admin answers:

You have low self esteem. Find yourself a hobby, take courses to polish up your skills and find a job, that will help you improve your self esteem. Find dresses that can complement and flatter your body. Most of all stop nagging. He is your ex now, don’t stress yourself thinking about him. Gaining weight is not a major problem, major problem is losing weight. Eat healthy, do exercise, you will get back your body, and your ex will see how beautiful you are.

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A sage green color ,satin finish paint on the aluminum siding and high gloss black trim and shutters Will really update the house but not so modern that it will look out of place with the style .Definitely invest in some window boxes those windows are perfect for them think about them filled with red geraniums with the new paint It’ll be just adorable

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I’d do the top portion of the wood in a dark brown and the bottom part in a lighter shade. It will add warmth where it is cool now. If I were you, Id go to a paint store and bring home a lot of samples -hold them up and see what jumps out at you. Keep in mind that the color is a cool shade now which strikes me as cold and may you also. Any shade that adds warmth will have a yellow undertone. I think with the white brick you need the warmth. As for the brown-I think it would not only add warmth but a natural look which you could build on when you landscape the yard.

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I won’t be able to sleep tonight because I am so upset with your landlord. I am a landlady, and I have to tell you I keep my places rented by making my tenants happy. They have to feel comfortable and have nice outdoor spaces.

I planted some moss, in lieu of grass for one of my tenants, she wanted something to be barefoot on. There is a large variety…this web site will give you an idea. It grows together nicely…

Http://www.stepables.com/

Get a rake and clear an area to start your moss. Formulate a picture in your mind and try to draw it out on paper as a guideline for what you are imagining. You can buy some big pots and place them in strategic areas to help define each area. Just keep the rock on a path…you may have to bring in some dirt, to build up the soil. If I were there I would help you…lol.

Get a bird bath, a table and chairs with an umbrella. The rock can stay under that.

I guess what I am trying to say is make the best of it. Move the rocks around with the rake to give yourself a nice outdoor space.

In one of the small spaces, plant an herb garden…you can just go out and pick some chives, or thyme to cook with and that in itself is fun…

Good Luck

An added thought…get some of those solar lights to help define your mini areas that you create.

admin answers:

If you sell with short sale you will still owe the money. You will still have to pay back the difference to the lender in the form of a deficiency judgment. Watch out. You should consult a real estate atty because a realtor will tell you anything and will cut the price in half just to get the property sold and you will be stuck paying the difference. Have you talked ot the lender? Can you rework your loan payments?

admin answers:

1. It only makes sense to accept the short sale if they think the value of the house and your offer are close. If they think they can get more if the property forecloses, then they will foreclose.

2. They get tax breaks and/or insurance money. Before the bail out they also had an incentive to get rid of these properties before it got foreclosed on.

admin answers:

Buying a property via short sale could be time consuming. For some reason the banks are not responding in a timely manner. I consider a timely manner withing 72 hours of the offer being submitted. As I understand it once you have submitted an offer there could be anywhere from a week to 2-3 months before an answer is received.

Yo appear to have the horse before the cart. You indicated you did not want a back breaking mortgage, which would indicate you did not have a pre-approval/pre-qualified letter from a mortgage banker or broker.

Buying a house is a step by step process, this is the first step you should take in order to purchase a house. The rest of the steps will fall in place, no matter the type of property you are purchasing.

In order to find out the type of loan programs you are qualified for you will have to fill out a loan application, with a mortgage broker, which you can find one in your local telephone book.

Make sure this mortgage broker or mortgage banker is able to do government loans such as FHA and VA loans if you qualify for one. With a VA mortgage loan you are not required to have a down payment, this will save you on closing cost.

He will fill out this application, which takes awhile so grab your favorite beverage and sit down. Once you have completed the application, he will run your credit report which will have your credit scores. These credit scores will determine your interest rate.

The amount of your monthly debt payments you are required to pay as per your credit report and the amount of mortgage you can take on based on your income will determine the amount of house you will be able to purchase.

When you speak with the mortgage broker you will need the following documents to complete the loan application, there will be others, but this will get you started.

#1 One month of pay stubs for each person that will be on the mortgage.

#2 Six months bank statements from each bank in which you bank as well as statements from any 401K from you place of employment.

#3 Two years of federal income tax along with the W-2 that match.

Once he has all that he need to do he can then issue you a pre-approval letter so you can purchase a home. In this pre-approval letter will be the amount of house you are qualified to purchased.

Once he gives you this pre-approval you may now find a real estate agent to find yourself a home or he might have a referral.

