we are closing on a house next month and mortgage
Posted By: is almost double our rent so we... on 2008-09-17
In Reply to: Cutting back on Christmas spending this year - inexpensive gifts?
need to come up with some cheap ideas too!! I have several baskets that i have collected over the years and plan on going to the Dollar Tree and getting "girlie" stuff and filling them up for around $5-10 each, depending on size. My family knows this year is going to be hard on us, so that helps!
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Same here - closing on house end of next month
and these ideas are great. I did craft projects for Christmas last year and was a bit overwhelmed because I started to late, so this year I'll need to get started earlier. I love the family tree idea, as well. I may have to borrow that one. Thanks!
wow you pay 350 a month for a HOUSE?
lucky duck, I pay 465 a month for a rented townhouse
Yes, they do. 10-month teachers make more than 9-month
teachers. I know that for a fact. One of my sisters was a 9-month, one is a 10-month. They are compensated for working more scheduled hours.
Stores closing..
The stores did not close for Chanukah...my son had to work 6 out of the 8 nights of Chanukah. I would have loved to have him at own each evening for prayers, but he was there after and we still got to enjoy the Holy Days together. Compromise people, compromise! Life is too short for such frustrations.
closing a pool Help!
I just purchased a home with an above ground pool and have no clue as to how to close it for the season. First of all, the water is a yucky green because I didn't add shock (I think?). Is that what I need to do? 
I said closing the bank...
…NM
Closing letters
How about "Kindest" or "Kindest Regards,"?
Yes, especially if you are on a month-to-month basis
My mother had rental properties and has evicted tenants twice because her daughter (sis) decided she wanted to live there. Those tenants were pretty upset at the time too, because they didn't want to move. A landlord isn't required to have a reason for taking back their property or raising the rent. They will likely give you a good reference since you're been a good tenant.
A year after Katrina, all the landlords on the Gulf Coast decided to double or triple their rent, just because they could. Due to the housing crisis rents are going to continue to rise, because more people are losing their homes and looking for apartments. Its all about supply and demand.
The bright side is that working at home allows you to live "anywhere", so you could see this as an opportunity to move somewhere completely different. That's what I did, and I haven't regretted it.
If it is a month-to-month lease -
If there is no signed lease stating a specific time (1 yr, 2 yr, etc.) then it is implied as a month-to-month least and either the tenant or LL can terminate at any time.
I would look for a place pronto if I was the OP.
And she should get another job pronto too if the one she got ain't paying the bills. No reason to let it go on month after month, paycheck after paycheck, until you are in the street, that is just plain stupid.
If she is getting evicted --- there is more to this story I believe.
How weird, was it closing time? 9:30 pm - sm
or was that morning. Why didn't you ask him why? I certainly would have wanted to know why I was being kicked out. 
Credit Score will hardly be touched by closing them
xx
Closing an account affects your score because
if you carry balances on other cards, by closing an account you instantly increase the percentage of available credit that you are using. An assessement of the percentage of use is a significant element in your credit score.
If you have other cards with high limits and low or no balances, closing an account will have only a small, probably temporary, effect, unless you are closing the account with the longest history. As another poster mentioned, length of credit history is another significant element of your credit score.
If you have high balances on other cards, leaving open an unused account will make those balances a lower percentage of your available credit, which can boost your credit score. However, in that case, paying down the balances will have a much larger positive effect on your score.
mortgage
My thought is to get more house with a 40-year mortgage but it's not necessarily the house I will stay in the rest of my life. I would probably downsize in about 6 or 7 years. Just wondering if banks readily give this or not . . .
Mortgage foreclosure.
I am in danger of losing my home. Anybody deal with this and what did you do?
Mortgage Companies
We have a good one, but it is funny when there is an error on their part they call your employer... When they want to loan you some more money, they call your house!
I had no problem getting a mortgage
with iffy credit, but your broker may not have any control over the documentation needed - especially since the subprime mortgage industry is tanking due to bad loans (everyone is being more careful as a result). STILL, if you have been doing the same type of work for a while, which you have, they should look at the bigger picture - and I would ask them to because you would "hate to have to take your business elsewhere" wink wink.
Remember your clients can lose their clients *any*time - with or without a contract, so I doubt they are going to be willing to give you a letter which meets the requested requirements. If you have excellent credit there are tons of companies out there who probably would not ask for this type of documentation - although terms could be affected a bit. Good luck. P.S. Want to buy my house - its for sale!?
mortgage question
Has anyone ever obtained a 40-year mortgage? Are they hard to get? I'm house hunting and just trying to look at all my options. TIA.
Do you know about reverse mortgage?
Maybe not, you might be young but will explain for others who do not know. If you own your house outright and should your spouse die, you get sick, whatever you can continue to live in your house, and you possibly would get money also to live there until you die. Called reverse mortgage. More should know about it. A company takes over and then you will the house to them upon your demise. So that thing about selling the house, nah on this end. As far as short term social security, may be for younger people or not be all and from what I am hearing by the time social security is due to give out, probably would not be around then anyway so don’t worry about the short term thing there, money from previous hospital is until my demise, again no worry there, money in bank building interest only, don’t take from there, no problem there either. The only thing I consider myself rich in is happiness and love. Next.
