I believe that people should live within their means. I understand that the economy is in a shambles but people need to adjust with the signs of the economic times. However i didn't know that homeowners can stay in their for that long of a period of time. I think thats a humane gesture on the lending companies to not just put people on the street.
Great subject matter. I have found that the more I make the more I spend. It is tough to be frugal when the money is flowing in. I have my retirement plans in place but I like to spend the "extra" Payday.
Once a family starts it is tough to leave a job you hate to find your passion. Different story if you are single.
A good informative stuff and relevant in this turbulent period.People should know about the foreclosure rules and the tenure of stay after stopping paying mortgage which I am sure most people are confused about.
Having credit cards are great because it allows us to make instant purchases without having to pay for these items immediately. However, impulsive buyers have the tendency to abuse credit cards. Once the bills starts pouring in, their overspending cashes them back to reality. Eventually, they realize that their have to pay for what they have bought.
The benefits of having a credit card are the free things they give out to encourage the user to use that card. Credit Cards companies don't like to compete in lowering their interest rates, so instead they give out free things, which comes out a lot cheaper than lowering interest rates.
• There's a movement to radically change California government, by getting rid of career politicians and chopping their salaries in half. A group known as Citizens for California Reform wants to make the California legislature a part time time job, just like it was until 1966.
Cigar boxes are good too, depending on where you get them they can be free or cheap. And no, I'm not talking about the cheap cardboard ones (although they have their uses too) but the elegant looking ones are great.
Ohh my god!! i got the exact same email from this person advertising for an apartment in PARIS for 500 EURO. I was highly suspicious first of all because. ....DEAF and NIGERIA. A western union fraud specialist once told me NEVER to send money to a different country, then law enforcement in my country or the place of rent can not help.
Also, foolishly enough these people send me 2 emails, in the other one the age is mentioned to be 24 years! The same woman's name, everything else is IDENTICAL!! I googled her name and the first match was your blog.
I wish to thank you heartily and congratulations for not getting conned! :)
This location independent thing is exactly what I've been looking for - just didn't know the name for it! One thing I don't really understand though is how we would get taxed. Do we get taxed from our home country or the country that we are currently located in?
If that country did, in fact, find out we were working in their country without a working visa - wouldnt there be huge problems?
Please let me know how you go about it, any personal experience?
government is broke. Has been for years but they won't admit it. And they still hire. Amazing.
The local small city government near me is looking for $10M in credit to help meet payroll and pay it's bills. Yeah, more credit and debt will solve their problems. So they think.
I'm amazed how many people love the same stuff, but I'm going to say it again:
Goose down comforter-- saves a LOT on heating bill
Magic eraser pads, or actually the generic kind from 99c store or Dollartree
Greased Lightning cleaner--it says don't use on painted surfaces but I do anyway--it's the only product I've ever tried that will take grease right off.
My old IBM laptop which keeps going and going and going
After reading the long list of comments here I hate to butt in, but I need to share our story. We are in the category of thoes who are trying to modify our loan thru BoA due to a job loss. My husband lost his job in june 09 and at this point still has nothing.
His unemployment runs out in July 2010 and we have been going thru the modification process with BoA since Feb with no end in sight. We call on nearly a daily basis only to get the same response over and over, "Your loan is still under review..."
That Hope you hinted about from the BoA article is hopeLESS. They consistantly lose our paperwork every time we send them a fax and are ALWAYS told something different by different agents each time we call. I have had better customer service from the DMV then with them. At least the DMV tells the right hand what the left hand is doing.
I don't want to sit here with a sense of entitlement about getting my loan modified -- but we didn't get in under our heads either. When we moved in we had car loans, private school payments and of course the usual bills that come with purchasing a new home. with my husand losing his job (he was working in construction) last year we have come up against so many road blocks in every area. My son has no medical insurance and DSHS won't pay for it, we will go into Default in July and considering missing our payments to speed the process up with BoA. Because we are not in default and have not missed a payment so far, we are in the "no worry, no hurry" category at BoA.
So far it appears BoA is going to only offer us maybe a $250 discount on our mortgage. The Hope Program that Obama put into place must only happen to a very small percentage of people because saving $250 isn't enough to keep us in our home.
