single wide are only kind to depreciate; hard to get loan
Posted By: they are older and tip over in wind; hard to insur on 2007-05-29
In Reply to: The fact they depreciate instead of - Misha
nm
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She lives on his property so kind of hard - sm
to call the police on him or order him off his own property, he has every legal right to be there, except for being a total nut case. I hope he wakes up and gets help, but I do not see any of this ending well.
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
What kind of dog do you have? It's hard to beat natural instinct.
My cat keeps killing birds and laying them on my front porch as little gifts for me. I'm so thrilled at 6 a.m. when I get up and walk out on the front porch for my morning coffee and find a dead bird! But thankfully my cat goes after small prey. My neighbors cat brought home a big fat rat the other morning! YUK!!! I don't know where he got it and I don't want know!
Good luck!
Ya'll are just too kind and sweet. I am having a hard time thinking "I'm the better person&
all of this. Thank you for your support. You are exactly right. She doesn't want to "make nice" with me. She is feeding on my vulnerabilities. I can't believe she can live with herself like that. Poor thing. My husband and I got into the biggest fight yesterday because I refused dto go to his mothers house. I went and she was not there! Thank God! It worked out well and I had a very nice time. My husband does not understand my pain and not wanting to be around her.....
I "feed" on positivity and niceness. I love nice, sweet people and can't, for a second, be around meanness. A lot of it has to do with my upbringing...
Ya'll are great and I appreciate you so much. Thanks!
The fact they depreciate instead of
what houses are supposed to do - increase in value, is one reason not to. But I had a townhouse I just adored. Lawn was taken care of for me.
2nd toe longer, wide space between big toe and
x
Having community wide yard sale and
had it not been for this post I probably would not have checked my bracelets out. This was posted last week but I thought some that replied might be interested to know it was exactly like they thought, more expensive than just the average and collectable.
Me too - more of a road block really, flat and wide. :) Also known as ,
Apple A$$ :)
An unfortunate trait inherited from my mother's side of the family.
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.
Aww! I loved that movie. Worst yet was Eyes Wide
Don't worry about it being too sexy. You won't be awake for those parts. The movie will put you to sleep in no time.
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.
Doesn't she still live in that trailer? Or has she graduated to a double wide? lol
x
But this is not a school-wide accepted teaching practice, it is individual (nm)
x
But 275-pound footbal players are taller than 5 feet, therefore not so wide. nm
x
Has anyone had experience with a consolidation loan?
gg
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
Despise that wide-open mouth yawn right in front of my face w/o a hand or arm up to cover it.
s
Guess he can take out a loan for future schooling! Son found a phone
s
The drinkin kind or the rubbin kind?? sm
So....is that for me to drink so I don't notice or care that my hands are all splotchy black or to get the ink off?  Seriously though, do I use the rubbing alcohol - or like Jack Daniels?? and do I soak in it or what? I never heard of using alcohol but I'll try anything.
A King mattress measures 78 inches wide, 80 inches..
long; Cal King is 72 inches wide and 84 inches long. Maybe you just need to rotate the sheet.
I feel that is best too. I have been kind, very kind, to this ...sm
child since he moved here in March. I also am not one of those parent's that thinks my children are perfect. You never know what they might do out of your presence. I do know how I have raised them though and I am all for getting them all together when there is a problem and getting to the bottom of it but anymore that doesn't seem to work. The parents automatically get defensive and start making excuses, etc. I'm going to look for somewhere else to move. I've lived here for 2-1/2 years and we never had a problem until this boy moved in. His mother is a piece of work.
I'm with you 50 and single..
I too have sworn off relationships and very happy being on my own. I cannot and will not go through it again. Both my ex's were two peas in a pod. Unfortunately, I seem to attract the same type of people. At 52, I am quite happy being alone but also having a great circle of friends. It far outweighs being unhappy, angry, always hoping things would get better when they never did.
I am not a single mom but...
I was a single woman when I bought my house. It is one of the things I regret the most right now.
BUT ONLY cause I wasn't settled down, no family, things came up and i wanted to move. I also bought it right before the market crashed 2.5 years ago, and now I am in an interest-only ARM on an upside down mortgage.