Mortgage rates
Is anyone refinancing with the mortgage rates so low? I doubt we'll ever see them this low again.....thoughts?
Have you talked with your mortgage holder? sm
They will sometimes try to work with you regarding payments, etc. They don't like to foreclose. It usually takes anywhere from 6 months to a year to foreclose on a house and they usually take a hefty loss. We bought the house next door to us just a few months ago on a foreclosure and it took forever.
finding a new mortgage company...sm
Is at the top of my agenda for this year, but it was the plan all along to refinance this year anyway, so...thanks for the support y'all!
Question about mortgage and divorce...sm
Is the only way to get my name off a mortgage is to have my ex either refinance or sell the place?
Thanks
I agree. They also don't state how much their mortgage
if you don't live beyond your means you don't struggle.
Mortgage? You gotta be kidding. - sm
Dont know 'bout the rest of y'all, but I live in a very tiny apartment. My car is 13 years old, and is going to have to last me forever. It guzzles gas, but it's paid for. I never eat out, I eat 2 meals a day instead of 3, and I buy my clothes at the Goodwill. A vacation? Fuggetaboutit! A 'vacation' is when I occasionally allow myself the luxury of watching the evening news on TV.
Mortgage recommendations for not so good credit...
a family member needs to get a mortgage for a home they are currently "buying" from a friend on contract. I say "buying" in a very loose term, because I am not sure that they even have a written agreement, sometimes it sounds like they are just "renting". Anyway, credit is a problem for them.. bankruptcy 7+ years ago, collection accounts they are currently paying on, etc. and probably some current finance company bills and "of course" the "new-used SUV" they got about 8 months ago. You all know what I'm saying here, this is not a "one time credit problem" .... Supposedly, they tried one mortgage company but, according to the wife, after about 3 months they got mortgage approval but PMI insurer turned them down. They actually have a good deal on the home, appraised at approx 90,000 and they are buying it for approx $78,000, so there is some equity. Of course, they have actually no $$$ to really put down. The situation is that they have been living there a few years and the seller "a friend of theirs" needs the cash by October, so that he can purchase a property he is currently buying on contract from his sister, who needs the money now, etc. and on and on it goes. Anyway, if they cannot come up with a mortgage, they are out, have to move and of course, they will be trying to hit us up for cash or, heaven forbid, a place to live!!! I need any suggestions anyone has or any names of mortgage companies that deal with this particular situation. The wife called us and asked us to co-sign, but that's out of the question. Appreciate any advice
Best mortgage company for not so perfect credit?
I am looking to buy a house that is $185,000. From the sale of my current home, I will make $165,000 and will use all of that as a down payment. Obviously, I am 20k short. I don't have the best credit (low FICO score) so I am looking for a mortgage company that will loan me what I am short with bad credit. Anyone know of any?
Thanks
Blech! The worst coffee ever. No wonder they're closing stores, who pays for that garbage?
//
Did you talk to a bank or mortgage company and see if you can get pre-approved? Seems
s
Need help with ideas for remodeling house and decorating. We bought a house
in fair condition about 10 years ago, got into some medical problems, and have just now paid off the mortgage. Hubby and I agreed we would do nothing to the house for remodeling because we wanted to pay it off first, then the medical bills. I need to know of some websites/magazines/books to start researching for how to go about this. These will be major repairs - roof, septic, basement, windows, pretty much everything except wiring. Where do we start? Maybe hire a general contractor just to do an evaluation and give us recommendations? Hubby is a handyman but cant seem to get a handle on where to begin. We would like to do as much of the work ourselves as possible - labor of love and all that...
Thanks for any and all kind suggestions!
Make sure you have copies of all important papers, addresses for mortgage, insurance, etc.
s
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
If you are set on closing, do not close the old ones, close a newer account first.
Your credit is based on a mix of things like history, types of accounts, mix of credit (revolving vs installment), usage/utilization of credit available, and payment history. Where closing could hurt your score is the part of the score that averages history of accounts/length of credit. If you decide to close, close out a newer account first.
The best way to protect from ID theft as far as credit is to freeze your credit reports. It's around $10 per agency to freeze them. Each credit reporting agency tries to sell your their own monitoring plan when you get to the how to freeze information, so make
sure you are freezing it.
You can't freeze it over the net they each require a letter by registered mail. It takes about 1 month to freeze it.
Right now you can place a fraud alert on your reports for free. The credit *should* not extend credit or do a credit line increase without calling the phone # on your credit report first. You only need to do it at one credit reporting agency and the other ones will be notfied. The number for equifax fraud alert 1-888-766-0008. It's automated.
If you are concerned about ID theft try one of the monitoring plans. I've tried a few of them and Equifax has the best one. Their Score Watch is great, you set the limits to be notified and any change they send an email literaly the next day. I used it after I discovered ID theft. It might be a waste of money for you. I would place the fraud alerts, then the freeze, and check your reports 2x per year.
