering going with one of those debt relief companies to get myself out from under a mound of credit card debt. I feel like I'm drowning. Has anybody had any experience with these companies, good or bad?
Why can't you take the loan for the 50% they -
offered and then payback immediately what you don't need? As long as there is no payback early penalty that is how I would get around that problem, that is if I am reading and understanding this right.
we just had to ask our in-laws for $500 loan
they're like a bank to us ;)
we just had to ask our in-laws for $500 loan
they're like a bank to us ;)
we just had to ask our in-laws for $500 loan
they're like a bank to us ;)
No, they wont LOAN us the 50% (sm)
Not a single bank wanted to loan us the money unless we paid all kinds of points and had a ridiculous interest rate - and only 1 out of 10 said they would do that. The others turned us down flat.
I guarantee if I had half a dozen kids and was on some kind of government assistance we would qualify.
We will keep on keeping on, and hopefully something will change for the better.
thanks everyone for your responses.
FHA loan might work for you
Your credit score can be lower than for a conventional loan and you can get into the house with a down payment of only 3.5%. But I don't believe you can have BAD credit--more like fair. If you have anything unpaid (old bad debt, etc.), then they'll make you take care of those before they give you a loan.
Telling you the appraisal from 3 years ago isn't right, and he knows it. Valuations are down practically everywhere and, depending on your region, could be down substantially. And this business of getting his friend to appraise the house is shady, too. You sure this guy is a good guy?
Lots of people got into big trouble by buying a house before they were ready financially to do so. Tread carefully.
No experience with the program but definitely experience with the symptoms! nm
x
Stated Income Home Loan
I am a self-employed IC and have purchased 4 homes in 4 different states as a single person. I was able to obtain a Stated Income Mortgage based on my credit, rather than my W2. No tax info was used, needed or requested. I guess, if your income is needed along with your husband's to qualify for a loan, then you would need the W2 info. But as a single person you can obtain a home loan based on your credit and not your tax info. Also, if you don't have enough for a down payment, you can take out a "second" against the house you are purchasing to finance your downpayment. You will have a short-term payment for the downpayment and your 30 yr note on the home. I was also able to obtain very low interest rates based on my credit rating.
Good luck, I did have to provide extra documents when I purchased one home with my exhusband.
Providing references when getting auto loan
I have to buy a car and the finance company (Capital One) requires 10 references. I don't know this many people. Has anyone been in a similar situation...what did you do?
I have family, but do not want them to know that I am buying a car. Any advice?
Have you considered a home equity loan to
pay off all your credit cards?
I could loan you my husband for a week. I'm not frugal,
mm
single wide are only kind to depreciate; hard to get loan
nm
Guess he can take out a loan for future schooling! Son found a phone
s
Do any of you experience this???
Do any of you transcriptionists experience severe pedal edema with foot pain? My left foot is quite swollen, has been for quite some time, but I recently developed rather severe pain in my left foot, tender to touch, and painful to walk. Ideas what the pain might be from, and do any of you experience this? I'm sure the edema is from sitting, but the pain??
Anybody have experience with
smokless tobacco, snuff and what the effects are? My son is 18, will be 19 in 3 months. I found out over this past summer he was using this and I was not very happy about it. Does it get you high or something? He has a glassy-eyed look after he uses this product. I have gone on line to read about it, but it only states it puts nicotine into your system.
He said he would stop while he was away at college. He has been home since last Friday and this morning I just found out he is still using it and lying to me. He has been a runner all throughout high school and very athletic. I am very saddened by this development in his life.
Yes, he is an adult but not of age to buy this or even alcohol. That also was an issue over the summer and do not want to think about that today as I will really have a melt down. Any thoughts or advise would be greatly appreciated. Thanks.
A very sad Mom today.
No experience
But thank God they found it early. Keep up your spirits and vitamins, keep your body as healthy as you can, eat the right foods and stay physically and mentally strong, cancer is no longer a death sentence remember that...
