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I have bought 4 homes in 4 different states

Posted By: see msg on 2007-04-10
In Reply to: Self-employed/IC and buying a house? - sm

with my husband and I am an IC.  I have never been asked to get a letter from a service stating I would have work for a period of time.  Anyone you contract with, would probably not do that.  They cannot promise you anything.   WE know that.


BUT what I am asked is how long I have been in the business.  That seems to matter the most, as it should.  And when I say *over 32 years*, then there is no problem. 


If you are happy with you mortgage company and have good rates, then just explain to the loan officer how your job works and emphasize that you have been in the business for 6 years.


As an aside - the last mortgage officer knew I was self employed but when we went in with our W-2s and 1099s, he was shocked at my earnings.  He said, *Most of the time, self-employed means no income and a lot of deductions."  Make sure your mortgage company knows you make money at this and are not using it as a tax write off.


Good luck to you!  and congratulations on your new house! 




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Take animals to the Nursing Homes and Retirement Homes and Childrens Hospitals. NM
x
Oh, I use to own 2 other homes but would much rather,
live here, keeps out all the riff-raft.
too many dogs need homes.
nm
We are in a development of 100 homes
Each year we have a
Christmas Walk Around. Everyone puts a table out with beverages or goodies of some kind and we all walk around and visit. This year I am doing Oreo Truffles again because they were a big hit last time.
nursing homes
The most popular person in a nursing home is a man who still drives. He has all the widows he wants lined up.
Darling dog homes s/m

This was on Kim Komando's Cool Site of the Day.  Thought y'all would enjoy these! 



Must be nice to have 3 homes........ LOL!!
))
In most states...sm
From my own personal experience, in some states child support is until the age of 18 UNLESS the child is going to college full time, in which case it runs until 21 or the time the child is no longer a full time college student. That's how it was when my sister and I were covered under child support from my father, and that's what it is here in a different state for my ex-husband to pay for his son. :)
I know they have nursing/rehab homes that do this - sm
My mom was to go to one to get her strength back, do rehab, etc. when she was sick 2 years go--unfortunately she died before that could happen though. My dad though had requested I go up every weekend to help him out once my mom was home (4 hours away), which I would have done. In your case I think it is pretty nervy of her family to ask you to take on this huge responsibility. They should either arrange for her to go to a good nursing/rehab home to get the care she needs, or if they want her to stay with you (why can't she stay with any of them?) and hire a 24-hour nursing service to take care of her, then fine. I suspect they do not want to pay for anything (they see you as free labor), and as she has no insurance she cannot foot the bill herself. I'd lay out for them what your day is like (full schedule) and how it would be impossible for you to do your job (and keep it) and take care of your MIL at the same time. You can always see if you can go PT and tell them they have to pay you for the difference you would be losing in pay in order to take care of her properly (if you decide to do it); or you take a leave for 3 months and they pay you your full salary, see what the cheap skates say then. Good luck.
are they going to fine nice homes for them?
nm
No one maintains me, remember the 2 homes I had
I sold them for loads of $$$$$ before the housing market tanked. Made enough that I maintain myself very well, thanks.
However, mobile homes & trailers DO have a tendency to
;D
Google can now see via street view INTO HOMES
Google Zooms In Too Close for Some
"
Jim Wilson/The New York Times

Mary Kalin-Casey and her cat, Monty, at home in Oakland, Calif. A Google map service can zoom in so closely on buildings that it has caused Ms. Kalin-Casey and others to complain to the company and on blogs.









By MIGUEL HELFT

Published: June 1, 2007


OAKLAND, Calif., May 31 — For Mary Kalin-Casey, it was never about her cat.




"

Monty the cat was visible in a photo showing a street in Oakland.


Ms. Kalin-Casey, who manages an apartment building here with her husband, John Casey, was a bit shaken when she tried a new feature in Google’s map service called Street View. She typed in her address and the screen showed a street-level view of her building. As she zoomed in, she could see Monty, her cat, sitting on a perch in the living room window of her second-floor apartment.


“The issue that I have ultimately is about where you draw the line between taking public photos and zooming in on people’s lives,” Ms. Kalin-Casey said in an interview Thursday on the front steps of the building. “The next step might be seeing books on my shelf. If the government was doing this, people would be outraged.”


Her husband quickly added, “It’s like peeping.”


Ms. Kalin-Casey first shared her concerns about the service in an e-mail message to the blog Boing Boing on Wednesday. Since then, the Web has been buzzing about the privacy implications of Street View — with varying degrees of seriousness. Several sites have been asking users to submit interesting images captured by the Google service, which offers panoramic views of miles of streets around San Francisco, New York, Las Vegas, Miami and Denver.


