I'm with you. I can't believe they are buying her story. nm

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Maybe he has an heirloom ring that has been in his family for generations. Maybe he just really wants to get something you that is a personal expression of his and his alone. If he's buying it, don't look a gift horse in the mouth! It's not about the ring, it's about the marriage...and marriage is gonna be all about compromise. Congratulations on the engagement!

I live in a small town and in our local paper there are always public listings of properties that are going to be sold on the courthouse steps in an auction because of foreclosures or failure to pay taxes, etc. I'm kind of interested in learning about this process because a cute older home I've had my eye on for a while is going to be sold this way in a couple of weeks and I am in a position to maybe buy it because I FINALLY settled with my insurance company over my house fire. So I have a nice little chunk of money (not a huge amount, but enough to buy a decent home for me and my kids). My ex-husband severely damaged my credit and so this may be the only way I can buy another house, besides I'd rather not use the money as a down payment on a big, huge fancy house I'll probably struggle to make payments on. I'd rather just buy a nice little three bedroom that is comfortable and affordable and allows me a little wiggle room with my finances. I'm living with family now and don't even get me started on how stressful that is!

So I was wondering if any my virtual colleagues and friends here at MTStars had any experience or knowledge of how this whole foreclosure/tax auction process works? Will there be an auctioneer and I will have to bid like at a regular auction? And usually how much do houses go for when sold this way? Do they go for the amount of taxes owed or how much the house is worth? The public notice from the county says the buyer has to put 10% down and pay the remaining balance in 30 days. So I'm trying to get an idea of whether I will have enough to pay cash the day of or if I will still need to get a small mortgage loan.

Any suggestions? I'm really dumb when it comes to stuff like this. I've never really had a head for business, but since leaving my ex, I've vowed to learn and be savvy and take control of my finances. And this would be a big first step towards that.

Ok, here's my story....I've been an IC for 3-1/2 years and an MT for 6. My husband and I are moving to another state and buying a house. The mortgage company wants me to get a letter from the company that I have a contract with stating that I can continue to receive work from them even after I move. My question is, is this normal to request this?? It seems really unprofessional of me to even ask them to write this letter as I'm NOT an employee of this company. The mortgage guy we're dealing with seems very young and doesn't seem to have experience with self-employed people, so I'm wondering if I really need to get this letter or if we should just use a differnet mortgage company? I would really appreciate it if anyone has been in a similar position could let me know if you needed to get this letter as well. FYI: We have excellent credit and have both been gainfully employed since we were teenagers. Thank you!

I wondered that too if all the houses gone up that much. I know they did some remodeling since they bought it 5 years ago but we have done some remodeling in this house too (same kind of remodeling) but I won't dare think it would sell for 66% above what we originally paided for it.

Than again, I would have to get an expert to come through here and tell me what they think it might sell for. I have not a clue.

My gut feeling tells me that they need to come down. I saw the new house they were moving too. It is a huge, two story, maybe $300K home. DH and I think they have jacked up the price on this other home in order to help pay for the one they are in now.

Then other things would have to factor in like property taxes, cost of utilities which I know all that would be more than what we are paying now for this little house we are in now. "sigh" Oh well, maybe one day we will have something bigger.

We are going to look at a house we are both interested in in about an hour. I made up a list of questions. First off, I think the seller wants too much and have already told them so, they want 125k. They said they will consider coming down though I don't know how much. It is a 3 bedroom 2 bath brick home about 1600 sq ft. I don't think it is worth more than 80k and that is being generous, IMO but I am no expert. It is a nice house but not flawless. The outside gutters are coming off I know for sure. Dh had been in and he said some of the carpet is comming up. There are old trailer houses all in that block. The house directly behind us is an old abandoned house with sheep in the backyard. The neighbors beside us have chickens.

Anyway, the questions I came up with is: Aprasial value, property taxes, age of the house. Also I have been wanting to some how ask about Dh farm equipment. He has had it parked out here and the neighbors have yet to complain the whole 8 years we have lived here. However, some of my relatives across town have old cars parked in their driveway and they get complaints. My bestfriend's mother lives 2 blocks away from this home and she says there is not a crime problem. Howvever, sometimes kids drive up and down the street too fast so I would have to keep a close eye on my two little ones. We would still be in the same school district so that is not a question.

Anyone have any more tips to look for. Is it too nosey to ask what the utility expenses are? I thought about calling WTU but I don't know if they would tell me or not. 15 years ago they would because I asked about an appartment complex I was interested in living in. However, back then they had a local office I could call, not anymore. TIA.

Scenario: 15-year-old finished growing 2 years ago, stable sizes. 8-year-old growing like a weed, can't wear anything from last winter.

It's getting cool now in my state and I need to get the 8-year-old some long sleeved shirts for school. The 15-year-old thinks they should also get the same amount of money to spend on clothes - even though they have plenty to wear in their closet and state they have nothing in particular they want and make money doing neighborhood chores as well as chores around the house. Also before school began both kids were given $100 to buy their school supplies and clothes. The 8-year-old spent the clothing portion on pants and new sneakers, the teenager spent it on various clothing items.

1. Do it even though they don't need it because it wouldn't be fair to spend more money on one child than another.

2. Tell them that you're only getting the younger child clothes because they have no long sleeved shirts that fit, whereas the teenager does, and that they are welcome to spend their own money on extra clothes they want.

For the most part, she blames her actions on stress from her illness. I can (somewhat) see someone stealing to pay bills or to put money aside for savings, but not for a lavish wedding or cruises.

GOFFSTOWN, N.H. -- A woman accused of stealing more than $1 million from her nonprofit employer said she used the money to pay for medical bills, vacations and her daughter's wedding.

