Cheap Bunkbed Info Cheap Homeowner Insurance
Not too long ago you could have your choice of dozens of companies willing to sell you cheap homeowner insurance (http://cheap-insurance-rates.com/home/miami.cfm). It would just seem logical that you need to get insurance for all of the … read more…
Homeowners Insurance Questions » Blog Archive » Do insurance …
What home owners ins. accepts rotties? I have two; should I tell my insurance? is it discrimination for an home owner’s insurance company? What are the homeowners insurance rates like in Florida? Is there a rental insurance landlord can … read more…
Citizens Property Insurance Corporation Raises New Questions
As a tangential issue to this, the state based property insurance company, Citizens Property Insurance Corp, plans to request insurance rate hikes from the state insurance commissioners. Sources say that Crist is looking to grant these … For instance, if you live in a flood-prone state, it would be foolhardy to operate on the assumption that your homeowners insurance covers flood damage, because by and large this is not the case. Likewise, if you live in a state where … read more…
From Google Blog Search
How to know if your getting a fair shake by your insurance company
I know most homeowners have never had to deal with the insurance world. Its tough. Home insurance claims can be really tough because most homeowners have no clue what to look for or how the insurance … read more…
New Loan Modification Guidelines: The Standard Waterfall
It used to be a prelude to foreclosure when a homeowner fell behind on the mortgage payment. Lenders had no consistent set of guidelines on what to do when a borrower defaults, so they usually tacked … read more…
An Overview of Mortgages
Mortgages have been much in the news with the vilification of the ARM (adjustable rate mortgage) and the foreclosure crisis. To make a good choice of mortgage, you must have a good working knowledge o… read more…
From GoArticles.com
Homeowners Insurance Rates – How to Get The Cheapest
Due to the increasing numbers of hurricanes, storms, and floods, home insurance rates have gone through the roof. This video shows you how to get cheap homeowners insurance rates with a top company.
Open Question: what homeowners will obama help with his stimulus package?
being that my career, for 26 years, has been the CEO and president of a national real estate consultation and brokerage/trade/investment company, i know a LOT about mortgages. without looking at a book, i could, this minute, tell you of at least 13 different types of mortgages, but there are more, many more.
are any of you homeowners out there that have gotten the bank foreclosure notice also believers in the economic stimulus package that president obama promised to give to you to help you keep your home and to help you work so you can keep it? (did you really believe that his “change” was going to help you)?
please tell me, if you face foreclosure and you voted for obama for president, what factors of his promises made you vote for him? did you believe he could fix your problems? how so?
this is an article that will show you all, both homeowners not in trouble and homeowners in trouble, precisely WHO obama will help refinance his house, that house that the democrats told you to buy when you could not afford it to begin with:
http://www.vote.com/mmp_printerfriendly.php?id=1399
i.e., for years and years on end, i watched some of my agent’s clients take on a 36% housing expense ratio (using 36% of their gross income per month to pay for the principal, interest, taxes, and insurance/assessments on a mortgage for a home, a/k/a “the PITI of a mortgage”) which i felt was too high, but they got through until their incomes rose so that it became a lower percentage of their gross income per month in order to buy a house with either no money down or with a very low down payment, but they are not facing foreclosure right now because they bought in the time period of the historical cycle of seller’s and buyers markets. that is this: 2 years of a seller’s market followed by 5 years of a buyer’s market, again and again and again. but now, prices rose for 8 straight years!
now, so many properties that were purchased by those of you that could not afford them from 2000 through 2008 are on the [foreclosure price] market right now, blocks and blocks of them as you walk down a street, boarded up so that squatters do not loot them to further erode their price (a/k/a “value”). and it makes me sick that you believed with your hearts that you could afford them by your working 2 to 3 jobs at one time.
lenders are now beginning to hold auctions of theses overpriced homes for those that can buy them with a 20% down payment–but you could not come up with that, could you? the mess all began in the democrat clinton’s administration, but many of you out there blame it on bush.
did you really believe that mr. obama would help you keep your house?
if you read the current news, you will find out that numerous banks that got a handout of billions and billions of dollars just before bush left office and obama was sworn in are going to repay their debt because they used that bailout money as investment capital on other investment vehicles than real estate in america, making all of it back by now, so quickly, because they don’t like the “strings” that obama has attached to that money, for instance, a cap on bank executives’ income. actually, they should have used it to refinance your loan if you face foreclosure, perhaps into a 100 year or more fixed rate mortgage, but they did not. they were not held accountable for what they did with our money.