My experience..........sm
We lived in south Florida when our son was born, and at 6 weeks we traveled 16 hours to see our family. Our daughter was 3-1/2. We just took our time....I stopped to breastfeed him, took walks at rest areas, and still made good time. Mine tended to drop off to sleep as soon as the car began moving, so that made it easier. Our daughter would get car sick and had to sit in the front seat to avoid this, so my husband or I always got the backseat anyway. As long as you don't push yourself, it could actually do you good to get away and enjoy yourselves.
I had the same experience (SM)
I have no cellulite anymore either. I went from 235.5 to 112 pounds. I do have a little loose skin on my belly and thighs, but it looks like I had 3 big kids (which I did-my 10 pounder was my biggest). I'm 27, so my skin is a little forgiving still, but the cellulite is gone.
I also had my fair amount of cellulite. It can go away.
Very very little experience
I think the boss must be paying the MT very low and expecting me to pick up the slack and basically retype a lot of it. I'm not happy.
This latest person... she worked a little in a doc's office. No real specialty. She is making terrible errors. It's dangerous. What's worse... the boss can't fix the errors. I really have to do it all. The boss is not all that experienced. Only in the sense of being a business person.
It has been my experience...
that dealing with foreign people (NOT ALL...but some) is extremely difficult. Our favorite Chinese restaurant for example, call in to place an order and after every selection, she says "that all???" Uh no...more ordering..."that all???" My husband said something to her once about it, like asking her to stop doing that, and she said "we very, very busy, hurry up with your order...no time to think about it....what you want?" UHHH......
I can tell you that from my experience sm
it is possible. My experience may be different from most others, but I have seen it happen and end happily. My father divorced my mother when I was 11. I wasn't happy about the divorce (what child would be) but even as a young adult I saw it was for the best. A year later he married my step-mother and they will celebrate 29 years in Sept. They are still incredibly happy. There were many hard times (my older brother and I went to live with them 6 weeks after they married and she had a 5yr old son from her first marriage)and times when I think they almost wanted to just give up, but they didn't and I for one am happy they are still together.
Here's some of my own experience . . .
Your comment about his reading your mind after 10 years caught my attention. I've been married for 23 years, and have known my husband for 27.
Also, I'm the youngest of 7 and the only girl in my family. I have three sons, and I'm an assistant scoutmaster with a boy scout troop. I've lived all my life in a circle of males. Don't ever expect them to read your mind. I know there are plenty of men who are sensitive and can anticipate the feelings of others. In a very wide generalization, well... most men aren't that good at it. They actually appreciate it when you clearly state what you want.
My other words of wisdom about relationships with men... the silent treatment is useless. Don't bother. It's just a respite from arguing for most of them. Speak up. Try to stay calm when you do. (This is MY problem! I'm very passionate when I argue!)
I'm sorry you had such a bad time. Maybe it's time to sit down and have a good talk together about things. Better yet, maybe some counseling would help. In the heat of an argument, alls sorts of things are said. Maybe we mean them when we say them, but later, in calmer moments with hindsight, we wish they were unsaid. Establish goals with your husband, and then move forward together. Get help doing this, if you need it.
My experience
I was allowed to do whatever I wanted when I went to college (I'm only 25 so we're not talking THAT long ago ) as long as I got good grades (my mom was helping pay for college). However, I also had a full time job and went to school full time, had my own car financed by myself, and had my own apartment that I paid for. BIG difference. If my mother had been financing my car with the title in her name, I would understand her wanting to have control over what I did with it. Would I have liked it at 18, no, but I feel that it is the right way to do things. If he wrecks in that car - guess who foots the bill, as I'm sure you know. However, I would ask, does he now or did he ever want to work to pay for a car, etc. and you told him no? If so, I could see how he would get angry. I was allowed to work even in high school as long as my grades were good. And I was allowed to go out with friends as long as I went to work and the grades were good. It taught me how to be responsible come college time.
My experience - sm
First let me say how sorry I am for your loss. A lot of people who have never been through this kind of a loss early in the pregnancy do not realize how hard it really is to work through. I had my miscarriage at 7 weeks and got my period 6 weeks after that. I pray that this time goes easy for you physically and that the next pregnancy is healthy and full term..
Sue-Ellen
In my experience - sm
My family doc is one of the old fashioned types, in that when you see him you see HIM, not a PA or a substitute. He also knows what I do for a living and respects my judgment and takes whatever I say into consideration.
