Archive for the ‘city home equity’ Category

Can they come after my house if my boyfriend forecloses on his?

Saturday, February 27th, 2010

I bought my house by myself I paid cash for it so theirs no money owing on it & like a dummy I got back together with my boyfriend & put his name on my property. He bought a house from a friend & took out a home equity loan for 50,000. & the city has been sending him fines to fix up the house which we have been the fines have gotten up to 69,000 because we dont have the money to pay. My question is can they put a lien on my house if he forcloses on his.

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My daughter, only child, me a senior guy, wants me to move to Las Vegas….?

Friday, February 12th, 2010

…I have some problems with that. Help me decide.
The pro, of course, is to live near my daughter, who is a great girl with a great job, heart and attitude. The city is OK with me. I am a widower and not getting younger and have no nearby family or friends. What holds me back? My current home is nice (but not much equity) would have to be sold in a down market. I can’t afford more that 00 per month tops rent or mortgage to start over. I do not like the Vegas weather of hot summers/cold winters. Add to that, I would have a sad, close-up view of her living badly with voluntarily nonworking husband. My daughter pays everything and is always in debt and chased by debt collectors. She has borrowed from me, but I am putting an end to that now. I do not have much hope this situation will change in the future. She complains all the time, but is unlikely to dump the guy. I cannot see me making this move, but at same time I worry about not making it, leaving her and me both far apart and alone. How would you sort out this mess?

Need to find a Loan and I am unemployed what are my options?

Wednesday, January 13th, 2010

I have been unemployed since May, and my benefits have run out. I have made the decision to sell my home and move to another city for work and living. I full equity in my home no mortgage. I need monies to get the home ready to sell, and living expenses during the house’s sale. My credit is fair or poor with really only one outstanding debt being student loans but i made a major contribution to 4,000 alone this year. My boyfriend who lives with me has been saying he is going to help, I can’t even get him to pay the agreed monthly amount. I have paid all the bills, groceries for the house. He is the one with a excellent job and asking him or money is like pulling teeth. I don’t want to rely on him. What options do I have as my savings is growing smaller and smaller by the day.

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Bankruptcy? my situation?

Monday, November 30th, 2009

one of my property gone foreclosure. i have equaity line of credit on this
000.00 . 2nd have property retail store i have EQUITY on this about 000.00 . i try to make this property to start s business . but construction contractor scam me about 000 . he naver compelete work on this property . i am going to hire a lawyer. i was away from this property . he gets money by calling me on phone . yes he have done this job , renovation please send me cheak . he cash my credit and every thing . what i do now PLEASE HELP ME . local city wants 7000.00 taxs on this property . i have not
SO DISCOVER BANK HAVE send me letter for sue on me about 000.00 well
plus home depot card i owe to them 00.00 other store about 00.00
please reply me
i make only 00.00 per month but i have lot of bills . due to this contractor .

now I am in bad situation .

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Any advice on how to sell our house w/o a realtor in a low traffic area?

Saturday, November 21st, 2009

We’ve lived in our home over 2 years. It was a new construction home when we bought it. We would like to move closer to the city but don’t have much equity in the home yet so having a realtor may cost too much out of pocket, especially if we will need to turn around and buy again. We have it listed on a local FSBO site but it’s back in a quiet subdivision with little traffic so how else can we advertise w/o breaking the bank?
Greenville is the nearest city, selling for 173,000, 2248 sq ft (4bed, 2.5 bath, bonus room)
Greenville is the nearest city, selling for 173,000, 2248 sq ft (4bed, 2.5 bath, bonus room)

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Tell me what you think of Illegal immigration?

Friday, October 23rd, 2009

Hispanophobia, Xenophobia, The Black Legend, and Racism have all contributed to the many reasons Hispanics (Either legal or illegal) have been portray negatively in this society. Many American Citizens have not done research on the way Immigration affects our society, but we as good consumers of Media (television, radio, newspapers) have fallen short because we believe anything and everything the American Media portrays in the news, talk shows, and other mediums of popular communications. I dare anyone here to conduct un bias research on this matter, with out falling trap to racism,ethnocentrismm, xenophobia, and un-scholarly material. Anyone that can provided links to charts and statistics to argue their positions are encourage to respond anyone else that lacks professionalism please don’t respond.

