National Divorce Rate 2008
Stop Foreclosure… Save Your House and Your Credit by William Dorich
No one needs to remind you that Foreclosures are at a 30 year high or that nearly 5 million people have lost their jobs since Obama became president.
The old saying What goes up must come down applies to a soaring real estate market that was sometimes unrealistically over priced. Alan Greenspan refused to utilize the Feds power to rein in the sub prime perpetrators arguing that the damage from a boom and bust would be less than the damage from regulating the banks. It is now quite obvious that decision was irresponsible and lame. This was like asking Americans to play football without referees. Maybe Greenspan thinks 5 million foreclosures is an acceptable price to pay?
Sellers were delighted when they continued to get their inflated prices over the past few years, many homes sold with multiple offers that bid the home prices up usually to an artificially high level. Consequently, we are having a sharp downward readjustment of prices that may last for the next few years. As an example, it is estimated that 12 to 15 percent of Californians will sell their homes at a loss in 2009, up from the 2.5 percent just a year ago in 2008. Nationwide the trend is becoming evident.
Stated income, a loan qualifying practice in which the borrower did not need to provide the lender with proof of income, was commonly used and abused by both borrower and lender alike. Such practices were encouraged by Barney Frank and Christopher Dodd both of whom took large contributions from Fanny Mae and Freddie Mac and obtained mortgages below the going rate. Many in the lending industry call Stated Income Liar Loans, that have impacted the lenders, borrowers, investors and the economy.
P.T. Barnum, the famous man of the circus once said: A Sucker is born every minute. It now appears that the American taxpayer is being suckered into more government handouts, and more corporate welfare. It is time to throw the lending criminals behind bars not rescue them at taxpayer expense.
If you are presently in foreclosure, or headed in that direction, be assured that you are not alone. Tens of thousands of homeowners every day will find themselves in this awful situation, many times not of their own making, but due to ill informed buying decisions and possible immoral dealings of unscrupulous mortgage brokers.
There are a number of ways to approach a Default Notice, panic is never the right one. Not opening your mail or returning phone calls to your lender is also not wise. In this financial meltdown keep in mind the lender is not in the real estate business and therefore is not interested in owning your home. When a lender forecloses and takes your home back they are stuck with the property and it will cost them thousands of dollars to get it resold. In fact, for a lender to continue to receive money from the federal government they are permitted to write 5 new loans for every one repossessed property they resale.
With the current and building backlog of bank owned property across the nation you can understand how this inventory can impact future loans to those who are qualified to buy but cannot get a loan during this kind of logjam.
Owners facing foreclosure have several options. Loan modification is the new buzz word around Washington these days, a process in which lenders are being encouraged to reduce the interest rate on a loan for a 5 year period giving the homeowner a breathing space, then the loan amount goes back to its original rate. Not everyone will qualify for these modifications as tax returns, pay stubs and bank records are required to show that your payment exceeds the 31 percent ratio. You still need to prove you are capable of making payments.
Mitigation is another approach in which the lender agrees to change the rate and possibly the amount of the loan, or extend the loan period from 30 to 40 years and in some cases delay payments for a few months time. These are more difficult to get.
Next is Short Sale. In a Short Sale the homeowner gets to walk away, but receives no proceeds from the sale. The lender agrees to sell the property for less than is owed on the mortgage, usually accepting about a 15 to 20 percent reduction. Your credit is damaged but not to the extent of a foreclosure that impacts your credit score for seven years. The Short Sale requires a hardship letter such as loss of employment, Divorce, death of a spouse, medical problems etc. Again not everyone qualifies for these loan adjustments nor do they have a real hardship other than the fact that they are short of cash and are having trouble making ends meet.
It is always wise when it becomes obvious that you are not going to be able to stay in your home that you act quickly. Call in a real estate professional to assess you situation and try to find a solution. Lenders, surprisingly are in somewhat the same position, so negotiating a win/win is in the best interest of everyone.
