The coming nursing home shortage
Many clients sell their homes and use the money to pay out of pocket for long-term care services from a nursing home. By obliterating more than $ 8 trillion in home equity, the collapse cut the number of patients who can pay their own way.
Read more on Gant Daily

Welcome Home the Heroes: Local parade is grassroots effort to honor Iraq vets
but most of the time nothing much comes of it. But not the folks in the organization Make January 28th Welcome Home the Heroes from Iraq Day. The group of friends and families from the St. Louis region decided there ought to be a parade to welcome home …
Read more on Belleville News Democrat

USA Insulation Says Homes With Icicles, Snow Melting on Roof and Around …
"In addition to insulation saving money on energy bills, an energy efficient home is more comfortable and has better indoor air quality," says Pitrone. "When you insulate your home correctly, it's one of the lowest cost options for improving your …
Read more on MarketWatch (press release)

Home Owners

H. Armstrong Roberts Home Owners – Photographic Print
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How to Buy a Home With No or Poor Credit

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House Lust

Image by Earthworm
A testimonial to the heights to which our consumer culture can go when shelter becomes an investment vehicle. Bad for the planet, bad for communities, bad for the poor, and yet another way to fleece the middle class of wealth via investment bubble. Not that we didn’t know all that, nor does the author come to this conclusion but the details give some insight into American thinking behind the built environment just when we should be preparing for a much more diminished resource consumption lifestyle.

Insights offered:

Homeownership replaced the status once attributed to careers, because now people have niche jobs so obscure that careers are too hard to read as a social marker so people talk about their houses and show off their houses waiting for the wow response to their immense foyers or home theatre, wet bar and jacuzzi.

The extent to which homes have been supersized outside of the Bay Area makes 3,000 sq ft look small when 9,000 sq feet is the top end. They’ve just increased the sizes of rooms. Interior designers have had trouble giving these interiors a human scale. Homeowners can’t remember how many bathrooms they have.

Americans want new stuff, thus new homes that are custom ordered from packages developed by corporate homebuilders ie: Toll Brothers. Much time is spent by homeowners choosing all the details. Increasing amenities are simply rolled into the mortgage thus creating a "savings" for the buyer compared to after market installation. Of course the size of these homes means enormous repair bills if you have to have a roof replaced or some painting done.

Investment property bought site unseen was supposed to be the new 401K but the reality of it is shabby homes for poor people, continued urban blight in communities and no guarantees that investor will reap a return due to mitigating circumstances like hurricanes and managers who run off with the rent.

Author offers a run down of all the home shows on TV, their origin and why they appeal. He also exposes the investment gurus that teach weekend workshops for a tidy sum, some of whom push illegal practices.

Author did not discuss how zoning plays a role in enabling these ridiculous homes. Author is himself a self-identified victim of House Lust and his book does not offer a serious conclusion, only that house lust, like fitness fads shift the culture in favor of the trend even as it dies out. So we’re stuck with it. This is what we’re up against in attempting to change the culture towards sustainability.

Like other material obsessions that turn into addictions, more is never enough. Author does not speculate why except that’s it an American thing. I would say that in a culture of the individual, "more" fails to fill the need for authenticity ie: shelter that actually fits the lifestyle of the home dweller. American home building is about buying a product based on marketing. People project, onto their purchase of a home, who they think they are and what they think they want their lives to be, thus the chef kitchens that are never cooked in. The resulting built environment is disfunctional, driving up isolation among people by being so spread out. There is nothing in such House Lust that brings families or communities together.

Don't Be Afraid of the Dark
Sadly, the Blu-ray offers a near barebones package for this motion picture. Don't Be Afraid of the Dark is destined to be one of those titles that split horror geeks right down the middle. Many will see its menacing mood and wealth of wicked little …
Read more on DVD Talk

Op-Ed: Passage Of CME Tax Break Fuels Growing Income Inequality, Ignores Voice …
By granting a large tax break today to one of Illinois' most prosperous companies, the Illinois House has concentrated more wealth in the hands of the rich, even as average workers are literally taking to the streets to decry growing income inequality. …
Read more on Progress Illinois

Question by luckyme460: Student loans: Debt consolidation vs. Remortgaging Home?
I have about $ 80,000-$ 100,000 in student debt. I have about 5 different lenders for these loans, with interest rates between 4% and 12%. My parents and I are tossing around the idea of remortgaging their house, where I would end up paying their mortgage at a rate of 3.7%. Would this be a better idea than a loan consolidation process? In the long run it seems like it could really hurt my parents because it would leave them stuck with a higher payment even after I have paid off these loans.