In my view due to my research, Illegal immigration positive impact on American society out weights the negative impacts. We also need to understand human behavior around the globe.

Please read the following:

First of all immigration is not only a American phenomenon, but a world phenomenon. Is happening in all the world and to almost any country that can offer a better chance of living and resources. Have you ever heard of Survival of the Fittest, well, that’s exactly what’s going on in the world today. It is natural for a person or individuals to search for the resources their nations lack. Mexicans migrate because they have same necessities as any other human been, but even Mexico has an immigration and migration problem. Rural people in Mexico also have migrated to more developed areas in Mexico, like Mexico City, Monterrey, Cancun, Acapulco, and near the US border. Other Mexicans compliant that migrants workers from rural areas take city people jobs.

In Europe, countries with growing immigration population are England, Spain, France, Italy and other Western Europeans. The majority of immigrants are from Eastern European nations and they are view as bringing down the standards of the west, hey, and they are white and European too! But also Europe gets a lot immigrants from Saharan Africa, Middle, East, and Asia. Other immigrants included people from within the European Union who immigrate freely between nations in the EU.

In Asian nations, Immigration is also a major issue. In Japan there many Hindus, Arabs and Southeast Asians and even Brazilians. China has also brought in many immigrants from all over the world.

In Latin America, Dominicans migrated to Puerto Rico and the US. People are immigrating from less developed Latin American nations to more develop one where there an opportunity for money and food.

Immigration and migration is as old as Human creation. People have always been migrating in search of resources. From Ancient times, to the Age of Discovery to Now. Societies, Ethic groups, bands, tribes have old either conquered others or live together and share resources.

Human Immigration as a basic law of nature. "If you lack resources for survival, immigrate and search for those resources that you lack" This is part of the Natural Laws of Humanity. Either eat or perish.

People say, "They have broken the Law, so they are law breakers and shouldn’t even be here."

So what is greater, the law writen by man’s hands or the Natural Law which is part of all humanity?

Thomas Hobbes, a great English Political Philosopher,

said this; "The things that make a good judge or good interpreter of the laws are, first, a right understanding of that principal law of nature called equity (Justice) ; which, depending not on the reading of other men’s writings, but on the goodness of a man’s own natural reason and meditation," (The Leviathan CHAPTER XXVI
OF CIVIL LAWS)

Immigrants legal or illegal has the right to be examine as an individual, not base on the fact that he or she broke a law, that prohibit a human the necessities for human survival and dignity to live as other Humans who have what they don’t got.

Justice should be done base on character and desire for a Human to be here, that he or she when as far to brake one law to be where we are and live or try to live like the more fortunate ones.

REMEMBER AS OTHERS HAVE IMMIGRATED, ALSO EVERYONE’S ANCESTOR DID ALSO. WE ARE ALL THE SAME.

We Say: "Let’s stop world hunger and help the poor"

But when poor folk comes to your nation and your home, you rather give him or her a snake or shoot the poor bastard in the head"

We are a bunch of hippocrates!

Please use resoaning when responding.
They take American jobs, yeas, that’s true, because Americans don’t go out and search for jobs and fill applications. It’s Survival of the Fittest, get up, and hustle and stop applying for jobs on-line and go out like immigrants do to search for any job. We Americans are just too picky when it comes to jobs and even we are poor we want more than the other person.
Everyone has done an illegal invasion of lands. Europeans killed as many Indians to take their lands. The Indian Removal Act, The Battle of Little Big Horn, and the other many battles against indegenous populations who didn’t want White men in their lands. African-Americans have forgoten also of the Fugitive Slave Act, that treated them as illegal immigrants in the North. They were captured and deported back to the South, were the Slave master was ready with whip in hand.
Mexicans and other immigrants come here illegaly because there’s no other way to come here. The Legal system takes longer.

Laws are laws made by the people in power. Remember many years ago it was legal to own slaves. In Germany it was legal to kill the Jews and anyone else that was undesire in that society.

Laws don’t make anything great! People compassion, reasoaning, democracy, and real justice makes a nation great.
Anyone that takes this for Racist, is not in their right mind. Read what I have say and study it. Take a Historical, Anthropological, and resonable view on the subject.

Can I stay in our home, if he is abusive?

