The Politcal Arena/ For us or against us either way?

Mar 142011
 

I keep on watching and hoping for some kind of compromise, or well thought out way to care for our nation. I have studied the issues and watched the Senate. I hear the comments “Somethings got to give”, “Entitlements must go”, “obvious and provable corruption” at least at the level of campaign contributions, in the voices of a few senators, I hear the heartfelt and murderous statements of many, I see that we are all probably taking part in a process in which one way OR the other we ALLwill probably be duped. Of course we must get out of debt. No one denies that. So who is going to stand up and say, you know this is partly my fault, so I am going to quit taking money under the table, and support the programs which give the best support to our people AND the budget. No where do I hear a humble voice, saying maybe the people have a few ideas we could use, as this Is their country, except for a very few Democrats, unless they are born of total hysterical and senseless anger. I am a bit discouraged at this point, because it isn’t dying that scares me. If I don’t do it to myself, I will go in peace. It is living that is difficult. We the living must edure, hopefully with joy and happiness. I am tired of the banners of the parties waving in my face. I want to have a life to live. That is why it has always been important to me to be a citizen of the country our forefathers left to us. I’ve worked since I was 9 years old babysitting to buy my own school lunches and clothes. When I was old enough for a real job I started paying taxes along with everyone else. while other kids were given the things they needed.  I have done everything from bagging groceries to in home care for the elderly and disabled. I am in a position now in which I need help. I feel sucker punched! I raised 4 children without a dime of government money and sacrificed plenty. I sent my kids to school with home made biscuits and cornstarch jam sandwiches for thier lunch, and hand me down clothes, and was dragged through interrogation of my motherhood by the school because my husband and I didn’t believe our kids should have lunch on taxpayer dollars. We all made it. I am still proceeding by the “skin of my teeth”.My deceased husband was a laboratory technician, trained in the Navy, and after two and a half hitches found out it was a supplemental wage job. Now THAT was a real crime huh? The accusation “if you can’t feed em, don’t breed em” , was with me long before it was stated here. But we did our level best with what we could do, and had unfortunate and rude surprizes, as do many.  Did I whine and complain? H— no! I went by the statement “Use it up, wear it out, Make it do or do without!” The meals I cooked were less than yummy a lot, and still are. Wouldn’t I love a menu in which I could actually buy ALL the ingredients I need. But I do not take what is not due to me. I am happy to have enough to get by. I don’t want to depend on anyone except myself, but at this stage, when I can no longer do physical labor, I need help. So crucify me. Just hurry up about it?Who wants to endure more nausea from stress than I ever had with four preganancies? Who wants to be kicked in the teeth for tireless service from my family, while my husband served our country? People these days feel persecuted if they don’t get to have an I POD. I wouldn’t know how to use one, because it is totally out of my budget, as is school, medical care, and a decent diet. Whoop and holler all you want, in whatever direction you want. WE are responsible for what happens to every soul who lives in the US. I paid in just as everyone else. Want to nail me to a cross because I’m old and disabled? That would be a typical ignorant of what IS happening in our government action. LOOK HARD AT EVERYONE!!!!!!!!!!!!!!!!!!!!!!!!!!! Isn’t it possible that this hornets nest was stirred up, just to get our attention diverted long enough to make slaves out of all of us, outside of party, and inside of GREED? How much of our legislation is bought and paid for, instead of initiated by public awareness? This could be the LAST wake up call. I am not as angry as I am just plain tired, after 60 plus years. What about you?

New to this, looking foward to great results

Mar 082011
 

Hi Everyone,

 

I am really new to this credit board, but this will be the third and final time that I have cleaned up my credit since 2003. 

I was telling my co-worker about being denied for my first ever mortgage loan due to poor to low credit scoring, and he recommended this site to me.  It has already been soooooooo helpful. 

 

Each and everytime that I cleared my score, I contacted my creditors or the CA to settle the accounts.  The problem that I am having this time is that some of the accounts of old have remained.  The Date opened was 10/99 and DOLA 05/2003, I think this was when it was picked up by a CA.  The SOL for florida for open accounts or signed contracts is 5 and 4 years. 

 

Some accounts were paid this year through my credit union, where they allowed me to take a short-term loan to settle accounts for a lessor amount if the CA agreed to do so.  I am just finding out about the PFDs, those would have been great for those three accounts paid in January. 