"My daughter was getting married; I wanted her to have a nice wedding," said Linda Bevins, who has colon and lung cancer. "I had nothing, it all went to cancer. I thought I was going to die. I wanted to have a good life. I wanted my husband to have peace of mind."

Bevins was fired in June from her job as a payroll supervisor for the Crotched Mountain Foundation, which runs a disabilities rehabilitation center in Greenfield. She, her husband, and daughter now are being sued by the foundation. A criminal investigation is also going on.

Bevins was diagnosed with colon cancer in 1999 and took a job as a payroll specialist with Crotched Mountain in 2001 to help pay her medical bills; she was promoted to supervisor a year later. She told the New Hampshire Sunday News she began taking money in 2004 after doctors told her the cancer had spread to her liver, and the prognosis was not good.

Bevins said she's not certain how much money she took, but doesn't dispute Crotched Mountain's estimate of $1.3 million. She said at least $200,000 went to medical bills for her cancer treatments and another chunk paid for her daughter's wedding, which included a custom-made wedding dress. Bevins said she also took her family on two cruises and used stolen money to make donations to churches and other organizations.

"It bothered me a lot because I was not the type of person to do that," Bevins said of the thefts. "I would get depressed that this was happening and I'd say 'I can't do this anymore.' But then something else would happen and all of a sudden I'm doing it."

An audit commissioned by Crotched Mountain revealed allegations that Bevins issued payroll checks to her daughter, Holly Sears, and herself, and funneled foundation money into personal bank accounts. Bevins said biannual company audits didn't catch her scheme, nor did a co-worker who helped her with the payroll.

Neither her daughter nor husband knew anything about the thefts, though she acknowledged that sometimes she asked Sears, 26, to cash checks for her, Bevins said.

Bevins said she's ashamed of what she's done, but blames at least part of her actions on her former employer.

As the only employee who could handle the payroll, Bevins said she was constantly on call, even while on vacation or sick leave. She said Crotched Mountain workers even called her cell phone while she was in the hospital, and nurses became so fed up by the they asked a doctor to put a stop to it.

"If I didn't have the stress, maybe I wouldn't have gotten sick and wouldn't have had the bills and maybe (the stealing) wouldn't have ever started," she said.

Mom dying, dad with Alzheimer's, so I'm taking care of both, though my dad was still independent in ADLs. I worked at home so I didn't really work and I was supposed to take everyone to the doctor. My sister had 3 days off, the same time as my son's/husband's birthdays. She said she would come help one day, but that needed time for herself. I'm the one with young kids, I'm the one trying to maintain 2 households and work full-time ....... I finally moved in with my parents, gave up any privacy, spent 98% of my waking time when not working taking care of someone or something. I don't regret it and I would do most of it all over again because I'm a caretaker, but if there are 4 other siblings why should I have to carry the burden. After my mom died I fell apart. I had to put my dad in a facility and my sister said she would take over primary caregiver duties, but she was hit or miss. Her kids were grown and out of the house, her DH was always off playing golf. She complained that my dad was only getting 2 showers a week, but she wasn't willing to go give him a shower. She complained about using all her vacation time for doctor's visits - like I didn't have to either take vacation or make up my time. I could go on and on. They told us in grief counseling that in most families there is one that always ends up doing everything.

The only thing I can say is that when your dad is gone you can seek comfort in knowing that you did all you could to help him, that you were there for him when it counted. Your sister will be the only who has to live with the guilt that she wasn't there (and she will suffer, must maybe not right away). At the same time I think your dad is just thinking about what he wants and I completely understand. My mother wanted to die at home in her own bed, not a hospital bed, even if she was still at home she didn't want a hospital bed, but I also think it puts a lot of stress on you and one day he will be gone and you'll have to pick up the pieces and continue on and there may be a day when you can no longer care for him at home.

I was very long-winded, but what I'm trying to say is don't worry about your sister. Focus on your dad and do what you can do and that is all you can do.

I have a sad story to tell. My husband's cousin's x-wife had an accident Friday night and was severely injured. She was coming from a night out and was drinking and wrecked. She was ejected from the vehicle and suffered severe head trauma. She was put on life support and was found to be brain dead. Her parents had to make the decision to pull the plug. The doctor assured them she had no brain activity and could not breath on her own or anything. So they unplugged her yesterday. This young woman was I think if not mistaken 29 years old. She had 3 children ages 8, 4, and 2. They have no mother now. She was so disfigured from the accident that her boyfriend went in ICU to see her and hit the floor as he passed out from the shock of seeing her face. She never dreamed when she left to go out last Friday night that she wouldn't be returning and she was leaving her kids for the last time to soon find they had no mother. I had the pleasure of knowing this woman for her brief time here on Earth. She will be so missed by her children and the rest of her family. The 8 year old boy is taking it by far the worst because he comprehends what death means and that he won't see his mommy anymore on this Earth. The 4-year-old just knows mommy is in heaven but can't comprehend that mommy can't come visit her from heaven. The 2-year-old just doesn't understand at all. She just misses her mommy. Brief story about what the 4-year-old said to her mawmaw yesterday: They were going down the road and she had learned earlier that day her mama was gone to heaven. She was staring out the window at the sky because she was told that was where mommy was. She was just desperately hoping for a glimpse of mom I guess. Then she said mawmaw that's my mom. And she pointed to the sun. It was shining really bright inside the car on them. It was a really sunny day. Her mawmaw says where baby? She said do you see the sun mawmaw? She said yes baby I see it. She said that's my mommy shining down on me. She is watching me mawmaw. This is from a 4-year-old. Now if that don't break your heart what does? Pray for these children who have suffered probably the greatest loss they will know. And please don't drink and drive.