Found these little buggers while demoing a building

joelski · 2012-05-26T05:15:47.554571+00:00

Put your safety glasses back on!!

dc8291 · 2012-05-26T05:09:35.122418+00:00

Happy Birthday Tigger! My cat Lump turned 15 today.

dallashoosier · 2012-05-26T04:56:44.571430+00:00

Every time I've been in a yoga class with "not the regular instructor," it's been exactly who I needed and I've heard exactly what I needed from him/her.

MREpooper · 2012-05-26T04:49:44.524718+00:00

Clean workout towel every time? Something to keep hair out of face while exercising?

leber · 2012-05-26T04:43:37.804428+00:00

Ha!

Just do your best and forget the rest. Try to keep up with Pam. Ignore Dom.

Serenity--Now · 2012-05-26T04:37:37.687012+00:00

EyeBuyDirect.com. You can afford glasses to go with outfits if you like over there.

saMAN101 · 2012-05-26T04:32:25.315042+00:00

Just buy some copies of Primal Blueprint and hand them out.

novadoll · 2012-05-26T04:25:59.925018+00:00

In the doctors' defense, many of her obvious medical problems can be caused by being overweight.

However, somebody should have tried to figure out what was wrong with her metabolism if she wasn't losing weight on 800 cal/day.

allenizabeth · 2012-05-26T04:22:11.286033+00:00

Good on you. You'll be laughing at Paula Deen and her Fresh Berry Cakes for years.

enrac · 2012-05-26T03:22:27.876216+00:00

It is becoming more common here in Southern Nevada. In fact my broker recommends sending it along with purchase offers without being asked, particularly if it's an FHA mortgage.

sugarsmith113 · 2012-05-25T23:53:20.639624+00:00

"Unless you are actually running a brothel, yes"

3sgtejeff · 2012-05-25T23:39:19.549992+00:00

How bad a navigator do you have to be to need 2 astro-droids on the same vehicle?

paul_E_D · 2012-05-25T18:02:50.942531+00:00

How nice that you have equity to take out!

I have a feeling you've heard this before, but mortgage officers want to see that you're going to have income to pay back the loan. For someone self employed, it's not out of line to average 2 years of income. So the "obvious" solution is to make sure your business is profitable in 2012 and try to refi next year. I realize this may not be possible and in fact might be why you're looking to cash out your equity.

josefonseca · 1 day

Oh no! Apple knows that I tried to find out where area code 989 was yesterday!!!! Panic!!

godbois · 1 day

"I'll even sell your house to a foreign guy"? What?

ggk1 · 1 day

Calculated Risk is my favorite as well. Every now and again I end up on Naked Capitalism. Of course I keep track economic news via CNN and USA Today.

Locally, I read the paper, my broker keeps an excellent blog, and I write a weekly market report based on MLS data.

andreaamazon · 2 days

The hard part is getting both 'bells into position.

bmaharg · 2 days

Deficiency isn't based on market value. It's based on what is owed. For example let's say for the sake of simplicity that you owe $400,000 on a home that's now only worth $300,000. You decide to stop paying rather than arrange a short sale. The bank sells the place for $200,000. The deficiency is $400,000 - $200,000 = $200,000. That's the amount that the bank ended up being "deficient."

You need help evaluating your options. A lawyer can explain how this law applies to you, and can evaluate whether a bankruptcy or a short sale is a valid alternative. You should also see if there are local resources to help you either save your home or get a short sale rolling. If your job involves a security clearance, for heavens sake do anything but let the bank foreclose. You'll lose your clearance. If you go with a short sale, start now and make sure you close by the end of the year, or you might end up owing taxes on any money the bank forgives (consult your tax expert for more details).

faqall · 2 days

Total Wine is cheaper than Lee's, but a longer drive.

misnamed · 2 days

You might want to get the FHA's Condo Pitfalls paper. You are going to have a hard time financing this unit, and even if you are a cash buyer, that may impact your ability to sell it someday.

wiggleyeah · 3 days

There are two issues: the deed and the loan. Assuming you are on decent terms with your ex, you can get him off the deed by filing a quitclaim. You will both need to sit down with a notary to sign off on the document, and then you will need to file the document with the county for a fee.

As for the loan, the ONLY way to get him off the loan is to get a new loan. Have you looked into the HARP 2.0 underwater refinance program?

And I know you didn't ask, but you may want to know this at some point in the future. If you decide to sell this place and his name is still on the deed, you will need to get his signature on all the listing paperwork, and pretty much every document involved in selling the place. If he's being disagreeable about signing a quitclaim, just imagine that nightmare. You can get court orders requiring him to go along all you like, but nothing can stop him from dragging his feet or coming up with imaginary errors that must be fixed before he will consider signing.

rahtin · 3 days

Whoa whoa back up. It sounds like you want to default on a place you say you just bought. There is a lot more to this story, isn't there? And if so, that's more of a lawyer question than a Reddit question.

Otherwise this discrepancy sounds like something your title company (or real estate lawyer if you are in an "attorney closing" state) can fix quickly. Contact the person who handled your closing.

elvisliveson · 3 days

Let's strap Mitt to the car roof and see how he likes the ride.

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