On a Wired magazine blog, for instance, readers can vote on the “Best Urban Images” that others find in Street View. On Thursday afternoon, a picture of two young women sunbathing in their bikinis on the Stanford campus in Palo Alto, Calif., ranked near the top. Another showed a man scaling the front gate of an apartment building in San Francisco. The caption read, “Is he breaking in or has he just locked himself out?”


Google said in a statement that it takes privacy seriously and considered the privacy implications of its service before it was introduced on Tuesday. “Street View only features imagery taken on public property,” the company said. “This imagery is no different from what any person can readily capture or see walking down the street.”


Google said that it had consulted with public service organizations and considered their feedback in developing the service, which allows users to request that a photo be removed for privacy reasons. A Google spokeswoman said the company had received few such requests.


For instance, Google worked with the Safety Net Project at the National Network to End Domestic Violence, which represents shelters for victims of domestic violence nationwide, to remove pictures of those shelters. “They reached out in advance to us so we could reach out to our network,” said Cindy Southworth, founder and director of the organization.


Not everyone believes the service raises serious privacy concerns.


“You don’t have a right to ‘privacy’ over what can be seen while driving the speed limit past your house,” wrote a Boing Boing reader, identified as Rich Gibson, in response to Ms. Kalin-Casey’s complaint. Others dismissed her as a crazy cat lady.


Edward A. Jurkevics, a principal at Chesapeake Analytics, a consulting firm specializing in mapping and imagery, said that courts have consistently ruled that people in public spaces can be photographed. “In terms of privacy, I doubt if there is much of a problem,” Mr. Jurkevics said.


Still, the issues raised by the service, thorny or merely funny, were perfect blog fodder. The hunt was on for quirky or potentially embarrassing images that could be found by wandering the virtual streets of the service.


There was the picture of a clearly identifiable man standing in front of an establishment offering lap dances and other entertainment in San Francisco. The site LaudonTech.com showed an image of a man entering a pornographic bookstore in Oakland, but his face was not visible.


Others pointed to pictures of cars whose license plates were clearly readable. One pointed to images captured inside the Brooklyn Battery Tunnel, a controversial location for photography in this high-security era. On Lombard Street in San Francisco, various tourists who had come to photograph the famously curvy street were photographed themselves.


Google said that the images had been captured by vehicles equipped with special cameras. The company took some of the photographs itself and purchased others from Immersive Media, a data provider.


“I think that this product illustrates a tension between our First Amendment right to document public spaces around us, and the privacy interests people have as they go about their day,” said Kevin Bankston, a staff lawyer at the Electronic Frontier Foundation, a digital rights group. Mr. Bankston said Google could have avoided privacy concerns by blurring people’s faces.


Back at her apartment, Ms. Kalin-Casey acknowledged that plenty of information about her — that she manages an apartment complex, that she was an Editor at the film site Reel.com — is already easily accessible through Google and other search engines.


“People’s jobs are pretty public,” she said. “But that doesn’t mean they want a shot of their sofa on Google.” She has asked Google to remove the image of her building, which was still online as of Thursday evening.


When a reporter first arrived to interview her, Monty the cat was visible in the window.


 


http://www.nytimes.com/2007/06/01/technology/01private.html?em&ex=1180843200&en=83156047690c5c2c&ei=5087%0A


Tina goes between homes in Zurich & S. France...

she was smart to do that....and she formerly had homes in London, then Germany, before locating to Zurich, and has had a home in S. France since the 80s, I think.....


She did not look like she had a total facelift to me last night....I thought perhaps a brow lift and definitely cheek implants - they are too big for her face and she looked like she had a very chubby face due to that, IMHO.....


In the credits it states that some of the
eliminations are discussed with the producers. 
Going to the source and this is what the CDC states about
HPV in men.

http://www.cdc.gov/std/hpv/STDFact-HPV-and-men.htm#cancer
No, actually one of the lowest COL states in the U.S.

Oklahoma.


I have a friend who works cleaning houses (we decided it would be too weird for her to clean my house) and she charges $30/hour. It works out to about the same thing - it takes between 2-3 hours to clean my house.


