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I did a lot of research! Basically, I scoured the public notices in the local paper. SM

Posted By: MissouriMT on 2007-07-14
In Reply to: I do have a question for you . . . sm - maam1

You know, the ads that say a certain property will be auctioned off on the courthouse steps on a certain day at a certain time.  Well, I learned quickly that just because you've read the public notice does not mean the property will actually get sold when advertised.  Like the person said below, a lot of times the owners rehab and pay back payments right at the last second.  The trustee selling the property is usually an attorney hired by the bank or mortgage company that hold the loan on the property.  You can call the attorneys and find out if a propert is still being auctioned off which I did a number of times.  Once you find out who holds the mortgage, you can contact the bank or mortgage company directly and make an offer.


For my particular house, it was a waiting game.  They actually listed it with a real estate agent and wanted $80,000 when they first listed it.  I called the real estate agent they listed with after it had been on the market for about three months.  They were asking $60,000 at the time I looked at it.  I thought they were crazy cause it was a 2 bedroom that needed a lot of work.  Just so happened that at the time I walked through it I was stilling bickering with the insurance company over my settlement, so I wasn't quite ready.  Then, three months later I'm at the grocery store (I live in a small town and it is wonderful!) and someone was telling the cashier about a little blue house that had been for sale for a long time and nobody was interested in it because the basement was a cinder block basement which scared people off.  Anyway, long story short, the person said they were now asking $45,000 for the house.  I had just settled with the insurance company and thought nows my chance to get a great deal!


I called the mortgage company and offered them $36,000.  I low-balled because I was prepared to negotiate.  They countered with the full asking price. So I countered with a $40,000 cash offer.  I said they would be crazy not to take it because I was a cash buyer, didn't have to wait for financing, and didn't require a mechanical inspection.  My brother-in-law waterproofs and pours basements for a living.  I had him look at the basement and told me that it was a dry basement and he would get a bobcat from work and dig out the dirt around the foundation of the house and waterproof it from the outside and that should make it solid.  I have cousings who are trim carpenters and roofers, although the roof was in good shape, no leaks.  So I felt safe not having a mechanical inspection especially because I have all this help should something go bad.


The mortgage company decided to sweat me out and didn't give me an answer for two weeks.  What they didn't realize is I wasn't sweating because I thought they'd be crazy to pass me up.  My waiting paid off.  They called the Monday after the 4th of July holiday and said it's yours if you still want and I said "I do."


I bought the house As-Is.  Also this was a foreclosed property which means the owners that were foreclosed on cannot rehab the loan and take back the property.  It's mine once we close.


So that's how I did it and I can't believe I did do it because I actually felt like I didn't know anything when I started.  I just prayed a lot and feel like I had some divine intervention for sure!




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Our school send notices home when they - sm
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Yes, they are basically against everyone but themselves I think (nm)
x
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x
what research did you do - you just said
Geesh - this is what we call *double-speak* - the ca-ca is coming out of both sides of your mouth............
PLEASE research before you do it as the others said. sm
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Research before doing anything ... sm
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while you research what you want to do.
x
Do your research
Plese do you research before moving to Florida, climate is nice and it is a nice place to live but very expensive. My house insurance alone was costing me 300 a month, on top of the house payment, because of the hurricaines and a lot of insurance companies were pulling out and not even writing new policies. If you are renting, it is still expensive but not quite as bad. The car insurance is also about twice what it is in the central US. I lived there for about 20 years and left 2 years ago because I wsa single with 1 child and it was too expensive.
Research
I think one would really have to research this to get a decent handle on it.

I believe some have said that global warming will actually end up causing an ice age ... all that cause and effect stuff can seem so nonsensical sometimes.

Even if it is happening on its own, I'm sure what we do affects our planet. How can it not? Everything has consequence.

It seems that it is better to do what is positive for the environment regardless of if it would prevent abnormal global warming or not. Why not err on the side of caution?

For those of you who read the bible (and take it literally) ... I think people made fun of Noah when he built the ark, too.
Do some research.
Check monster jobs, career builder, and some other local hospitals in your state to see what kind of salary the position might make. If you really don't mind and don't want to go too high, just have a number a little lower than that and ask. It sounds like you probably already had your yearly review which would have been the perfect time to ask but you could request a 6-month review after you have had these new responsibilities. I have done that before. Maybe the next time she comes up with something to you or asks about one of the new tasks, request a 3 or 6-month review with her to discuss your added responsibilities. That way it might come off more as you want to make sure you are doing things accurately and completely and can ask for the increase at that time. If they won't do pay increase, or you don't want that, maybe ask for additional PTO, internet reimbursement or something of that nature that might be related to the new responsibilities. The worst they can say is no and you say "ok" and keep doing what you are doing.
Research much?
You are a moron
Perhaps you need to do some research
homosexuality is not a choice. Do you actually think people would choose such a hard life? You can pray all you want that my child never tells me he/she is gay as I just want them happy and would accept and love them no matter what. Now you on the other hand, gave your answer - you would tell them it is unacceptable and then no harping, no nagging, no bringing it up ove and over again because you probably would disown them.
Do your research.
The tax tables change all the time, but you can make changes in your withholding at any time. But, you need to know what you usually owe to the government at the end of the year. Most people never question this and simply fill out their withholding forms based on who lives in their house. Married with two children, then check that off, and the government settles up with you at the end of the year. Doing that, most people get a refund.

I am married and we have two dependents, but my withholding is filed as single with 0 deductions. We do this because my husband is self-employed and pays quarterly estimates. With his business, we can't always project a full year out what our tax bill will be at the end of the year, so throughout the year, he will adjust what he pays into the estimates, which is much easier to do than for me to go back to my employer and re-file every 3 months. So, I pay the higher percentage of tax from my paycheck so that we never get into a position where we owe a lot of money to Uncle Sam.