Wednesday, September 9th, 2009

I have been married for 2 yrs. I gave up my rented house to move to another city with him.(We live in Calif). I don’t Know anyone here and have no place to go. he is an alcoholic and an abusive person. I have a restraining order & a move out order on him (he is not living here now) and we go to court in 3 week. he owned the house way b4 we were married there is no equity in it..and i put about ,000 of my own money into the house. I am not on the title.. I am permanently Disabled & my only income is disability. When we go to court on the restraining order, my question is.. will the judge make me move if i have no where to go and he has plenty of family here?

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Options for this situation with mother in law in house and not maintaining it and us being financially liable?

Monday, August 31st, 2009

My husband was deeded the family home by his grandmother when he was eighteen when she went into a nursing home. At the time, his mother was on disability and his sister was eight years younger and so they all moved into the home. In an attempt to protect his mom in case something happened, my husband made her a joint tenant on the deed. There is no outstanding mortgage or equity line on the house. Since then, my husband graduated from college, married me, and moved away from the city the house is in. His mother lives there by herself and has an income from social security disability and long term diability payments. She is morbidly obese and although she has had surgery, but she has actually gained back weight and so it looks like she will be on disability permanantly. My husband does not know what she does with her money, but she is not maintaining the home and has never put any money into it (my husband paid for a new furnance several years ago). It is dirty and cosmetically looks awful, but not it looks like the floor might be giving out and there might be termites. We are not sure what the options are, but we know we cannot afford to be liable if the house if condemned. While we think she could afford to rent somewhere, we are not sure. She is willing to sign the house back over to my husband, but he doesn’t want to be a landlord. And if he signs it over to her, he is afraid that eventually when something does happen to condemn the house that he will be responsible for figuring out how to help her then. Are there any options anyone can suggest? We are just kind of stuck.

Do you know John McCain voted NO fr equal pay for WOMEN?!?

Tuesday, August 18th, 2009

NEW ORLEANS Republican Sen. John McCain, campaigning through poverty-stricken cities and towns, said Wednesday he opposes a Senate bill that seeks equal pay for women because it would lead to more lawsuits.

Senate Republicans killed the bill Wednesday night on a 56-42 vote that denied the measure the 60 votes needed to advance it to full debate and a vote. Majority Leader Harry Reid, D-Nev., had delayed the vote to give McCain’s Democratic rivals, Sens. Hillary Rodham Clinton and Barack Obama, time to return to Washington to support the measure, which would make it easier for women to sue their employers for pay discrimination.

McCain skipped the vote to campaign in New Orleans.

"I am all in favor of pay equity for women, but this kind of legislation, as is typical of what’s being proposed by my friends on the other side of the aisle, opens us up to lawsuits for all kinds of problems," the expected GOP presidential nominee told reporters. "This is government playing a much, much greater role in the business of a private enterprise system."

The bill sought to counteract a Supreme Court decision limiting how long workers can wait before suing for pay discrimination.

It is named for Lilly Ledbetter, a supervisor at the Goodyear Tire & Rubber Co.’s plant in Gadsden, Ala., who sued for pay discrimination just before retiring after a 19-year career there. By the time she retired, Ledbetter made ,500 less than the lowest-paid male supervisor and claimed earlier decisions by supervisors kept her from making more.

The Supreme Court voted 5-4 last year to throw out her complaint, saying she had waited too long to sue.

Democrats criticized McCain for opposing the bill.

"Senator McCain has yet again fallen in line with President Bush while middle-class families are falling by the wayside," Clinton said in a statement following the vote. "Women are earning less, but Senator McCain is offering more of the same."

Democratic National Committee spokeswoman Karen Finney said: "At a time when American families are struggling to keep their homes and jobs while paying more for everything from gasoline to groceries, how on Earth would anyone who thinks they can lead our country also think it’s acceptable to oppose equal pay for America’s mothers, wives and daughters?"
McCain stated his opposition to the bill as he campaigned in rural eastern Kentucky, where poverty is worse among women than men. The Arizona senator said he was familiar with the disparity but that there are better ways to help women find better paying jobs.
http://www.huffingtonpost.com/2008/04/23/mccain-opposes-equal-pay-_n_98342.html

NO OBAMA OR NO HILLARY; wanted mr /ms/mrs cleaner us president 2008 or onwards: republican / or democrat ,?