I've had ID theft as far as my name/social but what concerns me more than credit ID theft is bank account theft. I don't know how we can fight that. It seems like consumers get the raw end of the deal as far rights when deposit accounts are stolen.
buy every month
Melaleuca products you have to buy 35 products points each month to keep your account. Which is anywhere from $40 a month to whatever you want to buy. You don't necessarily have to work the business part you can earn a check each month without actually signing up any customers. Customers will be put under you by other people and you will be making money off of the products that they buy. That is waht my mother does. She isn't in it for the business she just loves the products and still gets a check each month
$347 per month
x
Don't go out to eat except maybe once a month.
It's amazing how much money you will save by doing all the cooking yourselves at home and brown-bagging lunch. This includes those $2 cups of coffee here and there every day--really adds up fast!
Keep your goal somewhere in site...literally slapping a picture of your dreamhouse on the fridge or some place you'll be reminded every day of why you are making the sacrifices you are making. Good luck! 
Since you have a month, why don't you
get together and do a pic of the team or even a few and frame it! I'm sure he'd like that. You can even go to one of those machines, have it blown up and have it say something special down below.
Also, they like gift cards to the local convenience store. Everyone could use a gift of "gas" especially when they are volunteers...
Happy sporting! Glad you had a great coach!
Ours is usually between $200-$250 per month.
Our electric company has some of the highest rates in the country...lucky us! Our bills usually go up a bit in the summer from using the air conditioning and running the pump for our pool. Electricity is definitely our highest utility bill!
Don't have your mammo at the end of the month, then.
Or it will hurt. Schedule it when they aren't painful. I've had it before, but I took evening primrose oil capsules for maybe six months. No more trouble.
Won't the be surprised next month
This happened to an older friend of mine. Poor thing couldn't get another policy to save her life, and it wasn't a cosmetic issue, it was like entire siding pieces that flew off of her house. Oh, they and came fixed it, then they dropped her like a bad disease. They'd better be careful. Just a friendly warning... I don't know if I'd let the homeowner's insurance in on that deal, I'd cut my losses and replace the carpet.
TOM = Time of the month (sm )
Was trying to be a little modest - sorry!
Just in Vegas about a month ago
Go there a lot, the Flamingo is catty-corner to the Bellagio where we have stayed the last 2 times there. Know where it is because I went to a show there. Older place, smoky, they have real flamingos out in the back with ducks, etc, been there but not to stay. Toni Braxton headlining there and George Wallce comedian there now. Know what I talk about.
I know, she hasn't been on here in about a month or so
Hope she's okay.
I've had it about a month, it's almost gone (sm)
Dr. gave me an inhaler for the anti-inflammatory properties and a decongestant. I keep debating whether to go back but it is so low grade...I will probably wait another week or so and see if it goes away. Hope you feel better soon.
2- month window
and then there won't even be a way to give a bad rating of the dealer.
Will you come and live with me for a month or so? nm
!
Last month I spent $321 for 3 of us.
It's just DH, 18 year-old son, and I. We live in the Philadelphia area. We generally eat far less meat than most American families, but we aren't vegetarian. My son commutes to a nearby university and works there, as well. He provides his own lunches, and probably only eats breakfast at home half of the time.
Now, if you want to factor in what we pay for the meal plan for our son who lives away at college, well then... that's a whole other story! KA-CHING!
My 10 month old, Starr, does that, too.
I actually have pictures of her sitting in front of the TV in the office watching Animal Planet, Kung Fu Panda, and Transformers. I can see her tracking the action with her head and every once in a while she'll bat at the tv screen with her paw.
It's the cutest thing.
$250 a month is average for us.
We live in a TINY 1-bd condo and pay an average of $250 a month. We don't use heat or air and have quit using our dishwasher and have decreased our hot water usage. We unplug everything we are not using. We have been able to knock about $75 off our bill by doing these few things. Right now the only electricity we use is for our appliances (fridge, stove, etc.), lights only at night and when we absolutely need them, and for the TV and computer. We are seriously looking into solar as soon as we buy our new home as the electric rates here are crazy and can't imagine what it would be if we lived in a larger home.
I did about a month ago. There are other options.
Workin at the Q. Money is real tight.
But there are internet sites like Hulu where you can watch TV shows for free. Also at least I know on NBC who can watch some TV shows on there for free, too. Just about any news channel you can watch recorded news stories and sometimes even live if something major is going on.
Also, I found on YouTube that you can watch shows and movies. They have started putting commercials on them, though (same with Hulu). But who cares, you would have to see them on cable TV, anyway.
There are actually a ton of internet sites. I actually got into watching old *Kojak* reruns on Hulu (I know, but I liked that show back when.) They have a ton of old shows.
There is also Netflix or Redbox - you can get the cheaper options for movies.
I can watch my local news on the internet, too.
So, just seek out what options are out there for you. I figure even if it is only temporary (I have some job interviews this week) I can still watch things on TV but on the internet until things are better.
Honestly though, I will have to think about that because I haven't missed my cable TV not one bit.
Tell him you want $100 a month of that $180 he gets for rent. nm
x
no tx just 9-month visits to eye specialist...sm
Told me to keep tight control of the sugar and to be seen q.9 months at this special eye institute....seems to have gotten better too over 2 years....hope your goes away soon....
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