Now, considering this probably wont happen to you because the market has already crashed, there still might be room to wonder if it could fall more, depending on where you are looking to buy. My advice is if you are going to stay there and that is your home, your job, etc. etc. then buying is a great idea and when you mention you are responsible for anything that happens to the house... well that is the chance you take. Depends on what kind of home you buy, how old, and if there are HOA dues. I still dont know how I feel about homeowner's associations, even though I belong to one. However, they will be responsible for anything exteriorly wrong with my house, but for $80.00 a month. you know? so you definitely have to weigh your options.
My main advice would be DO NOT RUSH. that is what I did as I was young and excited to be a home owner at a young age, but now all that money i worked so hard for since the age of 15 is gone. I no longer have the 50K I put down on the house. That is something REALLY tough to deal with.
I love being a homeowner, but I hate that I bought when I did. you know? I know I am not the only one in that boat of course but it is still very very tough.
Good luck!!
well, I'm a single mom....
I've been divorced for nearly 8 years. I have taken care of my son completely on my own. I do not have a huge social circle, but I know what I like to do, and I concentrate on my son, but one day that child will (hopefully) grow up and be on his own and so it will be just me. I know what I like, do what I like, but sometimes, having that special someone would just, for me, make things better. But, now this is the odd part, having been married to the wrong man, I would be perfectly content to have a "significant other" without ever going to the "married" stage. I am fine and have been fine on my own the last 7 years, learned a lot about myself. Now at 35, I feel like I want someone in my life, but I dont necessarily have to be married. Sounds odd, and most of my friends are the opposite. But, I'm also one of those people that never had a lot of boyfriends, etc. I was not the girl in high school who had crushes on a lot of guys, I chose to date and not have a serious relationship in high school because I thought I was too young for that, haha. I've seen both ends of the spectrum, I've seen completely happy couples, my own mom and step-dad for example, if I was to ever get married again, I want a relationship like theirs. They are each other's best friends, and still so in love, but they also make a point of doing things separately because they are, after all, 2 separate people; and I've seen people in my life who are in their 60s and still perfectly content to be single.
I'm in the middle of that spectrum, haha, I would like someone to share in parts of my life, but I don't have to marry him if that never happens either. :)
I do know that I'm picky on friends, and I'm shy, and I don't date much, its just hard to date. I'm a single mom, I work from home, I live in a small town and have only been here 6 years, but only made 2 friends, well, people I would consider friends, I work midnights, sleep during the day, and spend time with my son in the evenings and with our family on the weekends, so I really don't even have time to date, so its a darn good thing I am happy in my life, haha, or I'd be a lonely mess. Sometimes it does get lonely, but in an affection way, not so much in a socializing way for me, I don't know how else to word that.
A single woman
What you're feeling is perfectly normal. Please do not rush into a relationship with any man at this point. Enjoy this time and spend it getting to know your children better and just spending time with them. Also get to know yourself and feel comfortable with who you are - develop some hobbies and interests. If you've spent the last 2 decades in this kind of relationship, you haven't had much time to spend on yourself. Soak in a hot tub every night if you want to.
In a sense, you've just cut a huge wart off your foot and of course it's going to feel strange and unfamiliar. It was the wart that was strange, now things are normal. It just feels strange because you aren't used to it.
Hope some of this makes sense. If you think about it, I bet you are actually less lonely now than when he was there. Some of the loneliest people I know are in marriages and relationships. Some of the happiest and most joy-filled people I know are on their own.
So happy to be single.
Sounds like he has a huge stick stuck somewhere uncomfortable. Big hugs for you!
were you a single parent
x
It was not my attempt to single anyone out
is simply curiosity about some of the posts I've read. Has nothing to do with Huckabee, constitution, declaration of independence, etc.