Not true in MOST states
I believe Idaho is the only state where the age of consent is 18, most states are 16. And even then, the perp usually has to be at least 4 years older. Even if this was true, this would of course be the absolute worst thing to do. She's 17 and it sounds like he's only a year older. This would definitely ruin your relationship with your daughter. If she just lost her virginity at 17, that's not bad nowadays anyway. I know it's hard to hear that your baby is growing up, but just make sure she's completely educated on everything that goes with having sex and hope that she'll make safe decisions.
just so you know, many states have laws
against any corporeal punishment now, especially for "kinship" care (relatives raising kin children). For example, in many states I cannot even give push ups or running laps as punishment, forget about spanking! And throwing cold water on a child would get the child taken away from me. There are laws you can't withhold food as punishment or send a child to be early. There are over 5 million children being raised by relatives and just under 600,000 in state foster care. Things ARE much different now.
there's a states forum here, hit TX once there..NM

Go for it. Most states cannot even get decent
immigration reform laws passed because of the business lobby. How about we take all the out of work American and have the states and feds hire them as immigration officers? Then they could have decent benefits and there might be enough manpower to hunt down all the hundreds of thousands illegal immigrants and immigrants who do not speak English (what is that threshold going to be because I know some teenagers who are deficient in this area) and then we can process them all (more jobs for OOW Americans) back to their countries of origin. Of course, we would have to raise everyone's taxes to pay for all the salaries and benefits of all the new government employees, the holding facilities, the transportation and court costs. And of course, prices would go up across the board for goods and services that previously used cheap labor, and all those signs in Spanish and Vietnamese and Portuguese and whatever else can be repainted or reprinted in good ole American English, which our kids won't even be able to read because of the rotten public school systems where we had to pull even more money out of to pay for all the additional immigration reform costs. Then we can write all new, mega-restrictive immigration laws and create new testing centers and monitoring laws and now all the immigrant rounder-uppers can become babysitters, or maybe we could just section off part of the country, say....North Dakota...as a holding area for potential immigrants to stay for an allotted period of time until they are able to pass all the benchmarks for citizenship within the designated time frame. We can implant RFID chips in each one so we can easily track them down if they escape. If they cannot meet the requirements and don't freeze to death or get trampled by a buffalo herd, then they are sent back to their home country to try again in 10 years or never. We can then tear down the Statue of Liberty and return it to France.
Some States will allow you to transfer
your kids to a public school in a different town/district but you have to pay A LOT of money to do so. Many times it' just as cost effective to send them to a local private school rather than a public school in a different district.
Premarin foals and mares in desperate need of homes

If you can help or know anybody who can, please visit the below site and let people know, there are some really beautiful foals there that desperately need homes, please help.  All for the animals.


http://www.theanimalifarm.com/


I've been in homes with intercoms wired into each room.
nm
I don't know where you live, but all of our family pets are buried at their homes. SM
I truly feel for you and am actually hurting looking at this beautiful dog's picture. What a joy they are, and such a wonderful breed. I pray everything you want to do for him is a possibility. Just try to remember, the love never, ever ends. That is permanent, and nothing and no one can take that away.
Read the papers, duh! People are losing their homes
for getting into this stuff.

Goes to show, you aren't that smart. Money in bank getting interest only. Come on lady, what planet do you live on? You are full of it. You are depending on the two most unstable things in the world right now. Talk about planning.
eBay policy states.....sm
that the sender has 30 days to send the product. If they don't or can't prove they sent it then you can file a complaint with eBay, and they'll check with the seller who will have to either prove they sent the item (i.e. provide postal information with confirmation #s, insurance information, etc) or the seller will have to refund the money. They do tell you that if the seller has "disappeared" that they may not be able to get the money back; however, at the same time they will block them from selling again. My husband & I have bought a lot of stuff on ebay as well as sold a lot. We always ship within 72 hours and most items we've won we've received with a week. I did have one purchase that the seller kept coming up with excuses for not sending it until the 30 days came and eBay contacted her to ship it or else and she finally sent it... but she did refund my shipping fees because of the aggravation and she wasn't asked to do that.
I just heard on Friday that one of the states out
west is considering paying the mother $500 to carry her child to term rather than have an abortion!!! They feel the mother will want the money and carry the child. When will this madness end?
I heard that in some states you can bill the MD

I heard this quite a few years ago, never tried it....but our time is as valuable as anybody else's time (outside of emergencies/extenuating circumstances) and I worked for an MD who kept the patients waiting for 5 hours in his waiting room....the elderly were the victims in this case....it was 20+ years ago.  And don't you just hate waiting in the waiting room for over an hour and then waiting in that examining room for any length of time beyond 10-15 minutes?!?!  Usually a 30-45 minute wait and I don't like that either....


Most of us have places to go, people to see, things to do.....all as important as anybody else.....they are not gods....far from it, actually.


