A year later, we converted the property to a duplex (we needed a minor variance from the Committee of Adjustment, got refused, and I successfully appealed to the OMB).The reno to convert to a duplex legally was $50,000.

Trusting your happiness meter has now been adjusted to reality.

I'm adjusting those late payments today.

I got the house for $31800 with a 10% down payment so I still owe $28620 with an interest rate of 4.42% (that can be adjusted in 5 years), and a monthly payment of $179.90.

I manually create a Zillow listing which puts it out to Trulia, Hotpads, and others. 

To have an offer accepted, one may need to adjust their Desired Profit; however, it should not be below $20,000, or what one feels is acceptable.

They gave loans to people who couldn't possibly repay those loans, especially when their adjustable rate mortgages increased. 

I went ahead and did a little bit of digging and pretty much came up with the following:In 36 Months ( just before the 1st ARM adjustment) the two loans will reach the same amount.At this point the loan can jump up to a max of 3.25 for another year.

If your heart wants him as a friend, you will find a way to regulate and control your own thoughts towards him, and if you two are not meant to be as close as before, you will adjust your distance towards that" old self" while you are moving on to bigger/brighter things in life.

You also need some business cards that have a couple things for you to write in manually like your phone number but not your cell phone number.Another thing you should consider, depending on your financial worthm, is to form some sort of corporation or a LLC,  Expect that most banks are against doing a loan that not in your name, even a transfer.