Tuesday, August 18th, 2009

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NEW SEGREGATION IN u s OF AMERICA: POWERFULS VS POWERELESS, WEAKER PEOPLE , DISADVANTAGED IN USA ET AL; ?
REVEREND, KAMAL KARNA KARUNA ROY SID PUBLICLY ON SUPER TUESDAY OF PRIMAMARIES, AT A SRANAC LAKE, NEW YORK TO HIS VOLUNTTEE EXECUTIVE ASSISTANTS IN THE ELECT KAMAL ROY ELECTION COMMITTEE,ON 2.5. 2008, THAT NEWER SEGREGATION PATTERNS IN U S AMERICAN DEMOCRACY, THE SEGREGATION BETWEEN OLD BLACK AMERIC V WHITE USA IS REDUCING SOME RELEVANCE FOR WHITER BLAKS IN USA VIZ oBAMA, A CANDIDATE , BUT STAUCH SEGREGATION IN BETWEEN POORS IN U S AMERICA, HAVE_NOTS IN USA , THE DISADVANTAGED IN USA , SIMILAR GROUPS IN USA IN JEOPARDY OF DEMOCRATIC DEFICITS, SUCH TOTAL
POPULATION OF SEGREGATEDU S AMERICAN WAS OVER 10 % OF TOTAL POPULATION OF APPROXIMATELY 300 MILLIONS, VS RICH, ELITES, POWERFULS, BILLIONAIRS ET AL, AS ANOTHER GROUP. ARE EXPANDING MANIFOLDS IN SEGREGATIONS. DEMOCRATIC LEADERSHIP RIGHTS WERE REDUCED TO ALMOST ZERO IN TRUEST STATISTICS. oBAMA AND HILLARY BELONGED TO SOME WHITER POWERFUL GROUPS . THE REV KAMAL KARNA SAID , NO OBAMA, NO HILLARY AS US PRESIDENT TO BE ELECTED AND A NEW FACE SHOUD BE DRAFTED AS MR/MS CLEAN TO BE CANDIDATES OR REPUBLICAN / DEMOCRATIC PARTIES TO BE ELECTED AT GENERAL ELECTION IN 2008 . IF AND WHEN ELECTIONS SHOULD BE HELD. DR ROY APPLIED IN U S FEDERAL COURTS AT VARIOUS COURT JURISDICTIONS TO POSTPONE THE GENERAL ELECTION OF NOV 2008 FOR ELECTION OF A US PRESIDEDENT IN USA FOR MULTIPLE VIOLATIONS IN THE ELECTORAL PROCESS.SEE FOLLOWING :AMENDED COMMENT :THE REVEREND DR KAMAL KARNA ROY AS ON 2.2. 2008 FILED A CIVIL RIGHTS ALLEGATION IN u s DISTRICT COURT FOR NEW JERSEY DISTRICT AT TRENTON N J, AGAINST ABOUT 300+ DEFENDANTS WHO WERE ENGAGED IN CAUSING PAIN, HARMS AND DEMOCRATIC DAMAGES LIKE PRE DEATH PAINS TO A U S PATRIOT FOR DENIAL OF DEMOCRATIC BENEFITS TO THE REVEREND DR ROY AS HE WAS AN ORDAINED CLERGY ON VOW OR POVERTY, I R S RULE, AND AS SUCH , HE REMAINED POOR MOST OF HIS LIFE, AND HE WAS A U S AMERIAN POOR, AND HE WAS A MEMBER OF WEAKER COMMUNITIES IN USA AND WAS A MEMBER OF MILLIONS OF HAVE_ NOT IN USA, ABOUT 10 % OF TOTAL U S POPULATION OR 300 MILLIONS IN U S.S , AS SUCH DR WAS VIRTUALLY LEFT OUT BY THE U S NEWS MEDIA AND NEWS MEDIA CONGLOMERATES , AS A CANDIDATE OF HIGH OFFICE AS U S PRESIDENT 2008 ELECTORAL COMPETITION & CAMPAIGN, FOR PURPOSE. hE THE RICH, POWERFUL,ELITES IN USA WERE COVERED IN NEWWS AND AGENTS /CANDIDATES OF HAVE_NOTS WERE