About the Author
William Dorich is the author of 7 books including his newest, Defeat Foreclosure and The Nursing Home Crisis.A pioneer in self and independent publishing he has published 130 title including Witness to War for the Los Angeles Times which won a Pulitzer. See: http://www.gmbooks.com
Anything But An Atheist
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The 2008 Annotated Divorce Act by MacDonald, James Wilton, Ann Edition , 0 $38.99 The 2008 Annotated Divorce Act. MacDonald, James Wilton, Ann |
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Divorce by Fisanick, Christina Edition , 0 $13.99 Essays discuss the effect of marriage contracts on the rate of divorce, the affect of divorce on social values, the positive and negative aspects of divorce, and the role of court systems in divorce proceedings. |
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Divorce by Fisanick, Christina Edition , 1 $26.99 Essays discuss the effect of marriage contracts on the rate of divorce, the affect of divorce on social values, the positive and negative aspects of divorce, and the role of court systems in divorce proceedings. |
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The Truth about Divorce $40.65 For the past few decades, the divorce rate in America has remained around 50 percent. While divorce happens primarily between spouses, the end of a marriage can have a devastating impact on the mental health of children and relatives, finances, social status and emotional well-being, and the futures of everyone affected. The Truth About Divorce, Second Edition provides straightforward, up-to-date information about divorce from risk factors and divorce alternatives to the legal and psychological aspects of divorce. Providing a clear picture of divorce and its consequences, this completely revised volume offers useful information and encourages discussion with parents and peers. |
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Divorce Without Court: A Guide to Mediation and Collaborative Divorce $3.95 The all-in-one guide that shows couples how to end a marriage, fairly and inexpensively. Can you really have a civilized divorce? Ending a marriage is always difficult, but it need not be defined by financial or emotional conflict. Avoid huge legal bills and jockeying lawyers while protecting your kids — turn to Divorce Without Court for help. The book guides you through a negotiated divorce, using divorce mediation or a new approach called "collaborative divorce." Encouraging and straightforward, Divorce Without Court explains how mediation works, how collaborative divorce works, how to use either to end a marriage, how to maximize opportunities for settlement, how to get an agreement in writing and how to find and use advisors. Divorce Without Court provides the latest resources, contact information for state offices, national and regional organizations, and clear examples of what you can expect. |
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Divorce Without Court: A Guide to Mediation & Collaborative Divorce $30.11 Divorcing? Get the essential information on how to end a marriage fairly and inexpensively. Can you really have a civilized divorce? Ending a marriage is always difficult, but it need not be defined by financial or emotional conflict. Avoid huge legal bills and jockeying lawyers while protecting your kids — turn to "Divorce Without Court "for help. The book guides you through a negotiated divorce, using divorce mediation or a new approach called "collaborative divorce." Encouraging and straightforward, "Divorce Without Court "explains: how mediation works how collaborative divorce works how to use either to end a marriage how to maximize opportunities for settlement how to get an agreement in writing how to find and use advisors "Divorce Without Court "provides the latest resources, contact information for state offices, national and regional organizations, and clear examples of what you can expect. The 2nd edition has been revised to reflect the most current trends in mediation, collaborative practice, and divorce law. |
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Dealing With Divorce Leader’s Guide $9.89 ‘Sadly Christian teens are not immune to the effects of divorce. Even among Christian families the divorce rate is more than 50 percent. The emotions and issues that are brought up after divorce can leave teens feeling lost and confused about their family and their faith. In this six-week study you can help students deal with the thoughts and feelings they’re experiencing after a divorce—whether it happened recently or when they were younger. With engaging stories and thought-provoking questions students will explore issues of anger guilt forgiveness family and more through a biblical lens offering them hope and healing. This leader’s guide will give you the tools to help you lead students through this study—whether you have experienced divorce in your lifetime or not. You’ll find that when you give students the opportunity to open up and examine the feelings involved with divorce much-needed healing can begin in their lives.’ In this six-week study you can help students deal with the thoughts and feelings they’re experiencing after a divorce—whether it happened recently or when they were younger. With engaging stories and thought-provoking questions students will explore issues of anger guilt forgiveness family and more through a biblical lens offering them hope and healing. |
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Florida Gators 2008 National ChampionsFramed 8×10 Photo $71.64 Florida Gators 2008 National ChampionsFramed 8×10 Photo Florida Gators 2008 National ChampionsFramed 8×10 Photo |
