Proj1423

@Proj1423 (35)

United States • Age 47

Joined myLot 17 years ago

Hit me with any questions about mortgages or credit!

explaintome.blogspot.com

Proj1423's Responses

Riot Act

layney @layney (1053) • Italy 9 Feb 07

I just bought this cd on ebay, it is really particular, some songs are very good on the first listen, other are quite difficult but it's all quality!

pearl jam

riot act

3 responses •

1 person

Proj1423 I love it. Does anybody else feel the way I do? I'm a huge Pearl Jam fan. I love every song they have. Everytime they come out with a new album, I buy it and listen from start to finish. With every new album I feel like it is their biggest disapointment...

12 Feb 07

What do you do when your terrible 2 has a meltdown in public??

mom2adopted @mom2adopted (56) • United States 12 Feb 07

Last week we were in Walmart. They were giving cookie samples so I let my 2 year old have a peanut butter cookie, her favorite. After she finished it, I tried to clean her hands and face, but she was not having any of that. She...

32 responses •

8 people

Proj1423 I can't speak to experience because my little one is 3 months, but I love to read the responses because I'm nervous for when that time comes. First thing I'd do is walk away from the cookie lady as fast as I could! I think I would have tried distracting her...

12 Feb 07

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1 person

How is YOUR CREDIT??

crispystuff @crispystuff (404) • United States 7 Feb 07

After watching a show on this last week, I am convinced most Americans have pretty bad credit. What do you think?

4 responses •

1 person

Proj1423 This topic is very important to me. From what I've seen, yes, Americans have lousy credit. In my work, I have reviewed hundreds of credit reports with clients. Almost everyone has some sort of credit issue now or in the past that makes it difficult for them...

10 Feb 07

What on earth is Andy Reid smoking now?

scorpiobabes @scorpiobabes (7225) • United States 26 Jan 07

I heard this morning that the Eagles signed a professional football player from Australia to possibly replace the punter. Excuse me? To us Americans, that's soccer. What about all of the kids coming out of college? Because right...

eagles

football

punter

5 responses

Proj1423 Punters out of college are usually projects. I can't think of them, but I'm sure there's been a couple Australian soccer players turned kicker in the NFL. I'm not an Eagles fan so I can't speak to Stallworth. I just want Reid gone so I stop confusing...

8 Feb 07

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1 comment

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1 person

the truth on buying property for single moms

titine00 @titine00 (5) • United States 7 Feb 07

I am a single mom that has been looking into buying my first house. I have tried calling all kinds of crazy numbers, getting tapes for mucho money and contacted many 1-80000000 numbers without finding a solution. Am i the only...

finance

2 responses

Proj1423 I'm not single, a mom, or a woman for that matter. But I know that there is no additional credit or banking liability for any race. You should speak face to face with a mortgage broker. They will work out your debt/income ratio to determine how much of a...

8 Feb 07

is basketball given more importance than football and cricket?

GOSWAMY @GOSWAMY (242) • India 7 Feb 07

i think basket is not given so much important these days because football and cricket have become important games to most of the people.what do you think?

basketball

2 responses

Proj1423 I'm in the USA so I can't speak for cricket. Basketball has become boring. When Michael Jordan left the second time, the sport went downhill. Now it's just similarly skilled players playing against eachother and trading points. Do you really need to...

7 Feb 07

Quick cure for being drunk

springtimesolstice @springtimesolstice (10) • Australia 7 Feb 07

Anyone have one?

cure

18 responses

Proj1423 You can avoid a hangover by chugging a couple of tall glasses of water before you go to bed. Forcing yourself to throw up also works, although it's a slightly less enjoyable method. One disclaimer.... make sure you have a very clear path to the...

7 Feb 07

Realtor Question

itsokrelax @itsokrelax (733) • United States 27 Nov 06

I have been trying to buy a house for the past month. I used my friend from the track team I used to be on as my realtor. He has helped me quite a bit and since I just found out today that I am declined for the loan due to low...

friend

house

realtor

4 responses •

1 person

Proj1423 The very best gift you can give to a Realtor is more business. Just refer one of your friends, family, coworkers, or neighbors. The one person you refer may end up referring ten more and BAM! You're responsible for him becoming rich. Just talk him up...

7 Feb 07

Sell your soul to buy a home!

happythoughts @happythoughts (4109) • United States 7 Feb 07

I dont know if anyone else is going through this or not. My fmily is looking for a larger place to live. We arent looking for a giant house just something with 3 beedroom's and a yard for the kids. You need to have two great...

buy

high cost

house

3 responses

Proj1423 Talk to a mortgage broker to work the situation backwards. First, you and your family need to put together a budget including all the expenses involved in homeownership. When you've got that together, you'll know how much you can afford to pay for a...