 

My score is 517 and in order to barely qualify through a first time home buyer program it has to be 620 so here I go again cleaning my credit for something that is worth and valuable and will be of great benefit to me and my family- disabled mother and brother getting back on his feet.

 

I will be sending PFDs to all remaining creditors to see what we can work out.  I plan to have all of these paid down or off  within the next 60-90 days.  How fast does credit scoring move up or down?

 

There is one account from 2010 that I contacted the CA to settle the account its full balance is 1007, they offered a settlement amount of  $705 due within 30 days, that I  did not mind paying if I could but 30 days was an impossible amount for me to pay in that short of a time period.  I do not mind paying the whole $1007 but I need more than 30 days.  Is a PDF worth sending to this CA?

 

I have questions about getting SOL items off of my report as well.

 

Thanks for all advice and help.  I have done this before on my own without the help and the items stayed on my report and I do not want to make the same mistakes. If I cna have them removed altogether that works even better for me.

 

I am determined to get my house this year and no later than July 1.

 

Thanks everyone :)

Great Things

Family Credit Management mistake

Feb 212011
 

Good morning, I have had a recently discovered issue.  We’ve been using Family Credit Management for 4 years now.  They’ve done a good job so far – until apparantly last year around June.  Last March dh had a lay off for one month and this led to us being one month behind to FCM.  They were handling 3 creditors at the time (when we started we had 11 creditors under them!).  The three were Target, Chase, and Sams. 

 

We worked closely with FCM and got caught back up inside of 8 weeks (including the missing pymt, so we were ‘all’ caught up then).  That was approx June by then.

 

We went along like normal all year after that, and I didn’t have anymore late payments to FCM which meant (or so we thought) the 3 they were managing were getting their pymts on time too.  Part of what happened is my fault, but part of it I believe is someone else’s – I need opinions please.  What happened was a week ago I pulled our FICO scores from this site as well as ordered us each the 2 reports available from here.  I was SHOCKED to see that Target has been consistently reporting us as being 60 days late every single month since June.  It appears as if we’ve been behind on every month by 60 days!  But we were paying FCM and thought all things were good.

 

Naturally I called FCM and said WTH?  We utilize this company in order to prevent this type of issue.  I’m so frustrated right now.   So she takes a look at it and basically scratches her own head and says she needed to call Target to see what happened.  Then she calls back and explains that the guy she spoke to did say that our account was ‘supposed’ to get re-aged after the make up payments were made back in May/June timeframe but that *HE* didn’t even know why it hadn’t happened so he said he’s going to ‘fix’ it now.  Here’s the kicker — he said he’s only going to be able to make repairs back to November.  So that will mean that every month from June-October will still reflect the 60 day late thing!  Thats five months!

 

I told the FCM CS that was not right since we believed to of been caught up (we never deal with Target and only with them) as we stayed in constant contact with them and was caught up inside of 8 weeks – so we had no reason to think anythiing was wrong.  I mean, we would of happily paid anything Target wanted us to, if only we would of KNOWN about it.  Also, the other two – Sams and Chase- had no lates marked out on them.

 

So, the part where I accept blame is this:  we no longer get paper statements from Target and around a year ago something happened with our online log in for Target so I haven’t been logging in since I didn’t have the new PW.  Thats my fault completely.  Had I been either logging in or getting paper statements then I would of seen that we were 60s late every single month.  Our reports also clearly show all other payments are completely on time and haven’t had any lates in 3 years (even back then it was only one 30 day one) until you suddenly see all these red marks from June to present as all 60 days lates for Target.

 

I’m really frustrated and it seems FCM doesn’t wish to accept any of this on themselve or want to really work too hard to help us get these wiped off Target’s reports.  Sigh.  What can I do?  Thanks, Lisa

By 1 measure, federal taxes lowest since 1950 ( Hog – Wash )

Feb 072011
 

What a crock of hog wash!

 

I got laid off and to be able to better market myself in todays job market, I went to school last year while collecting unemployment. My income from unemployment benefit was about 19,800 for 2010. In order to support myself I needed every cent for rent and food, I filed for chapter 7 bankruptcy and got rid of all payments other than food, rent and utilities.

 

They wanted to take $120 in taxes out of $360 weekly benefit, which there was no way I could have lived on supporting myself and a kid too. I filed for food stamps but apparently I make too much gross per week income to be eligible for assistance, so I declined for the taxes to be taken out of my unemployment benefits.