Sit down and figure out what you generally owe to the government. Just get out copies of your old returns for the last few years. Unless you had an unusual year along the way, you should have a good idea what you will owe at the end of the year. Then figure out what is being withheld from yours and your husband's paychecks. It's likely that you can increase your deductions and get more money in your paycheck each week and not owe Uncle Sam next April. You can will out that W-4 any way you want. There have been times that I've listed my withholding as married with 10 deductions.

My husband has been sending his clients to this website recently. You might find it helpful in calculating what your withholding should be.

http://www.irs.ustreas.gov/individuals/article/0,,id=96196,00.html

Your boss probably isn't out to rip you off. But she probably just doesn't understand this. Don't rely on her for your information. Find out for yourself.
Do some research.

It would do good if you would research
young girls and the idolization that has gone on before you and I came along. I find it just unbelievable a person in this day and age would not already know this. Tsk, tsk
I SO agree - not enough research done for them

and let's not forget that thalidomide......and let's not forget ALL THESE DRUGS TODAY ARE BEING RECALLED - everyday I read about more drugs that have been *out there* - being recalled....cardiac meds, psych meds, et al, ad nauseum.........


These people are not GODs....they haven't all that much of a clue - they are sleeping with the pharmaceutical companies and as a matter of fact I read somewhere that Gov Perry in Texas who made the Gardisil mandatory - actually is funded/supported by the company who MAKES Gardisil.........


think there's an ulterior motive?  YEP....I know there is........


these pharmaceutical companies help with the politicians campaigns, fundraisers, etc....ad nauseum...and put ALL OF US and our kids at risk (for political $$).  IT IS SICKENING.


just my 2 cents.


 


They could research ways that
regular people could go "green." The list could show the most fuel-efficient cars, how to make and set up rain barrels and how to compost and use organic fertilizers. Then they could offer that article to all their parents' home owners associations to print in newsletters. Some churches might put it on their website or bulletin board. They could probably make and sell rain barrel setups, for that matter, and profits could be donated to charities. You know there is paint that works on plastic now, so they could use the cheapest barrels, which is likely those ugly blue plastic things, and paint them neutral colors that would blend in.

great research!...thanks!...nm

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This is why we need MORE ongoing RESEARCH. nm
nm
I agree. I would research this on your own.
The new tax changes are supposed to decrease the amount of withholding and increase your take-home pay.
FYI, just did some research & found that
N95 masks are what the WHO recommends for disease control (although they haven't been recommended in the U.S. for this outbreak yet of course, just Mexico so far).
VERY BIG IN CT--ALWAYS IN PAPER NM
X
Please research commercial pet foods
Please read this article, Iams is not a good food, there are many many out there that are, just not found at the grocery store. Vets do not know either, they are not taught animal nutrition in the vet schools which are subsidized by the pet food companies. I was horrified when I found this information out, please please inform yourself on this subject and if you find the below article too lengthy, just Google commercial pet food ingredients and you will be horrified such as I was when I finally decided to research this after my Collie died covered in cancer. All for the animals.


http://www.api4animals.org/facts?p=359&more=1cat=286
Thanks for taking the time to research this!
Merry Christmas to you!
You all piqued my interest so I did some research

I had no idea what a french press was, how it's used, or nothin'.  I found this site with a picture narrative and even detail on what kind of a grinder to get.  Way to much work for me--I can barely operate my Mr. Coffee correctly, never mind one of these bad boys.  For you coffee afficionado's though, this looks incredibly fascinating and delicious!


http://www.coffeegeek.com/guides/presspot


I have done a lot of research on Anna in the past and of course now sm
since her death. Sorry, but none of your claims are true, according to my facts. No offense against you.

First, the son of the billionaire died on June 20 of last year after a short battle with an infection. So there goes the claims that the billionaire's did that.

Second. Anna is not married to Howard K. Stern, her attorney. They had a committment ceremony which both the Bahamas and the US do not recognize. UNLESS she has a will, which at this point we do not know, Howard isn't entitled to anything, BUT Daniel Lynn, her daughter, is. So, to me, I don't think he did it. I do, however, think he contributed to Daniel's death since there are reports that he immediately dumped pills down the toilet in her hospital room in the Bahamas once he realized Daniel was dead. Many reports on this one. He gave Daniel Vicodin (which is also what Anna was claimed to be addicted to), and Daniel was also on 2 other antidepressants he began taking a few months prior.

As far as Larry Birkhead, the previous boyfriend, according to his website dated Feb. 8, Anna was his soul mate. He was waiting for her to come back to him and leave Howard so they could raise their baby together. I know, weird. He just sent her a box with a photo album and clothes for the baby with a picture of both of them when they were together. It is said that he has been unconsolable since hearing of her death. I feel for him. That is his child, if you ask me. It is. Doesn't even look like Howard, who is Jewish. I am part Jewish. Very dark skin, dark hair. The baby is very, very fair skinned, almost red hair, light eyes. Most definitely not Howard's in my honest opinion.

Third, or fourth point. And I promise, I'll be done after this. Anna died of pure heartbreak, drug overdose, and a combination of the flu/pneumonia. Sources say she has never been the same since Sep. 10 when her son died. They said, she just lost her spark. I can't imagine. I definitely believe, after coming to my own conclusions, that Anna died of unintentional suicide.

Okay, I'm off my soapbox now! LOL
AGREED - the poster has done NO RESEARCH!

You definitely need to do some research on her political views! nm

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