On the other hand, we've been trying to get a diagnosis for my daughter's stomach problems and I have yet to find a doctor who puts any credence into my input. Most just sidestep or just pooh-pooh anything I say.
So, you see, there are both. Your aunt, unfortunately, probably has either not had a doc who listens or (most likely, given her age) is still in the "doctors are gods, don't question them" mindset. Don't let it affect your relationship with her, by any means!
Good luck with your ribs. Nothing worse than an undiagnosed syndrome that you can't treat!
Sorry that was your experience, BUT -
I LOVE that store. I shop there all the time. They have an excellent selection of merchandise, great prices, and I can always find what I need and more each time I shop. I always pay cash, so I cannot address your issues with their credit card. I have also never returned anything to one of their stores, so I have no idea how their in-store customer service is.
I have had the same experience. Every so often I
will wake up paralyzed like that and swear I can feel someone sitting on the edge of the bed. Really creepy.
Any experience with
A long story short; my checking acct was garnished by a bottomfeeder law office/collector for a 10-year-old debt a few months ago. I had to pay them some money to have it released and am making monthly payments. My question is, since I cannot afford the monthly payments they insist I make, as long as I am making some payment, can they garnish my acct again? If anyone knows, I'd appreciate your info!
My experience......
For at least the past 10 years, about a week before my period, I get a very stuffy nose, nearly cannot breath at night unless through the mouth, which then gives me a very dry sore throat. A doc I worked for in Florida said this is not unheard of considering we retain fluid before our periods, some more than others, and with the very stuffy nose I would get a migraine-like headache and ache in my shoulder joints and neck. This would go away almost immediately the day I woiuld start my period. He believes it has something to do with swollen mucous membranes because of inflammation in the body (fluid retention, hormone changes, etc.) which makes sense to me. My ears will even feel stuffy at times. He suggested I try Aleve or plain old aspirin for anti-inflammatory benefit and for me, it did help. It kept the swelling down, which helped everything else. Couldn't believe the difference this made for me.
I know the misery you feel to some degree. Hope this will help you as well.
Anyone have experience with this? sm
I am suffering with perimenopause symptoms here, mostly with insomnia at certain times of the month now, which is really dragging me down. I found a web site called "Women to Women" which sounds like a very good program. Can anyone tell me if they have tried their program and what their experience was? Thanks so much! 
my experience
As I stated above, I was in the Army for quite a few years. I had soldiers under me who would have issues now and then. I knew the routes to go and the ropes so to speak of how to get them what they needed. I am sorry but you are not totally correct. Working on an Army base as a civilian is most assuredly not the same thing as being in the Army. 
My experience.......
Vista requires a lot of memory (RAM)to run, so I wouldn't have anything less than 4 GB of ram, in order to make sure it doesn't freeze up all the time, which is a big complaint.
My daughter has a new Dell with Vista, 4 gb ram, and says it works great, really fast.
Otherwise, you can order online and get a computer with XP on it, with an upgrade to Vista later. Newegg.com, Tigerdirect.com, Dell..... all these have XP on their computers/laptops.
my experience...
I have a new Dell with Vista and my old computer with XP sitting side by side. I really do not see much difference, except of course my new computer is way faster.
All the accounts I work on support Vista also and I've not had a problem.
Sorry you had this experience with a pit...sm
But I don't believe it is a breed thing. I believe you were unfortunate to have happened to get a pitbull who did this. If your dog hadn't been raised with the cat I would say well that is just a dog being a dog but to be raised together and get along that is weird. But there are other dogs who are capable of attacking. I had a stray mix breed medium size dog. It didn't have any pit in it. I saw it kill a cat in my mother's yard. Brutally killed it. But it wasn't a mean dog to us. It also would try to attack our bealge pups. So I know other dogs are capable of killing animals. The pitbull can do more damage though than most dogs. But I have seen pictures of lab attacks on owners, Dalmation attacks on a child, many others. Any dog can do this. Personally I have a neighbor who had a little chihuahua and it was there little doll. They adored this little dog. Well someone who lives a mile to a mile and a half down the road has a Dalmation. It climbed the fence in its yard and went a mile or more down the road where the little chihuahua was outside peeing and mauled it to death with its owners watching. I mean they said the dalmation just attacked when it seen the little dog no provacation. So I know what other dogs can do too. But most won't. I hope you never have this problem again with any of your dogs. You had a most unfortunate incident with your pitbull and I believe this has rightfully left a bad taste in your mouth for the breed. But try to think of it like this. There are good people and bad people. There are good dogs and bad dogs. We have serial killers and rapists but we also have good people out there. Dogs are not different. Don't look down on the whole breed because of one bad experience. There are so many kind pits out there who have never hurt a living thing. Really.