 

I have graduated from school and got certified as a medical assistant, still unemployed and on the last leg of the unemployment. Paying $650 a month for rent for me and my son, about $400 a month for food for two, and about $300 for utilities and yes I am barely scraping by.

 

I was doing the Turbo Tax and almost got all the way through and after all the deductions, there was not a lot for unemployed person collecting unemployment benefits. I have to pay almost $2,000 in taxes??????

 

So, do I wait until the IRS to lock me up for not paying the taxes which I can’t pay due to no-income? Or, should I be buying a gun and start robbing other richer people like some people seem to be doing? IRS or tax collectors don’t seem to give a **bleep** about anyone but them selves, so what are the options for the people like me stuck right in the middle. I just saw some Mexican people buying food at a local store, I was disgusted! Here I am buying all generic and stuff on sale and with a coupons, this family of five were buying about $400 worth of good food with food stamps. I am a US Citizen and these people were not. I kindly asked them some questions and they were nice enough to answer, they purchase this amount of food every week, and they receive about $1,200 a month in food + $300 in cash assistance, and they both have a job where they make in excess of $2,400 a month, they own a car and an suv and they live in a house.

 

So, why do I feel like Uncle Sam is bending me over and slapping my monkey?

GW Letter to EOS CCA

Jan 262011
 

I am sending this GW letter after fully paying my balance. I just wanted to get your thoughts on it. Also is this a type of letter that I sign?

Thanks!

 

 

1/24/2011

 Regarding Account No. xxxxxxx

 

EOS-CCA

xxxxxxxxxxx

xxxxxxx

 

 To Whom It May Concern:

 

I am writing to you concerning a collection enacted against me. The collection was for an outstanding payment to AT&T Mobility. I moved around a lot and did not have a permanent address until 4/2010. For whatever reason, I did not receive a bill they mailed me for $xxx. It was only once I discovered this collection on a credit report did I realize that I owed a balance which I promptly paid in full on 1/5/2011.

 

I am writing asking you to delete this negative information from my credit history. I have a stable income from a full time job and would have easily paid my balance if I had known about it. I have never been late paying any bill, credit card, or loan and, other than this collection, my credit history is excellent.  Honestly, I feel a little silly having a negative mark on my credit report for such a relatively small amount of money.

 

I am shopping for a home mortgage and negative reports such as this may preclude me from receiving a good interest rate or even qualifying for a loan at all. Since this past collection does not reflect my current ability to pay my balances on time I am asking you to please ask the credit agencies to delete it from my record. Since this collection will be removed from my history in a few years anyway, I am kindly asking you to erase it just a little earlier. I know that you are under no such obligation to do so, but I am begging you to show some goodwill and help assist my family and me in our search for a good home. Please let me know if any additional documentation would assist in reaching a positive outcome, and I than you again for the time you have spent reading this letter.

 

Sincerely,

 

Name

Address

Phone

Email

Blackballed

Jan 152011
 

Hello everyone, recently completed a short sale and now Greentree is wanting money from the shortage. They were the 2nd on the loan and were shorted $54,000.00 but are willing to accept cash payment of $13,500.00 which is a respectable offer and I would like to pay that more than ever. I elected to move back in to my rental property during the short sale process,which I am grateful to have had that option. Now the property in which my family and I reside has a tax assessed value of $186,500.00 and I currently owe $140,000.00, and I cannot find ANY lender willing to loan me $13,500.00 because I missed 12 payments in a row (on the house that I had to short sale)during the short sale process. Does anyone have any suggestions??? 

Central San Diego Real Estate Market – Mid Year Snapshot Of Median Prices (2006) – Single Family Homes

Dec 022010
 

Central San Diego Real Estate Market – Mid Year Snapshot of Median Prices (2006) – Single Family Homes

As of this writing, the San Diego real estate markets appears to have shifted from one that favors sellers to one that favors buyers. However, this premise may not hold true for all communities within San Diego, as median prices for some communities continue to rise while others fall.

While there are many metrics to evaluate the real estate pricing trends of a community, one commonly used parameter is to evaluate the median price of homes from one point in time against a prior point of time. The median price reflects the point at which half the homes are above a particular price point, and half the homes are below a particular price point. The median price metric provides one method to analyze the direction of home prices, but should not be used as the sole source of data from which to form conclusions.