Yeah, they pay our bills/mortgage/rent but doesn't mean we have to like 'em....*l*


thanks for the place to vent...


I think different states may differ in rules...
but the answer was yes in my case. He "quit claim" deeded the house to me, but the mortgage was still in both names. No way is a bank or mortgage company going to let one off the hook in case the other defaults.

Hope this helps.
Same here - retire, hop in an RV, travel the states!
x
if he states he thinks he may be an alcoholic, he is asking for help
nm
I thought in most states kids had to be 12 or at least 10 -sm
to be left alone w/o an adult. So even if your state is 10 they are in the wrong for having an 8-1/2-y/o look after a 6-y/o. CPS or whoever should put a stop to that right away I would think. I would report them and also apply for formal visitation via grandparent rights and get it on the records in court. If things escalate with the abuse maybe try for temporary custody of the child (with the aim of getting full custody in the future). I am guilty of sleeping in until 8 or even 9 sometimes but my DH is up at 7 or earlier with the kids and they are 8 and 10 and I don't have to worry too much about them doing stuff they shouldn't. Plus I am usually awake, just lying in bed trying to go back to sleep which never happens!
Should smoking ONLY be allowed in private single family homes

March 14, 2007— Dozens packed the Belmont (California) city council chambers tonight for the first public airing of a new smoking ban proposal.


The law would give Belmont the toughest smoking ban in the nation — possibly in the world.


The crackdown aims to curb the harmful effects of second-hand smoke by preventing puffs not just in parks and around public buildings — but in private apartments and city streets as well. If the law passes, the only places left in Belmont to smoke would be single family homes and private cars.


Mayor Coralin Feierbach says the proposal was made to protect residents who suffer from health problems aggravated by smoke.The council didn't take action tonight. It's just the first of several meetings to discuss the proposal.


Wal-Mart corporate policy states....sm
that if you ask the person at the kiosk overseeing the self-check out lines to check you out they have to. Wal-Mart has gotten a bad reputation for not hiring people and then claiming their lack of check out lines being manned by humans is due to not having enough staff. Bull crap - if you pay well you can get good employees. I NEVER check myself out and provide free labor. I rarely go there but when I do, if there's more than 4 people in line ahead of me then I go to the self-check out lines and have the person overseeing them check them out. A couple of times they gave me flack about it and I requested the store manager be called... and then the store manager made them ring me up because the manager knew it was corporate policy.

My husband has asked the manager why they even have 20 checkout lines when he's never seen more than 2 cashiers working at any time of the day. Good question I say!
Of course not - The United States show some dignity?
So typical of our so-called institutions of higher education taking cheap shots at an INVITED speaker.

As to cruel and petty dictator, you have to look no further than the Whitehouse...
CASA, etc in many states have been known to threaten kids...
Without seeing the tapes, etc, I can't blame the kid, especially not knowing the age. Mine, at 7, was chastised by the court-appointed social worker and GAL (guardial ad litem)about not wanting to be with her dad, even though the social worker had learned and verified that her dad had molested another child and attempted to molest an animal (not to mention all his porn they found). Courts and court-appointeds were determined she would "learn to like" her dad,and it was all my fault that she didn't. According to them, he was only trying to help her relax when he had her hand up her nightgown. I have the only appeals court record in the country that I know of (has been cited in several court analyses nationwide) where they specifically stated it is "normal male behavior" for a 50-YO man to be looking at pix of girls believed to be 12 to 15 years old. She is back home with me finally and recovering from the nightmare, but it was not done with any help from the family courts. The Titleman case is the only one to actually be accepted by the US Supreme Court for review.
some of these states make home visits
monthly to monitor, speaking with the children in private, so ya, it could happen. Educate yourself on the laws of your state and then give yourself a break.
Schools' hands are tied in many states....
My daughter teaches third grade. This year, she had a child from Yemen, an Arabic country. His dad, who barely speaks English, bought a convenience store and ran that. His mother speaks NO English. His older brother of two years understands a little more English and can speak it better though. But my daughter's student can't even read the instructions, read English, take a test, nothing. WHat is more frustrating, she is still expected to teach him like the other children (they have no special teachers for ESL students), even though she can't communicate with him. His father is very considerate if he is absent and writes her a note (very badly written at that) but that's all. Now get this....he can't understand anything in class, my daughter is expected to just give him F's or whatever and just keep going, BUT when standardized testing is going on, she is REQUIRED to count his grade in her overall classroom score, which brings the overall score DOWN. Now how dumb is that? This was going on all year but she went in last week, no child, no explanation. She gets a call from the office asking to look in his desk to check for any books he may have left. Come to find out, she was told he and his family had been put on the next plane OUT of the country and back to where they came from. We believe they were here illegally BUT how did they get here, buy a store, and go about their business? Our government allowed their being here....they should be required to explain why that family was here in the first place and why they suddenly disappeared. Our government is so busy trying to cater to everyone, they are screwing the rest of us.
Contact a local realtor who buys homes. There are people in your area who will buy sm
buy your house if you are in foreclosure so that this doesn't happen to you. Look into it ASAP!
With the prices of homes and property taxes today, just about everyone is house poor.
It's so sad when you can't go out to dinner often, buy nice expensive things for yourself *just because*, go on lots of trips, go to sports things, see shows/concerts, etc., all because you own a house. I'd truly rather rent and ENJOY my life! :)
Some states require a Doing Business As license if you work
s
Smokers inflict cancer causing agents to people every day, but there are states that