I don't want to default either - and we are not bursting at the seams. Just fell upon hard times. But there isn't anything we can do. We are at the Mercy of BoA who wasn't our lender in the first place. We were originally with Countrywide before that fell apart as everyone knows. Thankfully the unemployment has been enough so far to cover our payments with my income, but with that ending soon we are working on borrowwed time.
What do I do people?
What do you suggest?
I can't pay my mortgage, it won't sell because we are under water, I can't even afford or qualify for medical coverage for my son and husband, we can't rent it because our situation is similar to Paul's and my income won't cover our mortgage payments for even one month. We have no savings because BoA made us liquidate it because "having money in the bank gives the illusion that you can pay your mortgage" what a joke. That savings wouldn't have even covered 3 months worth of payments, but they don't even take THAT into consideration.
So while everyone sits here and reams one another about their situations, what do you suggest for us?? I have 2 months to make a decision and right now the timing from BoA doesn't look like it'll happen or with a lower payment that we can afford.
We have little choice but to default or foreclose. My hope is that maybe someone on here will have a recommendation aside from Judging me and my situation. Yes, I get it, my husband needs a job. Tell me something else I havne't been stressing about over the last 9 months. Just please consider what you might think about those going thru the modification program. We should be the type of people who qualify for this program, but even us who have been and are still being responsible are being hit and hit hard. It doesn't matter if you have a great credit rating it means nothing to the big heavies holding my mortgage.
Has anyone out there had luck with You Walk Away?? Considering doing that because it provides more services then a lawyer.
Thank you people and thank you paul for being able to tell your story about how horrible CitiBank is. Just know BoA is about 100% worse due to how many people are on the wait list with them.
What great tips! This will encourage us all to give up those pesky ethics as just a big drag on our finances. I mean, why be self-sufficiently frugal when you can con others. I especially like the tips to steal things from others - sweeeeet....
Really - anyone who takes most of these seriously is a fool.
While searching for an appartment in Berlin I jumped into this same Veronica Regalado, that offers her house for 200 €, plus 300 € deposit. Her story seemed a bit weared to me, so I asked her for pictures abour her house, details of means of transport nearby, how to get the keys. She sent me the pictures but they altogether form a flat of more square meters than what is announced, and some seem to have been collected from different sources (web pages...).
What troubled me most was that she asked for the money before sending the key of her house.
After reading on the forum about the Nigerian fake, I have realized that the person announcing under the name Veronica Regalado is lying. Beware of this address
Online data storage is important to those people who wants to save their important data so they use these services for that purpose. I am using RockVPS services for web hosting. They have a lot of plans to meet customer requirements. Many great features, please visit <a href="http://www.rockvps.com">http://www.rockvps.com</a>
RockVPS, Inc is a web hosting provider built upon a zealous commitment to customers. RockVPS originally served the needs of individual webmasters and small businesses. Now, the business operates its own network and server facilities to handle customer growth and a broader range of service offerings.
Online data storage is important to those people who wants to save their important data so they use these services for that purpose. I am using RockVPS services for web hosting. They have a lot of plans to meet customer requirements. Many great features, please visit http://www.rockvps.com
RockVPS, Inc is a web hosting provider built upon a zealous commitment to customers. RockVPS originally served the needs of individual webmasters and small businesses. Now, the business operates its own network and server facilities to handle customer growth and a broader range of service offerings.
Online data storage is important to those people who wants to save their important data so they use these services for that purpose. I am using RockVPS services for web hosting. They have a lot of plans to meet customer requirements. Many great features, please visit http://www.rockvps.com
RockVPS, Inc is a web hosting provider built upon a zealous commitment to customers. RockVPS originally served the needs of individual webmasters and small businesses. Now, the business operates its own network and server facilities to handle customer growth and a broader range of service offerings.
I appreciate the information. My girlfriend and i both have home offices and this information will benefit both of us!!
I believe that people should live within their means. I understand that the economy is in a shambles but people need to adjust with the signs of the economic times. However i didn't know that homeowners can stay in their for that long of a period of time. I think thats a humane gesture on the lending companies to not just put people on the street.
These are excellent tips and i will definitely be using them when searching for a new apartment.