As far as the nice day goes... right back at ya! :)
Question for single MTs
I am divorced now for awhile. I am finding that I have absolutely no interest in dating! I look at the online dating sights occasionally but no one attracts me. There seem to be slim pickens if you know what I mean. Anyway, I seem to be very happy on my own. My question is, do any of you feel the same? I guess I'm just at a point in my life where I'd rather stay single.
not one single fear
zero, zip, zilch, nada...
we are born with two fears: the fear of falling and the fear of loud noises. the rest we create or obtain on our own later in life. me: none, other than the two i was born with.
Single Mom Survivor here ... have
Looking back over my experience as an owner and as a renter, raising my children alone with limited resources:
Renting is easier and more cost effective for you than buying.
Pro's of renting:
1. Low deposit to get in the door.
2. Rent is usually reasonable and oftentimes contract won't go up if you are a good renter.
3. MAINTENANCE is the responsibility of the management -- you are not out for those costs.
4. You can leave with a 30-day notice.
Pro's of ownership:
1. You are building equity.
2. Tax breaks.
3. If financial crisis, it takes about 6 to 9 months to get to foreclosure so you do have some time to find another place.
Con's of renting:
1. May require a background and/or credit check.
2. Although evictions are subject to some jurisdiction (they must give you a 10-day notice), it can be quicker to evict you from a rental than from your own property.
Con's of ownership:
1. ALL maintenance and repairs are up to you. Can be very costly.
2. You cannot get out of this very easily - especially in this market.
Hope this helps.
She's not a single person
The cnn article is worded a little confusingly, but the woman is married and her husband is the one who is scheduled to return to Iraq, not her father.
I have no idea why she was taking fertility drugs when she already has 6 at home - unless they are not biologically hers. The doctors should be sued for malpractice for implanting that many embryos. The ethics guidelines these days state that they should not implant any more than two at a time to avoid situations exactly like this.
And now you see why they're single!
I think the internet is partially to blame. Guys start trolling for women and never stop the conquest. Supposedly hot babes to flirt with, who wants an average girl in real life?
If you could force the creeps to tell the truth:
"Sorry I blew off our lunch date, but I was busy having spur-of-the-moment cybersex with a stranger."
"Oh, I never intended to actually MEET you, I only enjoyed the challenge of seeing if you would meet ME. I prefer fantasies to reality."
"Disappointing women gives me a power rush. Score!"
"Quantity over quality, honey. Now describe what you're wearing. And what WAS your name again?"
Definition of a single man...
... I heard this and told it to my then-husband, who, oddly enough, did not find it funny. (Perhaps because the shoe fit all too well.)
Anyway... this lady said that many men basically had their d*ck in one hand and their umbilical cord in the other, and were looking for a place they could plug them both in....
Is he single?? LOL - not many good ones left. nm
x
single-parent dating (sm)
I'm not sure that the length of time you have been dating is really relevant as other posters mentioned. If you feel you need to have the relationship defined, it should be and when it is, you need to decide what to do next.
It is SO hard to date when you have a child, especially a daughter that you want to raise with good morals and self esteem. In order to build a good relationship and be sure the guy likes your kid, you have to invest time and expose the child(ren) to him. If he's not *the one* then you have to repeat the process, thereby exposing you kids to men, attachments, and as far as I'm concerned, confusion on the part of the kids.
I came to this conclusion shortly after my ex and I split when my daughter was 5. I dated one guy, we broke up, and didn't date again until she was out of high school.
I also identified with a line in Jerry MacGuire; words to the effect that spending time with my kid was more fun and fulfilling than any frog or potential prince.
It's my opinion and only my opinion that we had our lives, made our decisions, had our fun, made our mistakes, brought kids into the world and they should be our focus. It's hard to focus and give full attention to a child when there is guy anxiety.
I know many have done it and have been extremely successful with merging families and doing the step-dad/mom thing. I just didn't think it was fair to gamble with my child's future... things don't always happen in real life like they do in movies...
All of this was probably of no help, but I sincerely think you do need to stop and think what is going to give you peace of mind, not necessarily happiness or instant gratification, and know that whatever does give you peace of mind will benefit your child.
Good luck, sweetie! :-)
I assume you're single.......
You need to call this guy. Call him at the office with a "question" and see where the conversation takes you.....Good luck!!!