Best answer:

Answer by bbwfolkie
If you are finished school then I would assume that your parents are over forty and should be doing all they can to focus on preparing for retirement and that does not include remortgaging their home to pay off your student debt. I’m absolutely certain they want to do all they can to help you out financially because that’s a parent’s instinct but I think you’ll find that leaves them short in retirement which may cause you some feelings of guilt and cause a rift in your relationship. Personally I don’t think it’s worth it. Do what you can to consolidate your debt, live within your means and pay it off as soon as possible. You might consider consulting a financial planner or debt advice agency for an expert opinion.

Give your answer to this question below!

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Question by savannarosa: Is a lease buy back program for my home a good idea?
My house is in forbearance and someone offered the option of a lease buy back program where an investor comes in and buys my home and then I lease it from him for 12 to 24 months with extra cash out then I would buy it back. Is this safe? Can he just end up keeping my home? Do I pay him rent? Can I buy it back at the same price? I need some advice quickly please. Thank you in advance!

Best answer:

Answer by ttpawpaw
You ask too many questions at once. All of the things you mentioned are possible. It is also possible for each of them to turn into a NO.
The lease/buyback people are there to make money, not because they care. You are going to have to look at the papers real carefully. It would be a good idea if a realeasate lawyer would look at them too. After all your house is riding on this.

Know better? Leave your own answer in the comments!

Credit Unions to the Rescue with Home Equity Loans
“The line can be used to consolidate high interest rate credit card debt especially as credit card debt increases over the holiday season,” says Albany. For those members who would prefer level monthly payments over the life of their loan, …
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Banking and Finance : Comparing Debt Consolidation Services: Find the Best …
Debt consolidation is the practice of combining all of your debt and taking out a loan to pay it all off. This results in one payment and typically means a lower interest rate. Many times a debt consolidation loan is a secured loan, meaning that there …
Read more on SkyNewswire.com

Spring, Texas (PRWEB) December 09, 2011

Spring Home Loan services have never been as easily accessible as they are today, thanks to AMCAP Mortgage, LTD joining PreferredLocalBusiness.tv, a local preferred business directory that will make Spring Home Loan services immediately available to local internet searchers.

Headquartered in Houston, Tx AMCAP Mortgage, LTD is a private mortgage lender that prides itself in doing approximately 90% of its business in the Lone Star State with major offices in Houston, Dallas, Austin and San Antonio. AMCAP is Freddie Mac Seller/Servicer approved with HUD, VA, USDA and numerous other county specific programs. With an extremely experienced staff of processors, underwriters and closers, AMCAP is able to ensure a smooth transaction for all of their customers.

AMCAP has continued to grow and attract some of Texas best loan originators, said CEO P. Garrett Clayton. We are the preferred lender for numerous home builders throughout Texas, have strong networks of realtors and help many depository banks and credit unions facilitate their clients long-term home financing. Every facet of a transaction happens under one roof. We dont just send a loan out to third parties hoping it gets picked up; we are a direct lender who has the power to make actual decisions. The heads of our departments are much respected industry leaders whove been with our company for upwards of five to ten years and have often been in the business for decades.

As consummate mortgage professionals, every AMCAP employee from top to bottom is committed to providing excellent customer service throughout the loan process to insure the smoothest possible transaction. They fully understand that buying a home can be a stressful process. To this end, they have streamlined mortgage loan procedures to make the entire process as efficient and pleasant as possible. AMCAP Mortgages ultimate goal is to create the conditions necessary for clients to feel confident that realizing the American Dream is something they could do in their sleep.

AMCAP is always looking to expand its origination platform and realtor contact and would look forward to any opportunity that may present itself in this marketplace.

I think it is more important than ever for realtors to be truly aligning themselves with a good mortgage banker who can really help control the transaction. Over the last couple of years there has been such a contraction in the mortgage space that now many of the loan originators that may have been doing this as a part time gig are no longer out there and many realtors are having to find new originators to refer their clients or they are needing to reexamine who they are using,” said Jason Turner of AMCAP Mortgage, LTD.

AMCAP Mortgage, LTD provides outstanding care delivered by a dedicated team, meaning their clients receive the personalized treatment and attention required for a stellar home loan experience. PreferredLocalBusiness.tv happily welcomes their newest listing for Spring Home Loan.

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Issue by Princess YangXin: Is Google Home Wealth Package a fraud?

Just needed to say thank you to all who answered. Wow, Brother, so embarrassed. I typically know much better, but I am too gullible. Yes, I read at the bottom of the page that Google has nothing at all to do with it. Thanks once more to all.

Greatest solution:

Solution by Mark Stoop
You suggest people advertisements that you see all above the web? Yeah, that’s a scam.

Create your personal response in the remarks!