Well, saving 10% while at the same time paying 21% on a credit card is good?
Let's make this easy:
http://www.daveramsey.com/new/baby-steps/
Great subject matter. I have found that the more I make the more I spend. It is tough to be frugal when the money is flowing in. I have my retirement plans in place but I like to spend the "extra" Payday.
Once a family starts it is tough to leave a job you hate to find your passion. Different story if you are single.
A good informative stuff and relevant in this turbulent period.People should know about the foreclosure rules and the tenure of stay after stopping paying mortgage which I am sure most people are confused about.
Having credit cards are great because it allows us to make instant purchases without having to pay for these items immediately. However, impulsive buyers have the tendency to abuse credit cards. Once the bills starts pouring in, their overspending cashes them back to reality. Eventually, they realize that their have to pay for what they have bought.
The benefits of having a credit card are the free things they give out to encourage the user to use that card. Credit Cards companies don't like to compete in lowering their interest rates, so instead they give out free things, which comes out a lot cheaper than lowering interest rates.
• There's a movement to radically change California government, by getting rid of career politicians and chopping their salaries in half. A group known as Citizens for California Reform wants to make the California legislature a part time time job, just like it was until 1966.
<a href="www.onlineuniversalwork.com "
target=” www.onlineuniversalwork.com ">
www.onlineuniversalwork.com </a>
Cigar boxes are good too, depending on where you get them they can be free or cheap. And no, I'm not talking about the cheap cardboard ones (although they have their uses too) but the elegant looking ones are great.
Ohh my god!! i got the exact same email from this person advertising for an apartment in PARIS for 500 EURO. I was highly suspicious first of all because. ....DEAF and NIGERIA. A western union fraud specialist once told me NEVER to send money to a different country, then law enforcement in my country or the place of rent can not help.
Also, foolishly enough these people send me 2 emails, in the other one the age is mentioned to be 24 years! The same woman's name, everything else is IDENTICAL!! I googled her name and the first match was your blog.
I wish to thank you heartily and congratulations for not getting conned! :)
Make yourself a hat!
Hey Nora,
This location independent thing is exactly what I've been looking for - just didn't know the name for it! One thing I don't really understand though is how we would get taxed. Do we get taxed from our home country or the country that we are currently located in?
If that country did, in fact, find out we were working in their country without a working visa - wouldnt there be huge problems?
Please let me know how you go about it, any personal experience?
Thanks tons, I'm very interested!!
government is broke. Has been for years but they won't admit it. And they still hire. Amazing.
The local small city government near me is looking for $10M in credit to help meet payroll and pay it's bills. Yeah, more credit and debt will solve their problems. So they think.
why square pipe? why noy not round , it's easier to get hold of.
Prompted by this comment, I wrote a post on Finding Your Passion.
I'm amazed how many people love the same stuff, but I'm going to say it again:
Goose down comforter-- saves a LOT on heating bill
Magic eraser pads, or actually the generic kind from 99c store or Dollartree
Greased Lightning cleaner--it says don't use on painted surfaces but I do anyway--it's the only product I've ever tried that will take grease right off.
My old IBM laptop which keeps going and going and going
After reading the long list of comments here I hate to butt in, but I need to share our story. We are in the category of thoes who are trying to modify our loan thru BoA due to a job loss. My husband lost his job in june 09 and at this point still has nothing.
His unemployment runs out in July 2010 and we have been going thru the modification process with BoA since Feb with no end in sight. We call on nearly a daily basis only to get the same response over and over, "Your loan is still under review..."
That Hope you hinted about from the BoA article is hopeLESS. They consistantly lose our paperwork every time we send them a fax and are ALWAYS told something different by different agents each time we call. I have had better customer service from the DMV then with them. At least the DMV tells the right hand what the left hand is doing.
I don't want to sit here with a sense of entitlement about getting my loan modified -- but we didn't get in under our heads either. When we moved in we had car loans, private school payments and of course the usual bills that come with purchasing a new home. with my husand losing his job (he was working in construction) last year we have come up against so many road blocks in every area. My son has no medical insurance and DSHS won't pay for it, we will go into Default in July and considering missing our payments to speed the process up with BoA. Because we are not in default and have not missed a payment so far, we are in the "no worry, no hurry" category at BoA.
