All Forum Posts by: Mary R.

Several months ago I transferred money from a big bank to a small local credit union for personal reasons.
Recently I bought a house, and hope to close on it soon. The weather here is downright nasty, and getting out is impossible for me due to health.
I just called the manager and asked if they wire funds. His response?
"Yes. But it'll cost you 18 bucks. Where do you live?"
"3 miles directly south of you." (We had talked several weeks ago, and he had a general idea because of that conversation).
He said, "When they give you the information, call me, I'll cut you a check and bring it to you. Save you that money."
THAT's service! :rock:

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I remember reading several years ago on a legal forum, about a company that did something similar for several years in a row. During a severe downturn, the company could not afford to do one year, and did not. Someone sued the over it, and the court required the co to ante up, because it had become an expected benefit.
So, maybe that's not a good thing to do on a regular basis.

Good training is both a positive and a negative...:wowie:
Good Guide dogs (seeing eye) are naturals and or well trained to be intelligently disobedient.
WHAT is intelligent disobedience, you ask.
When a dog disobeys a command it means he refuses to do it. Intelligent disobedience means he has a valid reason for refusing to do it. For example, if a blind person gives a guide dog a command to "forward" and there is an obstacle in the path that could injure the handler, the dog refuses the forward command. When a guide refuses a command, it is then up to the handler to determine why and work out what to do about it.

So how does this relate to to your topic?

When you changed the format a few months ago I did not like it at all. :badwords: BUT I got used to it, as you trained me to. :badwords: I got used to the new format, including the RECENT DISCUSSIONS being on the front page. I REALLY disliked that, as I previously preferred to go through and read most of the forums' new content, and even older content while there.

NOW, I'm comfortable with the new format, :shake: and rarely go to the forums themselves, but rather, clicking on whatever interests me in the RECENT DISCUSSIONS list.

SO, I did not see this thread in RECENT DISCUSSIONS, and thought I was the only one up so early this morning, so asked my question. Thanks to Uwe, he directed me here.

So, Josh, your training worked. :roll: I use only the recent discussion page mostly. NOW I need to learn intelligent disobedience, and remember that even though I don't see it, my question may be answered someplace else.

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now off to try to learn to be intelligently disobedient! :mrgreen:

What happened last night? For over an hour, closer to two, I couldn't access the site. No problems with other urls, but when I tried BP, my screen said I needed to try to reconnect to the internet.
Glad you're here now. Merry Christmas, All.
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Speaking as a wannabe investor, the economy took a drastic downturn. It became clear to me that I needed to hold and use the money I had planned to invest very short term in another much higher priority goal.
I did explain that to him, and I do hope he understood.
I'm sure that fellow saw me as a time waster, which I was at that point for him, and he/we dropped contact.
When that goal is achieved, depending on other factors, too, I plan to re-establish a connection with him and maybe move forward on a project or two of his.

And yes, congratulations and happy birthday to your new child.

I was also a high bidder on an auction house. This house is in a subdivision I've watched for a while. I couldn't get to sleep one night panicking at the thought that I just bought myself a huge debt because of hidden liens. I got up and did some research. I hope I'm right on what I'm about to tell you.
To sum it up first, this is what I've found, plus supporting words from other sites:

from http://www.realtown.com/RichardHansson/blog/real-estate/title-issues-with-ma-foreclosures
"Purchasing a bank owned property has long been considered to be one of the best ways to buy real estate. Typically, a below market value price can be obtained and because the foreclosure process wipes out all junior liens on the property, the title to a bank owned property is assumed to be guaranteed clear and marketable.
Suffice to say, if you've purchased a foreclosure property in the past and still own it, you'll either be patting yourself on the back for purchasing an owners title insurance policy, or kicking yourself if you didn't."
and I hope it's true of AZ, too, cause that's where my house is.

from http://www.arizonarealestatenotebook.com/2009/09/24/past-due-hoa-fees-wiped-out-in-foreclosure-but/
"When a home is foreclosed on, all junior liens are wiped out, including liens for unpaid HOA fees."

From http://www.realtytrac.com/foreclosure/auction/how-to-buy-homes-at-auction.html
The priority of a lien is usually determined by the date it was placed on the property. So a first mortgage will usually have the first priority, and all other liens will be considered junior liens. In most states, the public auction clears out any junior liens, but there are exceptions such as tax liens, which typically will continue to be in effect after the auction"

They are transferring title via SPECIAL WARRANTY DEED, rather than TRUSTEE DEED,
so there's this:
Special warranty deed Arizona and junior liens
Arizona Revised Statutes
33-402, Forms for conveyances; quit claim; conveyance; warranty; mortgage ....
33-723, Right of junior lien holder upon foreclosure action by senior lien holder ...
33-730, Limitation on deficiency judgment on mortgage or deed of trust as .... 33-1226, Easement to facilitate exercise of special declarant rights ...
www.azleg.state.az.us/arizonarevisedstatutes.asp?title=33 - Cached - Similar

33-723, Right of junior lien holder upon foreclosure action by senior lien holder

Any time after an action to foreclose a mortgage or deed of trust is brought, and prior to the sale, a person having a junior lien on the property shall be entitled to an assignment of all the interest of the holder of the mortgage or deed of trust by paying him the amount secured, with interest and costs, together with the amount of any other superior liens of the same holder. The assignee may then continue the action in his name.

Hope this helps, and more so, I hope it's correct. So BUYING THE TITLE INSURANCE should protect us both. Best wishes on your purchase. Where is it?
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Hugh Chou has numerous mortgage calculators at his website: http://www.hughchou.org/calc/

Scroll down to "mortgages and loans"
FWIW, that site is one of my favorites.
Check out his "Investment versus Loan Payoff -- A Scenario "
http://www.hughchou.org/calc/payoff_v_borrow.cgi

This form allows you to compare what would happen if you took one of two choices with a big chunk of cash you have -- paying off your mortgage, or investing it instead. This tries to take into account your tax situation and assumes you always itemize (even late into your mortgage when your interest will be lower -- I am assuming you give to charities, and pay state and local taxes too!!) Note that with the new tax cut your deductions may now be less valuable

Another way to think of this issue that I heard was to ask yourself this question: If you had your house fully paid off, would you take out a loan at today's rates to invest? If you answer no, just pay off the mortgage and sleep soundly at night. If you would, then keep your mortgage and invest the lump sum.

Or, even his WHAT'S MISSING calculator might give you some guidance.
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We'll check the cove and the panels on the next trip to HD.

One end panel IS beside the dishwasher, the other is at the other end of the row of cabinets. I like the idea of using a door panel to help, but the problem is that the dw leaked and that panel soaked up water, up to 4" high. I can't even find the contact paper of the same color...
Maybe Jon's suggestion of 1/4"oak plywood, or even an oak veneer might work. I'll call a refacing co this morning.
Thanks
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The ends (sides) of my kitchen cabinets have seen much better days. These are the light oak, probably mass produced 15 or so years ago, installed in the tract homes in my subdivision, and probably thousands of others.
Are just those panels available? All I need are the right and left end pieces. Is HD or Lowes likely to have them, or where might I find them?
Or, is there a better way to replace them to match the rest?
Thanks
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