When I first bought the property it seemed like a great idea , it was different back then when I bought it(11 years). We’ve tried multiple times to refinance our property but was rejected, sometimes we would get letters claiming that they would try to "Help us" but everytime we’ve called to discuss our situation , it all ends in the same outcome , we don’t qualify. My wife filed bankrupsy years ago , and it has just been getting worse and harder to keep up with the bills. I’m retired(used to build houses,landscaping etc) and its hard to find a job , my wife is the only one who works(Manager at crackerbarrel) and my kids have jobs too. It is really killing us , our morgage is 700 a month and the property was priced at 65K when I first made the down payment 11 years ago , it included 10 acres a mobile home and a modular home. Were going to end up losing our property if we don’t find any alternatives to refinance or get out of our predicament. I can’t even get my teeth fixed because of it I’ve been sick for years because I was thinking of the children and our situation(I have had many pulled). I’ve looked at sites with homes for sale and it just makes me sick comparing the interest rate of properties(100k house with lower interest rates than ours) and I don’t understand why we can’t refinance our property. All the letters they’ve sent us stating that they could help us is just a saftey measure to cover they’re backs and it just ticks me off. Can you please tell me of any alternative companies to finance with or any way to get out of our situation. I would most appreciate all the help I can recieve. Thank you.

Technorati Tags: 11 years, bankrupsy, crackerbarrel, homes for sale, interest rate, interest rates, job, jobs, mobile home, modular home, morgage, multiple times, predicament, teeth

Since the US is bleeding jobs (thank you NAFTA, Clinton, and the dems) (sorry Clinton’s policy, Emanuel pushed for it) Do you think the American car manufactures should bring all those jobs that were shipped to Mexico, Canada, and India back home?
Thoughts please.

Technorati Tags: american car, emanuel, home thoughts, india, jobs, mexico canada

Do you think when imports suddenly become way more expensive due to the collapse of our (US) currency and The World’s unwillingness to loan U.S. any more money (finance the National Debt), it will result in invigorating our domestic manufacturing and service industries?

Important jobs like mule-breeder (for agriculture) & farm hands, Iceman (when cap&trade eliminates electricity), train conductor when everyone must use mass transit because nobody can afford gasoline any more, and of course Bread Line Monitor because large crowds require security personnel. And don’t forget prison guards. The prison growth industry has a very bright future.

Technorati Tags: agriculture, amp farm, bread line, bright future, collapse, electricity, farm hands, gasoline, jobs, large crowds, line monitor, mass transit, money, national debt, prison guards, security personnel, train conductor, us currency

I am a single mother of 2 and work 2 jobs but no matter how hard I work I still cant meet all the bills after car payments, insurance, food, daycare, utilities, etc. My fathers name is on this as a cosigner and I can rent a place bigger than my home for almost half of what I pay for my mortgage so this is why I am asking. My ex-husband (who also doesnt pay child support and the state isnt doing anything about it) ruined my credit so refinancing is not an option for me either (plus the fact that I owe WAY much more than it is worth). So, is forfieting it better for me? Will it ruin my fathers credit too right? What would you do in my situation? Thank you so much in advance!

Technorati Tags: car payments, child support, cosigner, fathers name, insurance, insurance food, jobs, mortgage, refinancing, single mother

Greed?
Collapse of world trade centers?
Outsourcing of jobs?
Buying mainly foreign?
Gas prices?
Poor business practices in variable rate home loans without forgiveness?
Conspiracies?
Love of may grown cold?
Personal debt such as credit cards?
& would you agree there are plenty of things to go around… people willing to work & provide services if jobs existed… people willing to attain education if available… schools with openings for students if finances available… plenty of houses… plenty of food… plenty of manufactured goods… plenty of everything except money, cash, denaro, dollars, coinage, liquid funds… but everything else, plenty of? Plenty of resources, Plenty of water, minerals, land to farm, air to breath… etc.?
What do you say? Is it merely a dollar shortage, or how is the whole thing as you see it, in layman’s terms? & can it be corrected by proper reorganization in a way which can benefit the greater good of the people?
Can thinking outside of the box & coming up with new & creative solutions benefit the greater good of the people in any way at all? If possible, what or who will be the greatest opposed?
The reason I ask, is because good communication creates good solutions… please discuss.
Thank you.

Technorati Tags: amp, collapse, conspiracies, creative solutions, credit cards, forgiveness, gas prices, greed, jobs, layman, liquid funds, money cash, personal debt, poor business practices, rate home loans, reorganization, thinking outside of the box, variable rate, water minerals, world trade centers

I just read this article:

http://finance.yahoo.com/family-home/article/107535/volt-vs-prius-which-wil-be-cheaper-to-drive??mod=family-autos

If some people are worried about electricity charges regarding the 230 mpg Chrysler Volt why don’t they harness solar power? They state a consumers electricity bill may rise by 1 in a year.

I’m amazed most manufactures havent harnessed the power of solar energy, its free and clean…and do away with combustion all together. I mean may lose jobs but this needed change may also lead to more jobs.

Technorati Tags: chrysler, combustion, consumers, electricity bill, electricity charges, family autos, home article, jobs, mpg, prius, solar energy, solar power, volt, yahoo

When my hubby and i bought our car, the car dealer found a bank to finance us. is buying a home the same way? Or do we have to hire someone else to help find someone to finance us? Its a manufactured home were talking about getting. And can the land and home be financed together? another question is, do you always have to put a down payment down? we didnt on the car.
Were young (18 &19) but we have good credit, our own appartment, own car(newly financed 2007 model), and a capitolone credit card. We have good jobs and have been working full time since 16. I didnt want an extravagent home, just one 20,000-40,000$. its going to be a starter home so I dont want to spend too much. Ive been looking at Actual homes to but cant seem to find any i like.
No we shopped around for the car. shopped for a few months actually. I thought we got a good deal. apr-8%. monthly payments 426 but thats including gap insurance and financed for 5 years only.

Technorati Tags: amp, buying a home, capitolone credit card, car dealer, full time, gap, gap insurance, hubby, insurance, jobs, manufactured home, own car

My interest rate is 17.5% and my mortgage payment and lot rent is so hard to keep up with. I have never been 30 days late. But I don't want the house anymore and really don't care about my credit either. Does anyone know what will happen if I just stop making the payments and let the house go into foreclosure? If my husband and I both have jobs paying us under the table, will they be able to garnish our wages still? Any advice would help. Like I said i don't want the house, it depreciates it value, and I owe about ,000 more than it is actually worth, so there is no sense in selling it or refinancing because no one will buy something that isn't worh the money they have to pay for it.
Trust me, I know about my credit. I work in the mortgage industry. And I can't help myself get a better loan. I owe ,000 on this house, and after FIVE YEARS, I still owe ,000. It is only worthg maybe ,000. How can I sell this house? There are 30 or so homes in the community that are for sale. They are bigger, look better, and are selling for a lot less. Like I said, I have never been 30 days late thinking I can save my credit, but I give up and will seek help from family members with getting into another house. I know about still having to owe the difference, but if I have no money they can't take it from me right?

Technorati Tags: family members, foreclosure, interest rate, jobs, money, mortgage industry, mortgage payment, wages