7 Feb 07

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1 comment

Can you really be Debit Free

Bytemi @Bytemi (1553) • United States 7 Feb 07

I was watching a show last night, one of those reality shows, the couple on the show made as much money as I did and they were completely debit free, they owned a bueatiful house and two new cars, they had everything. Is it...

bills

debit

mortgage

2 responses

Proj1423 The easiest way is to not get in debt in the first place. Unfortunately, most of us don't have that luxury. The most important thing you can do is set a budget for yourself and keep to it. The money that's left over every month should go towards paying...

7 Feb 07

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1 comment

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1 person

What is your favorite Billy Joel song?

crazynurse @crazynurse (7482) • United States 3 Jan 07

What is your favorite Billy Joel song and why is it your favorite? Has he ever done a song that you don't care for?

billy joel

25 responses •

6 people

Proj1423 I LOVE Summer Highland Falls. The piano is great. The whole "Songs in the Attic" CD is a must-have. It's a song that you can relate to no matter who you are. It's a shame it never got the popularity of his other songs. That would be my number one song....

6 Feb 07

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1 person

What is the best rock concert that you've ever been to?

chuggs @chuggs (314) • United States 25 Dec 06

What is the best rock concert that you've ever been to? Mine is Pearl Jam because they are my favorite band and are rock icons, but as far as the absolute best rock show, I would have to sat that the honor belongs to Shinedown....

concert

music

pearl jam

14 responses •

1 person

Proj1423 Pearl Jam hands down. I saw them at State College, PA for what I think was their longest show ever. Ed said something like "This is the best tasting bottle of wine all tour and I'm not leaving till it's done." Incredible show with great energy. It was the...

6 Feb 07

Just how exactly does buying and selling real estate with no money down work?

mrseeker1977 @mrseeker1977 (37) • Canada 22 Jan 07

I'm sure almost everyone has seen those night infomercials where they advertise on teaching people to "buy property with no money down". I want to know if anyone has tried it, and can give some explanation on just exactly what...

3 responses

Proj1423 You can buy a home with no money down easily. A mortgage company will finance 100% of the cost and you'll have to pay just the closing costs. However, if you are buying a home that you won't be living in, the mortgage company will only finance 90% of the...

6 Feb 07

Other investors out there?

coslenchip @coslenchip (101) • United States 2 Feb 07

Hey. I am an amateur real estate investor. I currently have five properties. I live in one and am trying to sell another. The rest are rented out. All things considered, I still have a negative cashflow, due to the two...

12 responses •

4 people

Proj1423 It sounds like you're doing everything right. I'm a mortgage loan officer so I've structured these deals over and over but haven't done it myself quite yet. The negative cashflow is a big issue. You should consider renting them out just to reduce your...

6 Feb 07

Do you smoke? Why?

smints8985 @smints8985 (1594) • United States 5 Feb 07

My dad smokes, and we have been trying our best to convince him to stop smoking for the longest time and yet he haven't totally quit. There was a certain time that we had him stop for a month, we actually thought that he'll go...

smoking

vices

125 responses •

13 people

Proj1423 My situation is eerily similar to yours. My father has always smoked as long as I've been around. We tried numerous times to get him to stop and he has stopped for up to 3 months at a time but he always goes back. We've got him to a point where we've...

6 Feb 07

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1 comment

Becoming a Real Estate Investor with no money and fair credit

SpeakUP825 @SpeakUP825 (9) • United States 29 Jan 07

I want to hear from people who have become successful real estate investors starting with no money and bad credit. There are lots of claims today that say you can and lots of testimonials that say they have done it, but no one...

2 responses

Proj1423 I'm a mortgage loan officer and I can tell you that getting a mortgage is possible with average credit. However, for investment property you will be required to put at least 10% down as a down payment. The techniques these "gurus" preach about is using...

5 Feb 07

How to post pictures at myLot?

peachkisses @peachkisses (90) • Philippines 5 Feb 07

Hi.I'm a newbie here at myLot and I want to learn how to post pictures on resposes & discussion.Can I post pictures in discussions & responses?Thanks!

1 response

Proj1423 I'm new here too and I had the same question. I came across a couple of people who know more than I. They say you need 500 posts before you can upload pictures. I'm not sure why and I'm not sure how to do it when you are allowed to do it. Best of luck!

5 Feb 07

Adjustable Rate Mortgages~What will happen?

sakoch @sakoch (14) • United States 31 Jan 07

As many parts of the country are experiencing a downturn in the real estate market, how many Americans will be faced with a tough decision when their ARM balloons. In the past few years, many lenders developed "looser" guidelines...

real estate

3 responses

Proj1423 I agree that forelosures have become a problem but the market has a way of correcting itself and that's already happening. You're seeing a huge increase in people interested in flipping foreclosure homes. Many buy them on a short sale so they get the owner...

5 Feb 07