LEFT OUT AS IF CANDIDATE VIZ DR KAMAL ROY WAS NOT A CONTESTANT. U S GOVT, FEC, WASHINGTON DC DID NOT LET THE NAMES OF CANDIDATES IN THE FIELD ADEOUATELY; tHE STATS IN USA DID NOT GIVE AID LIKE PUBLIC ASSISTANCE TO WEAKER CANDIDATES , SO SUH CANDIDATES FAILED TO GET FOCUSSED AS IF THEY BELONG AS CONTESTANTS. sTATE BOARD FAILED TO NOTIIFY DATES OF PRIMARY ELECTIONS PRPOSED BY THEM , AS LAWS REQUIRED. sIMILARLYHILLARY , OBAMA GOT FREE PUBLICITY VIZ HILLARY’S DAUGHTER CHELSEA CLINTON, HER HUSBAND BILL CLINTON RECEIVED PUBLICITY FREE OF COST TO PROJECT HILLARY WHO WAS TRYING TO GRAB LEADERSHIP AS A FIRST TIME WOMAN TO GET ELETED AS U S PRESIDENT 2008 BUT THE MEDIA FELL SHY TO PROJECT A MEMBER OF THE HAVE_NOTS. aS SUCH ELECTION WAS IN PROGRESS IN INEQUITABLE SITUATION. DR ROY AS SUCH FILED ANOTHER PETITION FOR VIOLATIONS WERE DETECTED IN THE JURISDICTION TO A RELIEF TO POSTPONE U S PRESIDENTIAL ELECTION 2009. aN ACTION SIMILAR, WAS EARLER FILED WITH USD COURT, N D OF CALIFORNIA , SAN FRNCISCO DIVN AS VIOLATIONS WERE FOUND IN THE JURISDICTION. AS DR ROY IS A CANDIDATE IN THE JURISDICTION AND USA GOVT WAS COMMON PARTY AS A DEFENDANT, PRORATA CLAIM WAS PERMISSIBLE UNDER CURRENT LAS FOR SOME WHAT VARIOUS DEGEE OF VIOLATIONS IN DIVERSE JURISDICTION, DR ROY IS MBA (M S DEGREE FROM SUNY MARITIME OLLEGE,NEW YORK CITY ,1974,COLLEGE ID 578804399, HE HAD PH, D IN MANAGEMENT, DOCTORATE IN RELIGIONS:HAS LL. B (LAWS) FROM ACCREDITED FOREIGN SCHOOL. hE HAD ADVANCED DIPLOMA IN PUBLIC ADMN , FROM U S D A GRADUATA=E SCHOOL, WASHINGTON DC , 1972; BUT HE WASBEING FOOLED IN DEMOCRATIC ELECTION, THE SAID ELECTION WAS LIKE A DOG_FIGHT ,KAMAL WROTE IN COURT ACTION, WHEREIN SELECTED DOGS OF POWERFUL OWNERS OF THE ANIMALS WERE ALLOWED TO THE FIGHT WITH DIFFERENT DEGREES OF DEMOCRATIC PROIVILEGES. sO DR ROY PRAYED TO POSTPONE NOV 2008 ELCTION, UNTIL COUT DECIDED COURT ACTION AGAINT DEFENDANTS FOR DAMAGES AND KAMAL’S RIGHT TO BE ELECTED AT FUTURE PRESIDENTIAL CONTEST FOR REPLACED AND POSTPPONED NOV 2008 U S PRESIDENTIAL ELECTION … THE REVEREND MS LISA N R ALSTON, R.N (NURSING,NY STATE, BA HON, M.D (RELIGIOND0 EXECUTIE OFFICER & SECRETATAR & THE REVEREND MS GARGI LAHIRI , ASST. TREASURER, ELECTION COMMITTEE TO ELECT THE REV Y DR KAMAL ROY ELECTION COMMITTEE 2008 ( APPROVED BY CANDIDATE ROY ON 2. 3 .AS AMENDED COMMENMT, BUT CIVIL COMPLAINTS WAS LEGALLY & DULY FILED WITH THE NOTED COURT ON 2. 2. 