@jackinnj,
Good for you and the company that you had connections to the mrotgage
industry. I've read and heard about too many horror stories about the
mortgage flipping thing.
When most of us bought our houses you had to have 20 percent down
good credit, end of story. It used to be Lomas and Nettleton warehoused
all the mortgages. Then it all changed and you didn't need it or you could
build on it with less than 20 percent, greater than 35 percent Net Income,
and primary and secondary mortgage insurance.
Then as we all know it blew up. We are very lucky we didn't have a
world wide colllapse...we were very close more than people know.
I got lucky with mine and found a company that has never flipped a
mortgage. I don't know if it is funded by Perot or Kilby or Hunts
or someone but missed the problems.
@Richard and others.
There is nothing worse than being sick abroad. When in Thailand
on one of the long boat tours I drank a coke in the bag. This is a plastic
bag of crushed ice like a snow cone with a coke poured into it.
They insert a straw and seal the bag. Our guide freaked out
and told me NO NO No. Too late, inspite of being told the ice
was safe because it was filtered etc. NOT Revenge for the rest
of the time there and months later after returning back home.
Similar problems in europe too. On day two of extended buisiness
work in France...the chicken was raw.
It doesn't even matter any more if you just do bottled water. I've seen them
filling up the bottles at a grungy tap and placing new seal on the bottle.
Former Eastern block countries are a different story. If you are dining
and see that little bag of 20 peanuts on the table, don't eat them. They
will cost you 5 - 10 times the amount of your lunch or dinner.
Y'all have a great week. Let's live and enjoy it.
Now, if I can just keep my little girl out of the Dog's water dish
all will be good.
Good for you and the company that you had connections to the mrotgage
industry. I've read and heard about too many horror stories about the
mortgage flipping thing.
When most of us bought our houses you had to have 20 percent down
good credit, end of story. It used to be Lomas and Nettleton warehoused
all the mortgages. Then it all changed and you didn't need it or you could
build on it with less than 20 percent, greater than 35 percent Net Income,
and primary and secondary mortgage insurance.
Then as we all know it blew up. We are very lucky we didn't have a
world wide colllapse...we were very close more than people know.
I got lucky with mine and found a company that has never flipped a
mortgage. I don't know if it is funded by Perot or Kilby or Hunts
or someone but missed the problems.
@Richard and others.
There is nothing worse than being sick abroad. When in Thailand
on one of the long boat tours I drank a coke in the bag. This is a plastic
bag of crushed ice like a snow cone with a coke poured into it.
They insert a straw and seal the bag. Our guide freaked out
and told me NO NO No. Too late, inspite of being told the ice
was safe because it was filtered etc. NOT Revenge for the rest
of the time there and months later after returning back home.
Similar problems in europe too. On day two of extended buisiness
work in France...the chicken was raw.
It doesn't even matter any more if you just do bottled water. I've seen them
filling up the bottles at a grungy tap and placing new seal on the bottle.
Former Eastern block countries are a different story. If you are dining
and see that little bag of 20 peanuts on the table, don't eat them. They
will cost you 5 - 10 times the amount of your lunch or dinner.
Y'all have a great week. Let's live and enjoy it.
Now, if I can just keep my little girl out of the Dog's water dish
all will be good.
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Richard, I've always been attracted by the Colorado mountains. ...Or even better, Oregon.
Interesting in Georgia my 4 bedroom 2 bath house on 1/2 acre is taxed at 1/4 the rate in Dayton OH and 1/5 the rate of Cincinnati . OH Allowing that money to go to the 401k . In a town of 15000 we have 90 full time Police. Crime is not a problem and they allow 10 over on the speed limit. As for education state college is very cheap for those who study. 14St technical school for boy is good ( Georgia Tech). Weather is almost as good as Socal air better but the food not so much . Close but not the noise to the busiest airport can get anywhere so it a fine place to retire with good health care and low stress. As a side note Georgia does not tax retirement income so that a plus. Traffic is there but better than LA .
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It all depends.... for me, i have friends abroad who have warmed me about what not to eat. They can eat it because they have developed antibodies against the germs/bacteria. Going alone or with others who have not been there would be a risk. And, I have been going to the region for about 15 years... usually about 2 times a year. So been there around 30 times. Water..... never drink anything with ice cubes in it..... made from some nasty germ tap water.
FYI --- most bottled water from USA tap is very acidic (should be neutral ph or 7.0). Just like the tap water is. ??? I found only one brand of bottled water at my local store which is just pure water (7.0 ph). And, it is also the cheapest
You can buy ph test strips in many drug stores. -Richard
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I will be in Houston this November, if possible.... if not in Thailand. Where in Houston is some Blues played..... I only found The House of Blues... they didnt have much going on. How long to drive to Austin?
-RM
Colorado and Oregon are big states. Denver, Silverthorn, Cortez, and Grand Junction all have different landscapes. The eastern half of the state is mostly plains. Likewise Oregon. Portland is different from Hermiston is different from Bend.
If in Houston, you might try the Mucky Duck. Mondays are open mic but the rest of the week it's mostly a tour circuit stop for Austin and Houston etc. musicians.
I would think San Antonio's limestone-filtered Edwards Aquifer water is very alkaline.
If in Houston, you might try the Mucky Duck. Mondays are open mic but the rest of the week it's mostly a tour circuit stop for Austin and Houston etc. musicians.
I would think San Antonio's limestone-filtered Edwards Aquifer water is very alkaline.
No, why would I do that, just saying a person that follows the basic rules does not put avoiding tax liens on top of their list of retirement worries.
I was thinking about not loosing your home/bank savings account to a tax lean caused by today's exorbitant medical expenses taking precedence in your life. IMO, medical bills and being able to pay them should be a priority. As is paying your taxes.
I just got back from my Estate Planner/lawyer, today. Several good ideas... one is -- if your money is kept in an IRA, it is pretty much untouchable by others for any reason. Money kept in an IRA can generate dividends and just pay the tax on the dividend if you take it as income. This is what i do. But, didn't know that debt nor bankruptcy can touch it. But, not paying your taxes? .... you know, death and taxes; The government runs on a different set of rules from others.
-RM
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My dermatologist (me. fair-skinned irish/polish) doesn't take much insurance, takes cash mostly and charges much, much less than the guy who does -- lot of folks who qualify or are on Medicare go to him as you can get an appointment the same day.
OTOH, my cardiologist takes cash by the suitcase full from folks who like to go to NYC for their cardio-care.
The internist stopped all insurance for a while 'cause the patients were really cranky with his staff.
My suggestion -- take your primary care physician out to dinner every couple of years, or send him some opera tix.
Medical bills are not taxes, there are instruments to shield yourself from these events. BTW I observe quite a healty private medical business in all these wonderful places with "free" medical care.
Right here in Boston is about as good as it gets, Mass Eye and Ear, Mass General, Children's , you will not fine better anywhere in the world PERIOD and we have used them all.
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Don't forget Dana Farber.. I know it only too well, and it too is a life saver..