public places anymore and I say, hurray, it's about time!  The state of Arizona passed a law overwhelmingly to ban smoking in public places and now it's in effect.  If you're caught smoking in a public place you'll either be told to put it out, leave, or be arrested.


Speaking of walking through smoke when going in or leaving a store, I know exactly what that poster means, the only thing is I had to bring my child into that store with me.  Prior to the new law, I told the manager how awful that was for me and my child and they had the trashcan/ashtray units moved further away.  Still, it amazed me that people would still stand right there at the door and puff away with no regard for anyone else.  Well, now, they really have it, but good. It's ILLEGAL to smoke anywhere near a public location, ie grocery stores, malls, library, hospital, any other stores and they can't smoke outside the doors or even on the property itself. 


LEA, S-team, M-team can be virtually translated to different states...
the LEA is your local education area (school district) and a universal term. The M-team is "multidisciplinary team" consisting of various teachers, parent, and minimum of the school psychologist. That's what we had (gifted being considered special ed, too, but not funded in all states). S-team is a "specialist focused team" consisting of the M-team and at least 1 specialist in the disability. This should be what you have. The rules surrounding an IEP are federal. Individual states can only add to who qualifies for one, and the LEA just has to follow the rules.

You can request a new IEP meeting at any time. Do it in writing, setting forth (including documentation if you have any) specifics of the issues that have been apparent since the last plan was put in place. Request that the new IEP meeting include an autism (should also include Asperger's, though I'm not well-versed on the condition) specialist furnished by the LEA if your team does not already include one. They are required to convene the meeting within 30 days of your written request. Once the plan is signed, it is considered an agreement and cannot be challenged, so you can't challenge the one he's on now. That's why you want a new IEP meeting to formulate a new plan. If you get no relief from the new plan, DON'T SIGN IT. In the signature line, write "DO NOT AGREE". Find a specialist or psychologist in your area (this will be your expense) to support your position, and file the appropriate paperwork. If they refuse to convene the IEP meeting, contact your special ed liason at the state board of education. They should help you navigate the paperwork further from there because the paper trail will flow differently from state to state.
you should have bought it together.
my husband adn i shop together at the sex shops. i would be angry too if you were trying to hide it.
What GPS was that you bought ? ...sm
I am terrible with getting around. I could get lost easily and the older I get the worse I get with not wanting to drive. I would love a GPS that has the capability of telling you exactly when to turn etc. I have no sense of direction.

Thanks


I just bought something like that, it was about , sm
$14.00. I have 2 cats and they would just play with the mouse, so I thought I'd try something to keep it away.

I just bought it the other day and so far no sight of the mouse. Hope it keeps it away.
I bought one...sm
I just bought one this weekend for my 6yo son. He LOVED it. I made the outside only rule too and so far he has obeyed. It doesn't hurt to get "hit" with one and it seriously provided hours of fun for him.
Just bought my mom...
I just bought my mom Paula Dean's set which you can purchase at Wal-Mart. It is stainless as well.
I will take more than I bought in the first place
if they don’t cough up the $700 plus Tuesday morning and according to what (if that is the way it goes) it brings in on the court house steps, then I get % and the courts take % but not as much as mine. I can hardly wait until Show-Down at the OK Corral Tuesday morning. I just get ticked off thinking about their nerve.
Our son just got married in May and I bought
Regularly $129.00 and I paid $35.00 for it, so it is not necessary to pay a lot of money, the sales are out there. The colors were blue and gray and I wore a darker pink dress (not bright) and it worked out really well. I am a larger sized woman and the dress looked very nice in my size. I wish you the very best.