Now make sure before you get your pre-approval you and your mortgage broker go over all your options as to the mortgage programs you qualify for, the interest rate, monthly payments.

If you are getting a FHA, fixed rate, two loans to eliminate PMI like an 80/20 or one loan, if you are qualified for and approved for a 100% loan.

You should select the loan that best suit your financial condition at the time. That could be an adjustable rate loan. It could be a fixed rate loan for 5 or 10 years and then adjust. Some adjustable rate mortgages only adjust once.

Make sure your mortgage broker explain all your options so you may make an intelligent decision.

What might be good for one person might not be good for you, in other words just because your friends and all your real estate buddies are telling you about the great fixed rate they got, your financial situation might call for something else.

So select the best option for you and your financial situation.

You should also get a Good Faith Estimate (GFE) which will indicate the cost you will have to pay for getting this loan. It will also indicate the amount of your down payment.

Once you have found a home the real estate agent will then prepare a contract for you and the seller to sign.

Your mortgage broker will now order an appraisal to show proof of the property value.

The mortgage broker might ask for additional information or documentation, don’t get all up tight this is normal, just supply the information or find the documents needed.

After the appraisal has been completed you will be called by your mortgage broker to sign your loan docs so you can take possession of your new home.

Before signing any loan docs make sure they say exactly what you and your mortgage broker went over when you decided on what mortgage program was best for you.

I hope this has been of some benefit to you, good luck

“FIGHT ON”

admin answers:

Usually banks have them in their webpage. Look for houses own by the bank.

Http://realestatecenter.bankofamerica.com/pages/map-search

admin answers:

Dear Ashley..

U should contact State bank of India branch in whichever country ur in..they will solve all ur queries.

For real estate

http://www.indianrealestateforum.com/commercial-real-estate/t-investment-opportunities-for-foreigners-1620.html

also visit..icicidirect.com

also write to or call Indias best financial adviser

Subhash Lakhotia

#S 228
Greater Kailash II
Delhi – 110048
Landmark: Near Batra Hospital
Phone: +91-11-29215434, +91-11-29217768

admin answers:

Best way in India is on TV and local language newspapers. Rope in a small or big celebrity depending on your ad budget, and make a campaign. Internet ADs are also useful now and cheaper. Get some pros to help you on that too.

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Dear Sir:
In Grupo AHUARQ we specialize in the development of customizable construction investments and all related to the urban and rural property service in Argentina.
Here you have a presentation of our group http://ahuarq.com/grupoahuarqi.pdf
This is our web page http://ahuarq.com
This is a part of the projects we have http://ahuarq.com/dmdp.pdf
This is the video of our city where we have some of the investments http://ahuarq.com/mdpvideo.htm
This are 2 financial schemes of 2 different projects, for you to see how it works. Http://ahuarq.com/FinancialIng.xls http://ahuarq.com/FinancialIng2.xls
Please fell free to ask me anything you might need.
I am awaiting to your response.

Best Regards,
Mr. Matias Marino.

Http://ahuarq.com

matiasmarino@ahuarq.com
mobile phone 005492235213422

admin answers:

Real Estate companies in Hyderabad – http://www.jantareview.com/category.php?category=11&city=Hyderabad&pg=Real+Estate

You can also post your real estate classified here – http://www.jantareview.com/classified.php?city=Hyderabad&pg=Classifieds

admin answers:

Determine your price. Have your title company or attorney lined up. Line up a couple of lenders to qualify buyers. Get the proper disclosures and have offers to purchase available. Make sure you have plats or surveys available. You might want to have an inspection done. Go ahead and take care of any issues the inspector finds. Make the inspection report available. Declutter. Get rid of all the personal stuff like all the kids photos. Rent a storage building if you have too. Take care of any work to the house that needs to be done. Make sure landscaping is in good shape and house has best curb appeal possible. Advertise it everywhere you can think of. Keep it in showing condition at all times. Do not make viewings difficult. You will need to be readily accessible and available to show.

Risks: You shoulder all of the liability. If you check lawsuits involving real estate, most are FSBO (can’t remember the actual stat). If you have 2 sides who don’t know what they are doing, someone is going to get mad and feel they have been wronged.

Be very very careful when showing the house. It’s sad to say but the criminal element is targeting homes for sale. REALTORS are being lured to homes to show to people they have never met and are being killed, raped and robbed. Criminals will see the house then come back later, break in and clean it out. A couple will come to the house. Then they split up. While you are showing to one of them the other cleans out jewelry boxes and medicine cabinets. So be sure you know who you are showing it too. If you get a bad feeling, trust it. REALTORS can have the potential buyers meet at their office where the staff or others will see them. Some offices make it a policy to get a copy of the buyers drivers license prior to showing homes to them. If they have ulterior motives they will normally not agree to meeting in public. You don’t have that option.