Not everyone's experience will be the same as yours. sm
Not every teenager who smokes pot ends up like your son. I am sorry you had to go through so much, but as far the OP's son I think you are totally overreacting. When you consider how many teenagers try pot or smoke pot, your son is definitely the exception to the rule.
She's not being a doormat, she did speak to him, and he deserves the benefit of the doubt since there is no evidence of him being high. Teenagers are not perfect, and if they are trying to "clean up their act" they need trust and encouragement.
I have no experience but my DH has. He is 50 and
and just got out of them about 2 years ago. He looks fabulous! The only trouble he had was at first, his mouth was sore for several days, liquid/smooth diet, but after that everything went great. His were on for about 2.5 years and we could see the change after only 3 or 4 months. He is fastidious about his teeth (really always has been) always wears his retainer at night (a very small one inside the mouth at night only). Make sure you wear the retainer after they are off (assuming they give you one). You will be so happy with your results and the time will fly by. My DH was the ortho's oldest patient he had ever had!
use your own experience
to discuss the issues in specific but not personal terms -- unless it just seems that you should take it further for their benefit. Unfortunately i think some kids take it as license to do as they want. i would never lie, but reveal your own experience on a need-to-know basis, in my opinion.
My experience....sm
is that you're the patient and the doctor should respect your requests/observations. Try cutting back to a month between visits and if you're not feeling any worse then you'll know that it's a good increment for you. You could then start trying to wean back to 6-8 weeks and figure out what is the "magic" distance between adjustments for yourself.
In my experience -- sm
with the south east coast, ANY place along the se coast border is subject to much humidity in the summer, and winter too actually, and wide open for hurricanes! I would much prefer the long hard winters than to EVER go through another hurricane. That includes FL. If I wanted sun and warmth, I think I would opt for Arizona, but that's just me, having been on the east coast in winter, summer, and hurricane season. aaaggghhh!
That's not everyone's experience...
As I said above, we have had no problems. We have a large family and we've had no problems with any of the boys. People also need to understand that when children are not circumcised, you do not need to manipulate the foreskin. Yes, doctors instruct parents to do that, but you really should not. It's best just to leave it alone. That is part of the reason why children have problems, from people manipulating the skin unnecessarily.
My experience
When I was in my 20s I was in a relationship that was all about sex and it was great. I was really attracted and lusted after this man. He could just talk and I would melt. This was someone who I had nothing else in common with and couldn't imagine settling down with. Now in my late 30s, I am with someone who has the same life goals, we are really soul mates and I love him so much; however, the sex really isn't that great. I kind of go through the motions of it. I can't stand that I feel that way and would never tell him that, but it is just the way it is. We have been together for 9 years and I wouldn't be with anyone else. I have never had a relationship where there was LUST and LOVE, it's either one or the other. I know some people do have that and I consider them very lucky!
My experience
I don't really worry about so much anymore. I listen to him, I'm there for him, I care about him and I let him know that I am always on his side. He is my guy and I am his girl and we are partners! Because he feels secure with a strong woman who he knows loves him, he doesn't notice that I don't really care for the sex. I don't make it an issue for me or him. I need a strong man who listens to me too and will always be there through the good times and the bad times. I don't need the other part and I am very happy with my life. Knowing that he loves me more than anyone else is everything for me. I don't think you are weird at all. My sister in fact is in her 20s and really has never liked sex either. Maybe some woman just don't care so much about it. It is about YOU and HIM and that's it!