The data below is a comparison of median prices for various communities in central San Diego County, comparing data from June 2005 against data for June 2006. This information is only one metric at a particular point in time, and other metrics or data from future months may support or dispute the pricing trends noted below. For some of the San Diego communities presented below, very few homes sold during June 2006, which diminishes the usefulness of the median price metric.

COMMUNITIES WITH INCREASES IN MEDIAN PRICE – SINGLE FAMILY HOMES – JUNE 2006

The data below pertains only to the sales of single-family homes, and does not include condominiums or townhomes. The data is organized by the magnitude of change in median price, with the highest change in median price presented first.

For the Coronado real estate market, the median price was ,775,000, which represents a 14.7% increase from the same time last year. Approximately 15 homes sold in June 2006 (21 homes sold in June 2005).

For the Point Loma real estate market, the median price was ,024,068, which represents an 11.4% increase from the same time last year. Approximately 20 homes sold in June 2006 (14 homes sold in June 2005).

For the University City (UTC) real estate market, the median price was 0,000, which represents a 10.6% increase from the same time last year. Approximately 5 homes sold in June 2006 (19 homes sold in June 2005).

For the La Jolla real estate market, the median price was ,692,500, which represents a 10.3% increase from the same time last year. Approximately 28 homes sold in June 2006 (38 homes sold in June 2005).

For the Logan Heights real estate market, the median price was 5,000, which represents a 7.6% increase from the same time last year. Approximately 13 homes sold in June 2006 (14 homes sold in June 2005).

For the Paradise Hills real estate market, the median price was 7,500, which represents a 5.7% increase from the same time last year. Approximately 8 homes sold in June 2006 (16 homes sold in June 2005).

For the Mission Hills real estate market, the median price was 7,500, which represents a 3.1% increase from the same time last year. Approximately 11 homes sold in June 2006 (12 homes sold in June 2005).

For the Scripps Ranch (Scripps Miramar) real estate market, the median price was 9,250, which represents a 2.8% increase from the same time last year. Approximately 34 homes sold this month (43 homes sold in June 2005).

For the San Carlos real estate market, the median price was 3,000, which represents a 2.4% increase from the same time last year. Approximately 12 homes sold in June 2006 (16 homes sold in June 2005).

For the Del Cerro real estate market, the median price was 7,500, which represents a 2.1% increase from the same time last year. Approximately 13 homes sold in June 2006 (30 homes sold in June 2005).

For the Normal Heights real estate market, the median price was 6,250, which represents a 1.7% increase from the same time last year. Approximately 20 homes sold in June 2006 (19 homes sold in June 2005).

COMMUNITIES WITH DECREASES IN MEDIAN PRICE – SINGLE FAMILY HOMES – JUNE 2006

The data below pertains only to the sales of single-family homes, and does not include condominiums or townhomes. The data is organized by the magnitude of change in median price, with the highest change in median price presented first.

For the Old Town real estate market, the median price was 0,000, which was a 19.1% decline from the same time last year. Approximately 5 homes sold in June 2006 (14 homes sold in June 2005).

For the Golden Hill real estate market, the median price was 1,000, which was a 16.4% decline from the same time last year.

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What banks can finance a single family residence under 600 square feet?

Nov 262010
 


What banks can finance a single family residence under 600 square feet?

It really doesn’t pay to work hard in Entitlement America

Nov 222010
 

In Entitlement America, The Head Of A Household Of Four Making Minimum Wage Has More Disposable Income Than A Family Making $60,000 A Year

 

 

Middle class ain’t what it’s cracked up to be.

 

 

Unbelievable,

 

A one-parent family of three making $14,500 a year (minimum wage) has more disposable income than a family making $60,000 a year.” And that excludes benefits from Supplemental Security Income disability checks. America is now a country which punishes those middle-class people who not only try to work hard, but avoid scamming the system. Not surprisingly, it is not only the richest and most audacious thieves that prosper – it is also the penny scammers at the very bottom of the economic ladder that rip off the middle class each and every day, courtesy of the world’s most generous entitlement system.

 

It’s even worse if that $60K earner pays their own healthcare.

 

http://zmarter.com/finances-opinions/in-entitlement-america-the-head-of-a-household-of-four-making-minimum-wage-has-more-disposable-income-than-a-family-making-$60000-a-year.html

 

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