Be prepared to list it with a REALTOR. 3 out of 4 FSBO’s list their home after 3 months of trying to do it themselves.

admin answers:

1st – does your home have curb appeal? This means that the house you now live in must a good look for drive buyers – the always check out the outside by driving by 1st.

2nd – Place an add in your local paper or via and Internet site.

3rd – Be ready to show your house when you don’t want too. When you sell yourself be ready for people to just drive by and see it then knock at your door.

Good luck!

admin answers:

I do FSBO, as an investor, I end up better off….I sell a little lower than market value and sell very fast….It really depends on your market too…I am in a decent market, homes are still selling….Right now I have a property I am going to list, FSBO, you can advertise in your local paper, craigslist, and zillows…One last thing, I always go to open homes, to check out the competition, make sure your home is spotless clean, I mean floors, windows, bathrooms and kitchens….One thing I always notice and turn off any potential buyer is a home that is dirty, you would be surprised how many buyers pick up on this, and get turned off by it, make sure your home is spotless and even consider having a professional stager, stage it for you….Best of luck…

admin answers:

Yes. You have no idea what the finances of the buyer are. Maybe they have enough money to buy this house before there house is sold. Maybe they plan to rent there house out. I own three houses and two of them are rented. There could be alot of possibilities but right now we are just guessing.

admin answers:

There are investments such as Bulk Pre-Construction Investing that can make you and your investors lots of money. If you are trying to put your homes with your investors I would have to know more about both of them. If your homes are homes for investors (built in equity) than you have something to work with. If not, then you just need to work with your investors and find a company that will pay you for your referrals. This is possible and legal. Please let me know if you would like to know more. I deal with everything from flipping houses, subject to, short sales, foreclosure, etc so let me know.

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You can get a private loan. Those are available in every city. Going rate today of apx 18%. That sounds high but they know you can’t get the money anywhere else. The loan will be secured by the property so your idea won’t work.

admin answers:

Are you looking at REIT stocks? If so there are many to look at but New Century has a nice fat divy that almost yields 20%, although I expect it to be cut near future with the mortgage slowdown.

admin answers:

I’ve included a link to the Colorado Real Estate Manual. Chapter 3 (page 3) talks about what can be legally done and what cannot and what to call it. If you read it, it may help.

If you want to pursue this, I recommend you talk to a real estate attorney and see if there is any legal way to get paid.

admin answers:

OK -

I’m going to make an assumption that you have saved up some money, and that you live in a middle class lifestyle. But I’ll also assume that you’re going to travel alone, and do not want to stay in a hostel….

First, let’s assume that you find a bargain room on Manhattan Island. The cheapest I’ve heard of acceptable places to stay costing is $200/night. (And I’d expect to spend more in the central tourist districts.)

Second, I’ll spend a little more money on food than Rachel Ray does, and assume you’ll spend around $50/day there.

Third, tourist attractions in NYC add up to a lot of money. But it makes more sense to visit the neighborhoods (such as Greenwich Village, Chinatown, and even Brooklyn Heights) on some days, walking around and exploring. So I’ll budget another $40/day there.

Fourth, I’ll budget $10/day for mass transit. (You’ll want to look up the price of MTA’s weekly passes – that will save you some serious money, and make things more convenient for you.)

So far, I believe that we’ve budgeted $300/day – $4,200 for two weeks. That number can go up quite a bit if you buy a lot of expensive Tchotchkes (a New York word that few spell right, but almost everyone knows). You’ll also note that I have not included any money for “Broadway” shows, or concerts – New York prices for theater and musical perfoemances are some of the highest in the world, and London (from what I’ve been told) in this area may be a bargain in compatison.

There are some very good ways to cut my cost figures and make NYC an affordable trip. First, find someone to share the lodging with. That’ll cut your major cost in half. Next, do not eat in the touristy areas of town. Instead, go into an ethnic neighborhood – Flushing has a large Asian community, and you can eat well for a small amount of money. If you want Italian food, stay away from Manhattan’s “Little Italy” and go up to Arthur Avenue in the Bronx. But ask around for ideas – most New Yorkers have good ideas of where to eat cheap and well…. (Be careful of people who equate quantity of food with the quality of food.)

If you can find a way to stay in a good hotel in the outer boroughs near a subway station, you might be able to save some big money. But, being a New Yorker, I’d be very leery of telling someone coming to New York on their first time as an adult, to stay in the outer boroughs before exploring them on a first visit…. The quality varies too much to take a chance. (Read all the reviews you can from the major sites – and try to avoid places with an AAA rating of less than 2 diamonds.)