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Demographic Yearbook 2008 by Edition , 60 $15.99 The Demographic Yearbook 2008 is the sixtieth in a series published by the United nations since 1948. It contains general tables including a world summary of selected demographic statistics, statistics on the size, distribution and trends in national populations, fertility, foetal mortality, infant and maternal mortality, general mortality, nuptiality and divorce. Data are shown by urban/rural residence, as available. In addition, the volume provides Technical Notes, a synoptic table, a historical index and a listing of the issues of the Yearbook published to date. |
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Divorce and Remarriage: Four Christian Views $19.73 Divorce. No one likes it, but it doesn’t go away. Even among Christians, the divorce rate continues to climb. How should Christians approach this issue? May Christians ever legitimately divorce? If they divorce legitimately, may they remarry?Not everyone who appeals to Scripture agrees on how we should understand what it says about divorce and remarriage. In this book, four authors present their distinct perspectives. Carl Laney argues that the Bible indicates that marriages are always intended to be permanent, that there is never a need for divorce and that remarriage is never permissible after divorce. William Heth contends that while there are legitimate biblical grounds for divorce, there are no legitimate grounds for remarriage after divorce. Thomas Edgar defends the position that Scripture allows for divorce and remarriage in cases of adultry or desertion. Larry Richards holds that Scripture, while decrying divorce and the pain it causes, points to a God of grace who will not condemn those who divorce and remarry.Such a sensitive debate cannot remain abstract, so a case study accompanies each position, followed by critical responses from each essayist. The result is a thoughtful, helpful resource for all who wish to think biblically about a crucial issue confronting the church. |
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How To Make Divorce Fun $6.39 This book has received tons of national media recognition and is highly recommended as a must read for anyone who is or has gone through the humiliation of a divorce. This witty and charming book offers a quick read and guarantees to put a smile on the face of anyone regardless of how depressed they may be. It offers hilarous and real world advice for people facing the tragedy of divorce. |
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Le Divorce $3.95 Anne-Sophie is a young Frenchwoman engaged to Tim Nolinger, an American journalist hot on the trail of a breaking story: The theft of a valuable illuminated manuscript from a private collection in New York, which may now be in the possession of a reclusive film director living on the outskirts of Paris. As Tim, Anne-Sophie, a pair of American antique dealers, and one amorous member of the local gentry converge on the director’s chateau, the director’s wife — a former actress — is accused of desecrating a national monument. Add to that a disappearing American; a hunting contretemps; a wrongful arrest; and murder, and you have this sexy, stylish, delight of a novel that celebrates the paradoxes of marriage and morality as they are perceived on both sides of the Atlantic. Filled with the author’s pithy insights and hilarious asides, Le Mariage is Diane Johnson at her very best. |
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The Complete Idiot’s Guide to Surviving Divorce $3.95 "The ins and outs of divorce." In this totally revised guide, readers will find up-to-date information to help them navigate the legal, emotional, and financial stresses that go hand-in-hand with the breakup of a marriage. This new edition includes information for divorcing couples of all economic situations, tips on how to manage finances after the divorce, negotiating the divorce, and much more. -The first two editions of "The Complete Idiotas Guide to Surviving Divorce" were strong sellers -With the divorce rate still at about 50% nationwide and on the rise in some states, this edition has a built-in audience -Completely reorganized and updated, it offers readers a user-friendly approach by compiling information in an easy-to-find format -Offers readers a proactive approach to handling their divorce, allowing them to be better informed, better prepared, and less dependent on an attorney |
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Compaq HP Deskpro 2008 2/21 64MB EDO SIMM 60ns 2K Refresh Rate Memory Kit $31.98 Compaq HP Deskpro 2008 2/21 64MB EDO SIMM 60ns 2K Refresh Rate Memory Kit |
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2008 Masters Flag Augusta National $74.88 2008 Masters Flag Augusta National 2008 MASTERS FLAG AUGUSTA NATIONAL – OFFICIAL 2008 MASTERS FLAG. The 2008 Masters Tournament was a golf competition held at Augusta National Golf Club from April 10 to April 13. It was the 72nd Masters Tournament, and the first major of the 2008 season. Trevor Immelman won with a score of -8 280 and became the first winner since Raymond Floyd in 1976 to hold the lead at the end of each of the four days of play. 2 Tiger Woods finished in second place, three shots back at -5 283 . Defending champion Zach Johnson finished tied for 20th at 3 291 . The annual Par 3 contest, which is held on the Wednesday before the first round, was won by Rory Sabbatini. |