2008. REGARDS AND THANKS TO ALL FOR TAKING A DEMOCRATIC EVENT AS IS I JUNGLE DEMOCRATIC CONDITION IN US ELECTION AND CAMPAIGN WHERIN U S ANTI TRUST LAWS PROHIBITING ANY COMPETITION WITH INDUSTRIAL PRODUCES, BUT IN THE DISGUISE OF FREE PRESS THE NEWS MEDIA AND NEWS CONGLOMERATES VIZ THE ASSOCIATED PRESS, USA, CNN USA, THE NEW YORK TIMES, NEW YORK, NEWS CORP OF RUPERT MURDOCH AS CHIEF EXECUTIVE ETC, ET AL AS NAMED AS DEFENDANTS IN THE ACTION AND INCLUDING U S AMERICAN GOD/S OF RELIGIONSAS HUMAN_ANIMALS CONCEIVED AND CUSTOM_MADE GOD/S OF ALL RELIGIONS FAILED TO OVERSEE PAINS AND DAMAGES OF DR KAMA K K ROYSUFFERING DENIAL OF EQUITABLE RIGHTS TO CONTEST ELECTION POOR OR RICH, HAVE_NOTS AND ELITES IN USA., ACTION WAS TITLED AND PROPOSED AS ASSOCIATION OF COMMITTEE TO ELECT THE REV DR KAMAL K K ROY AKA J G JR BY KAMAL ROY PRO SE FOR SELF AND FINCIALLY STARVING 120 + UNINCORPORATED LAWFUL ASSOCIATIONS OF USA (DR ROY BY FIRST AMENDMENT OF US CONSTITUTION IS LAWFULLY PERMITTED TO ASSOCIATE AND ACT FOR SELF AND ASSOCIATIONS EVEN BEING A POOR AND MEMBER OF HAVE-NOTS AND DISADVANTAGED PEOPLE IN USA AND FOR PLAINTIFFS V. PEOPLES ASSOCIATION OF FOLLOWERS OF CONCEPTS THAT HUMAN ANIMALS CONCEOIVED GOD/S OF RELIGIONS AND SUCH CUSTOM MADE GOD/S OF DEMOCRATIC ENTITIES, WE THE PEOPLE IN GENERAL RESPONSIBLE FOR ACTSOF SUCH MAN_MADE GOD/S ; THE LIMITED SUCCESS AND DEFICITS OF SUCH GOD/S IN DEMOCRATIC SURVIVAL WITH EQUITIES FOR ALL AS DESIGNED..ETC .. DEFENDANT # 1 . DEFENDANT # 2 USA GOVT, WASHINGTON DC ET AL , 300 + DEFENDANTS. gOOD LUCK TO ALL IN FAILING DEMOCRACY IN USA WITH STRUGGLE BY WE THE PEOPLE TO REGENERATE, SOONER THE BETTER. ASSTS TO DR , THE REV KAMAL K K ROY AKA J G JR A REPUBLIAN CANDIDATE OF NEXT U S PRESIDENT 1008 OR ONWARDS.
NEW SEGREGATION IN u s OF AMERICA: POWERFULS VS POWERELESS, WEAKER PEOPLE , DISADVANTAGED IN USA ET AL; ?
REVEREND, KAMAL KARNA KARUNA ROY SID PUBLICLY ON SUPER TUESDAY OF PRIMAMARIES, AT A SRANAC LAKE, NEW YORK TO HIS VOLUNTTEE EXECUTIVE ASSISTANTS IN THE ELECT KAMAL ROY ELECTION COMMITTEE,ON 2.5. 2008, THAT NEWER SEGREGATION PATTERNS IN U S AMERICAN DEMOCRACY, THE SEGREGATION BETWEEN OLD BLACK AMERIC V WHITE USA IS REDUCING SOME RELEVANCE FOR WHITER BLAKS IN USA VIZ oBAMA, A CANDIDATE , BUT STAUCH SEGREGATION IN BETWEEN POORS IN U S AMERICA, HAVE_NOTS IN USA , THE DISADVANTAGED IN USA , SIMILAR GROUPS IN USA IN JEOPARDY OF DEMOCRATIC DEFICITS, SUCH TOTAL
POPULATION OF SEGREGATEDU S AMERICAN WAS OVER 10 % OF TOTAL POPULATION OF APPROXIMATELY 300 MILLIONS, VS RICH, ELITES, POWERF

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