Oxymoron indeed! LOL. Single is definitely best if you can afford it : )
x
I am talking single mom by choice, not by
a death. I have been widowed before and still had a child at home and the insurance money then was split half for a burial and I gave my child the other $10,000. I do not believe in pity-parties as I see a lot on MTS. I am just glad I waited until later when having my children. I think the ultrasound is a way to make a women thing more about what should be her decision alone but would not have changed my mind then or now.
I am a single young person
and you know sometimes it is nicer to go out and do things on your own. I have found sometimes when I have gone out with people they do not want to do the same thing so you end up wasting energy trying to convince them or they lollygag and I hate that. As much as it is nice to have someone or a special someone to do things with, there is nothing wrong with being an independent and doing things on your own. As I see it, if I wait around for someone to magically appear to do things with, I may miss out on a lot of good things. As for bus trips, I live in the SF Bay Area and I know I have seen all sorts of neat bus trips to places like national parks, Tahoe, etc and you go in a group and explore.
a single paddling at school is different
from a parent keeping a paddle at home during the summer. I'm wondering why you need to go on and on about this.
My past is my past. I believe each parent has the right to raise their children in a manner that suites each family. My hope is that physical punishment is limited, but there are other methods of physical punishment other than paddling which can do worse harm to a child. Even verbal abuse can be worse.
Thank you for your sympathy for the decisions my parents made, but those things are in the past. BTW, I don't let people get close before of emotional manipulations by people in my adult life and not having learned how to stand up for myself when I was a child. Now I have learned those leasons and just use more caution about whom I take into my confidence. I'm not as screwed up as I feel you are trying to intimate :)
I celebrate being single and when I'm pregnant.
I'm not 16, however. Her sister is young and made a mistake. I'm not going to judge her ability to parent based on what Britney has done.
I don't disagree that a single home would be best
although I do disagree that group home placement is less desirable for short-term placements for multiple siblings under the federal 15/24 law by keeping the family connection intact (again, please read that my perspective is under the short-term law as it currently stands because the goal is reunification with the parents). Imagine losing your parents, then your whole family, your home, all your friends, just so some strangers can keep the kids together and who only knows what mental or other distress they suffer in that situation. Granted there are some good foster providers, but most of them want to adopt (not all of them, but most of them do) and fewer want siblings in today's environment than even just 10 years ago.
I personally took no offense in what she said about the kids. Having had a daycare for 10 years, I have seen all sides of the racial, economic, foster care, state involvement, abuse, family disagreements, drug abuse, etc., that any one person could possibly imagine. When she responded to your question about the biracial statement, even you said her answer was _not a biggie._
While you do not specifically state in your post that you adopted any of the children for whom you cared, I was pointing out the adoption factor in the federal law that currently exists and how it effects kinship care and foster care and how that law effects children and siblings. It DOES sound from your post that you saw things from a foster care perspective (pure speculation on my part).
Currently in the US there are over 5 million kids being cared for by relatives and less than 600,000 in formal foster/group home care. I've seen a grandmother who raised her 3 grandchildren for 10 years ripped away from her by the _justice_ system to be given to complete strangers because when the bio dad got out of jail, his exercised his right to reclaim the children and promptly allowed people the children had never seen before adopt them. I've seen grandparents lose their newborn grandchild to foster care parents because the state was running adoption services in preference to keeping the child with his/her family.
I am very pro kinship care even though the government finally realized a way to save millions of dollars a year by providing less support to kins than to foster care providers, draining resources on a larger number of kins who are usually older and closer to retirement age...people you give up everything they have to keep their family together.
Try not to let that chip on your shoulder damage your halo :)
dang! am I glad I'm single!
What are you doing putting up with this!?! WOW!!! Are you kidding?!?! Abusers isolate their victims, cut them off from their family and friends. Climb a giant ladder and STAND UP FOR YOURSELF!!! You and your sister are free to do as you please. This piece of work you are married to (and whose emotions you have obviously tip-toed around for ages) is going to have to get over it. He's obviously ashamed of something, his home, his lack of employment, himself. I cannot believe you have put up with this for ages --- grow a set and use 'em!
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