My experience.....
I do know that nightshade vegetables do cause more inflammation in most people with arthritis and immunosuppressive disorders. Every time my husband eats pizza, stromboli, or basically anything with a tomato-based sauce in it, or onion,peppers, etc., he will be in a lot more pain the next day. Even eggplant, which he loves, really does a number on him.
Do some research and nightshade vegetables and immunosuppressive disorders and you will probably see a lot of reports on these things. But, this is a big issue in our home and I have read many many times that these things tend to flare conditions like you have and others.
Hope this helps.....
My experience...sm
I didn't use puppy pads because I felt like it was encouraging my puppies to go potty in the house. When they were little I would carry them to the door when I took them out of the crate in the morning and repeat over and over in a positive and reassuring tone, "potty outside". I would keep a close eye on them and if it looked like they were sniffing around looking for a place to potty, I would calmly and gently pick them up and carry them to the door and use the same words - potty outside - and take them out. When they were finished I would praise them and bring them back in for a "good boy treat". My second puppy kept having accidents in his crate during the night, and he was a little slower to get the door idea. They are 4 and 2 now and they have been really great as far as going to the door if they want to go out. If I don't happen to see them go and don't hear them scratch on the door, they will come to me and let me know they need to go. It's funny how you can just tell what they need with their expressions and mannerisms. I love my dogs!
My experience
I had a tubal after my 3rd baby, when I had a C-section. I have to say it was extremely painful afterward. And then when my periods came back after nursing...oh my heavens...I ended up severely anemic, having to have iron infusions for 6 weeks, then having to undergo an endometrial ablation...so that's my experience. I agree with the other posters, please go into this with your eyes wide open and with all the facts beforehand. IMHO, a vas is much, much easier on the man and I do believe that it has no side effects to their precious manhood.
Needless to say I'm sure, but I regretted my tubal. After my DH saw what I went through, he felt really guilty because I had asked him to have a vas while I was pregnant with oiur 3rd and we knew he was our last. In hindsight, he says he would have done the vas in a minute had we known all the complications for me. Good luck in whatever you choose!
All I know is from experience,
I had a boy child that I had circmcised. I later had 2 male g-children, both were not circumcised at birth. Both children had horrible pain, inability to urinate almost with the skin almost reaching over the top of the penis and finally at a later age had to be hospitalization for circumcision. I have read articles saying the smegma contributes to cancer (don’t know if cervical cancer or male cancer). Have it your own way- just know what had to be done with male children in my family. Oh, not only that but I really think an uncircumcised penis is terribly ugly with the excess skin.
Anyone out there experience - sm
vaginal bleeding when it was not their time to? I googled it and see it can mean many things, menopause to cervical cancer. I am 43, mom I think was 55 or so when she hit menopause, maybe younger though 50, don't really know or remember and she is not alive to ask unfortunately and doubt my dad knows though I have have not asked him as yet. I have had this now for 6 days (which occured day 13 after my period this month), not heavy, light to medium, varies each day. Called doctor on day 4, going in for regular check up in June, they said they would have to do a biopsy, not looking forward to that obviously. I will of course be going in sooner if this does not stop any time soon, giving it 10 days. No clue on FH as mom was adopted and would never go to a doctor and cancer is not what she died from, so have a big black hole there. I am not overly worried as yet but curious if anyone knows what they will do if they do find cancerous or even precancerous cells in my cervix biopsy? Do they go right for hysterectomy? Is chemo involved, etc.? Do obesity affect this (I am 80 pounds overweight). I have a few other things going on which may all be connected to this as well, which I will of course discuss with my doctor either next week or in June, depending on how things go. Any insight to one's experience or a friend's experience would be grateful. Thank you.
Not from experience........... sm
but I Googled Destin Florida Seafood Resturaunts and there are several listed with reviews. Looks like Marina Café on Hwy 98 E might be a good place but might be pricey. Pompano Joe's on Scenic Gulf Drive looks like it might be pretty good. If you want a chain resturaunt, there is always Joe's Crab Shack on Emerald Coast Parkway.
Just Google like I did and you can get a lot of reviews. Hope you and hubby have a good time!
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