and so i want to know, do you believe that mr. obama and his democratic congress are out to protect your interests? will the stimulus package that can “change” it all give you a job right NOW that will provide you with a gross income per month that will support your monthly payment of the PITI of a mortgage on that house that you bought, overpriced and under funded, up to only 31% of your gross monthly income? when will you get that job? will you get it after you lose your house? then what will you think of mr. obama’s “change?”
are you angry that obama’s stimulus package is actually going to put you out on the street? or do you still believe that he will “change” your life for the better?
who is the “we” that can and will help YOU?
again, read this. you will hear more of it in the media on TV in the next week or so:
http://www.vote.com/mmp_printerfriendly.php?id=1399
Voting Question: Financial Decision Making?
1. Real Property is NOT: (1 point)
attached to the ground
often mortgaged
taxed
capable of being moved
2. When a large value item or asset is sold voluntarily, it could be called what? (1 point)
foreclosed
repossessed
liquidated
auctioned
3. If you break an automobile or apartment rental lease before the contract expires, you could be subject to what? (1 point)
prepayment penalty
early termination penalty
finances charges
higher interest rates
4. When you begin paying a 30-year loan, what part of the loan are you paying first? (1 point)
equity
interest
principal
assets
5. If you don’t own your residence, what kind of insurance do you need? (1 point)
Homeowners insurance
Supplemental insurance
Renters insurance
Private Mortgage insurance
6. What are expenses like telephone, electricity and natural gas called? (1 point)
assessment expenses
utility expenses
luxuries
budget items
7. Insurance approval and evidence of coverage is required to get a mortgage. (1 point)
True
False
8. When you rent your residence, taxes are paid as part of your rent payment. (1 point)
True
False
9. When you pay finance charges, or interest payments on your first home the amount is deducted from your federal income tax. (1 point)
True
False
10. What are good reasons for buying/mortgaging a home? (1 point)
to build equity as savings
you expect to reside in the same area for a long time
your credit is established and you can get a very low interest rate
your income is high enough to claim a deduction on your income tax
all of the above
Resolved Question: Just a little help on homework!!!!!!!?
1. Real Property is NOT: (1 point)
attached to the ground
often mortgaged
taxed
capable of being moved
2. When a large value item or asset is sold voluntarily, it could be called what? (1 point)
foreclosed
repossessed
liquidated
auctioned
3. If you break an automobile or apartment rental lease before the contract expires, you could be subject to what? (1 point)
prepayment penalty
early termination penalty
finances charges
higher interest rates
4. When you begin paying a 30-year loan, what part of the loan are you paying first? (1 point)
equity
interest
principal
assets
5. If you don’t own your residence, what kind of insurance do you need? (1 point)
Homeowners insurance
Supplemental insurance
Renters insurance
Private Mortgage insurance
6. What are expenses like telephone, electricity and natural gas called? (1 point)
assessment expenses
utility expenses
luxuries
budget items
7. Insurance approval and evidence of coverage is required to get a mortgage. (1 point)
True
False
8. When you rent your residence, taxes are paid as part of your rent payment. (1 point)
True
False
9. When you pay finance charges, or interest payments on your first home the amount is deducted from your federal income tax. (1 point)
True
False
10. What are good reasons for buying/mortgaging a home? (1 point)
to build equity as savings
you expect to reside in the same area for a long time
your credit is established and you can get a very low interest rate
your income is high enough to claim a deduction on your income tax
all of the above
Low Cost Homeowner Insurance Rates — Tips For Discounts
Posted by ozzyx via delicious
GUSTAV: Insurance-rate hikes rejected: The Mississippi Insurance Department has turned down homeowner-ins.. http://tinyurl.com/8ty3zd
Posted by mitchelltsai via gustav – Twitter Search
Best Georgia Homeowner’s Insurance Rate — I Hope You Didn’t Forget These Tips Posted By : Mercy Gabriel-Odimba
Posted by articlesnatch0 via Free Articles ArticleSnatch Article Directory: Finance
Homeowner Insurance Rate | Home Insurance Quotes Online
Posted by gregray via Lensroll Networking / What’s Rising
Compare Multiple Quotes and Find a Lower Homeowner’s Insurance Rate at Homeowners Insurance
Posted by hip10 via Techbargains.com
Recently Being Discussed on FriendFeed
Leave a comment