So far it appears BoA is going to only offer us maybe a $250 discount on our mortgage. The Hope Program that Obama put into place must only happen to a very small percentage of people because saving $250 isn't enough to keep us in our home.
I don't want to default either - and we are not bursting at the seams. Just fell upon hard times. But there isn't anything we can do. We are at the Mercy of BoA who wasn't our lender in the first place. We were originally with Countrywide before that fell apart as everyone knows. Thankfully the unemployment has been enough so far to cover our payments with my income, but with that ending soon we are working on borrowwed time.
What do I do people?
What do you suggest?
I can't pay my mortgage, it won't sell because we are under water, I can't even afford or qualify for medical coverage for my son and husband, we can't rent it because our situation is similar to Paul's and my income won't cover our mortgage payments for even one month. We have no savings because BoA made us liquidate it because "having money in the bank gives the illusion that you can pay your mortgage" what a joke. That savings wouldn't have even covered 3 months worth of payments, but they don't even take THAT into consideration.
So while everyone sits here and reams one another about their situations, what do you suggest for us?? I have 2 months to make a decision and right now the timing from BoA doesn't look like it'll happen or with a lower payment that we can afford.
We have little choice but to default or foreclose. My hope is that maybe someone on here will have a recommendation aside from Judging me and my situation. Yes, I get it, my husband needs a job. Tell me something else I havne't been stressing about over the last 9 months. Just please consider what you might think about those going thru the modification program. We should be the type of people who qualify for this program, but even us who have been and are still being responsible are being hit and hit hard. It doesn't matter if you have a great credit rating it means nothing to the big heavies holding my mortgage.
Has anyone out there had luck with You Walk Away?? Considering doing that because it provides more services then a lawyer.
Thank you people and thank you paul for being able to tell your story about how horrible CitiBank is. Just know BoA is about 100% worse due to how many people are on the wait list with them.
What great tips! This will encourage us all to give up those pesky ethics as just a big drag on our finances. I mean, why be self-sufficiently frugal when you can con others. I especially like the tips to steal things from others - sweeeeet....
Really - anyone who takes most of these seriously is a fool.
Hi
While searching for an appartment in Berlin I jumped into this same Veronica Regalado, that offers her house for 200 €, plus 300 € deposit. Her story seemed a bit weared to me, so I asked her for pictures abour her house, details of means of transport nearby, how to get the keys. She sent me the pictures but they altogether form a flat of more square meters than what is announced, and some seem to have been collected from different sources (web pages...).
What troubled me most was that she asked for the money before sending the key of her house.
After reading on the forum about the Nigerian fake, I have realized that the person announcing under the name Veronica Regalado is lying. Beware of this address
sis.vereg@gmail.com
whats the best way to get scratches out on modern warfare 2 xbox 360 disc. Anyone?
We still use rabbit ears but now they plug into our converter box.
Online data storage is important to those people who wants to save their important data so they use these services for that purpose. I am using RockVPS services for web hosting. They have a lot of plans to meet customer requirements. Many great features, please visit <a href="http://www.rockvps.com">http://www.rockvps.com</a>
RockVPS, Inc is a web hosting provider built upon a zealous commitment to customers. RockVPS originally served the needs of individual webmasters and small businesses. Now, the business operates its own network and server facilities to handle customer growth and a broader range of service offerings.
Online data storage is important to those people who wants to save their important data so they use these services for that purpose. I am using RockVPS services for web hosting. They have a lot of plans to meet customer requirements. Many great features, please visit http://www.rockvps.com
RockVPS, Inc is a web hosting provider built upon a zealous commitment to customers. RockVPS originally served the needs of individual webmasters and small businesses. Now, the business operates its own network and server facilities to handle customer growth and a broader range of service offerings.
Online data storage is important to those people who wants to save their important data so they use these services for that purpose. I am using RockVPS services for web hosting. They have a lot of plans to meet customer requirements. Many great features, please visit http://www.rockvps.com
RockVPS, Inc is a web hosting provider built upon a zealous commitment to customers. RockVPS originally served the needs of individual webmasters and small businesses. Now, the business operates its own network and server facilities to handle customer growth and a broader range of service offerings.