Good Luck!!!!

admin answers:

If a company ask for money up front then you can bet its a scam!

admin answers:

Check it out here. It’s an excellent site with some wonderful options for you. It will definitely help you. Have a lookhttp://www.parttimejobs81.blogspot.com

admin answers:

I would say that unless the amount is very large cash may be the cheapest especially if you already have a UK bank account, however the amount may make this rather more risky as cash is easily stolen. With a transfer you may incur charges both from the French bank and your UK one.

admin answers:

I have one here in Utah. Very sacrificial, but satisfying. I just began a Farm&Ranch management class through our college, so I can better manage the profit&costs. Its hard work with little return except to live the American dream! My family is envious, because they understand the tiny pay per hour, hence the fresh air,child raising perfection,simple life&prestige of Gods work. My children have taken over almost all the available pasture now with their cows,bought through low interest government,4H child loans, but pay us for our alfalfa. We are planting another field this year. We provide for our 7 horses with our own Alfalfa too. You need minimum 90 acres for just 20 cows.Are you happily married? It sure takes 2 to make it work.

admin answers:

Maybe this link will help? I hope you are able to sell it to the prospective buyers.

Http://www.ehow.com/how_4423897_sell-house-privately.html

admin answers:

Have you checked real estate listings for other parts of the country? If you did, you might find the same thing, even in really small areas or towns.

admin answers:

1 problem is the very low success rate on converting short sales into closed transactions. A short sale does not have anything to do with the time to close, and a typical short sale can take 6 months to a year from acceptance to closing. Most buyers do not want to deal with that nonsense. I do not understand why it takes lenders so long to get to the closing table on these, but that is a reality.

I have clients that submitted an offer on a short sale 7 days ago, nothing back yet from the lender. The house has been on the market 400 days. Yes, 400 days, and we made a decent offer. Again, not unusual.

So, that is the big difference, having the patience to wait out the process. Buying most homes outside of short sale can close in 45 days.

admin answers:

Sure as long as it doesn’t bite me or sit on me.

admin answers:

1.) I don’t text message, but i don’t know what I texted my mom of out of state 2 months ago.
2.) My fluffy futon white tiger couch.
3.) I am indeed enjoying this questionaire.
4.) I am middle classed still in medical school and will be rich after i have my masters degree in nursing.
5.) I think the second link to the blonde haired lady – she looks like she is pretty fit – way more than the other two.
6.) My first name is Andrea. The color of the sky can vary depending on what angle the earth’s axis is sitting on. It can range from rich sky blue, pastel light sky blue, midnight blue, cerulean blue and traditional medium blue.
7.)Blackberry preserves – I hate jelly but love blackberry preserbes or jam.
8.) I am a medical transcriptionist and I am in nursing school and just graduated from pre-pharmacy school.
9.) She looks better brunette – but the cut she has with the brunette is too short.
10.) Medium to light brown.
11.) No, blondes, brunettes and red heads get the rich guys. Although there are statistically more rich brunettes than there are blondes in the USA.
12.) The letters are n a k k e d LOL
13.) My favorite restaurant is Red Lobster and Don Pablos
14.) Because I am bored and you told me I could answer all of these questions.
15.) A shoe string or a shoe fly.
16.) Yep, I love trigonometry mixed with Advanced Biological Chemistry, but Physics is a little on the hard side. Quantum Physics can be accomplished with 2 other study partners though for me.
17.) I don’t watch soap operas. My TV is usually off. Its like its this box that can be turned on but nevergets used. I might watch 1 hour of tv every 24 hours but that is if im lucky.
18.) My house is an adobe spanish style cream colored block house with a textured burnt orange spanish style roof, with tile flooring in the living room with a matching rug, the kitchen is medium sized with Chorian counter tops, my two bathrooms are tiled with an ok vanity, and it has 4 bedrooms and a study.
19.)20Q scientifically stands for artificial intelligence of asking a maximum of 20 questions upon the brink of curiosity. If something doesn’t say 20Q, then questions would not pour out from total curiousity about a topic.
20.) A sour puss!

admin answers:

Darling. I understand that you can feel that way despite the fact that you are really, truly beautiful. I had similar problem when I was young like you and I can tell you it’s not about outer, physical beauty or ugliness at all. It’s about something inside you that you’re projecting onto your physical appearance. You have to be honest with yourself in order to find out what it is and work on it. That’s the only way to become happy. With your image and your life in general. Good luck:)

admin answers:

I think the Peruvian looks like a great, proud dog. The puppies are pretty cute as well. Them not having hair doesn’t really bother me, but I can’t afford one either

admin answers:

You signed a contract with a lawyer and paid him. It is his money. Period. Bankrupcy court will not stop you from filing. Period. The moment the house is sold in forclosure, you are out. Period

admin answers:

Vacated; refile.

Lifted- pick up where it left off.

admin answers:

A foreclosure will affect your credit rating in a big way, but bankruptcy will affect it longer and to a much greater extent. The new bankruptcy laws allow you to file Chaper 7 instead of 13 if you pass a test that shows you do not have the assets or ability to pay your unsecured creditors. I am not an attorney, but have recently gone through bankruptcy and now foreclosure.

I strongly recommend that you go to a non-profit website called hummingbirdcreditcounseling.org. They are approved for most federal bankruptcy districts. Take the first counseling session. You can take it annonomously and it is free. It will go over all alternatives – pros and cons – for your situation. If you end up filing for bankruptcy I recommend you use hummingbird for your required counseling.

I understand that now if you go chapter 7 and make more than the average income in your area, you are required to be audited by a CPA. My trustee was very thorough & the process, although very professional, was grueling – much worse than an IRS audit.

Chapter 13 would have been rough for me. It was much more expensive – like having the court and your attorney babysit you for 3 years.

IF you decide to consider bankruptcy, be sure to hire an attorney, and one that specializes in bankruptcy. I bought a book and the information/instructions were very different than what my attorney did. It was difficult for me to come up with the attorney fees (they want payment before filing because attorney fees can be included in bankruptcy), but worth every cent!

The court looks very carefully at your expenses for 90 days prior to filing. Be sure to not charge anything during that period. I owed a small balance from opurchases within 90 days of filing. My attorney said the bank would not fight it due to the small amount. They did & we had to settle with that bank.

They also look carefully at hiding assets and giving away stuff, especially one year prior to filing. Don’t play games with the bankruptcy court. Honesty will get you the fresh start that the law was intended to give, if you really need it. Deception will get your case thrown out with a possibility of criminal prosecution. And you WILL get caught.

Now on credit recovery? With foreclosure some mortgage banks will work with you after a couple of years, but you’ll likely pay a higher interest rate because you will be a higher risk. Pretty much the same is true with bankruptcy. Mortgage banks allow letters of explanation as a part of he underwriting process.

I got a credit card right away from a bank that was not listed in the bankruptcy. I had an excellent credit rating for years prior to the bankruptcy. After a couple of years some banks will give you a credit card with a decent rate. Many banks, especially the ones that carry retail store specialty cards, will categorically turn you down for any credit if you have anything negative on your credit rating. Foreclosure and other negatives are on the ratings for seven years. Bankruptcy stays on for ten years. Also, anytime you apply for a car or house loan, you may have to tell them about the bankruptcy on the application – after ten years.

But having a great credit rating isn’t everything. I blew thousands of dollars in savings making minimum payments, in an effort to preserve my credit rating. I also bought a house that was a lot more than I could afford, using “creative” financing, which is both expensive and risky.

admin answers:

They do deserve more than that. This is what happens when people start wars that they can’t afford.

admin answers:

Taste of termite for eat. Termite taste like nut it have too much wood for eat. House is bad if taste like nut.

admin answers:

There’s no straight answer to your question.

If the attack begins from several mature colonies then significant damage can be done in way less than one year.

If the damage begins with two termites starting a new colony, then it may be 3 years before they eat enough to be detectable, but sometimes you won’t detect them for about 7 years.

The best thing is to get a building inspected every year or so as that way they can be found before too much damage happens.

admin answers:

No damage is irreparable, but it doesn’t take long.

Termites like to eat, sleep, reproduce and repeat. They can be in your house for a while before you even suspect that you’ve been invaded. That makes it hard to put a timeline on it.

However, they like to play their termite games in peace. They like their food (the wood) to be nice and moist. If your house is ideal, they’ll compromise the structural integrity of the house in under a year, depending upon their rate of reproduction.

Terminix has a series of funny commercials with more info about termites. Follow the link to the list. The ones labeled “Begonias” and “Mail” are the termite spots.

admin answers:

LOL chante..evidently someone isnt trusting only thier opinion…or they wouldn’t be asking for help here…Termites can be had without visually seeing them…If you are finding prior rotted areas..is there any signs of fresh sawdust under them? If so then they are still there….There are also some bees called carpenter bees that bore in wood as well..do you see any big black and yellow fuzzy bees flying around? Alot of exterminators will also for free check it out and let you know..make sure who you call that there are no hidden charges etc..