20 Percent of Americans are delinquent on their mortgages.
Date: Friday August 21, 2009Posted in: Uncategorized
I just heard on the Radio today that a new report shows 17 percent of Americans, are delinquent on their mortgages and I know this to be accurate. I actually think it is higher in South Florida. I know of at least 1 out of 5 of my acquaintances are not paying their mortgages and yet they all think that they are doing the right thing.
They all have some lawyers who are basically telling them to do this, in order to pressure their banks into giving them a better deal on their loan modifications or to help them to do a short sale. This behavior is shameful and inexcusable. I really consider them as jerks and as you notice I refer to them as acquaintances rather than friends. These people are really fresh.
I told some of them that even if they have a very high mortgage, well then they should try to pay at least half, or make at least one payment every two months. But instead these people are living the good life. They have plenty of money for food, beer and the finest liquors. They are wearing the latest name brand clothing and they go to fine restaurants almost on a daily basis.
Some of these people are not even paying their homeowners association fees, which has led to a recent increase in my fees. This means that I have to pay for their good life.
I still pay my mortgage and other housing related expenses of over $2000 per month, even with a temporary pay cut, I still keep paying. This sometimes means that my family barely has money to buy food, other than the bare necessities, we live each month pay check to paycheck, but we still pay our mortgage on time every month. We believe that sacrifice shows integrity and that is something that these other people lack.
Now the worst part is that some new laws, recently passed by congress are actually helping these people. They are living off of my future tax dollars and a hyper inflation that is bound to come rolling out in the near future. Actually it is already beginning as food and gas prices are slowing creeping up.
I am not an evil person, but I really hope that somehow the banks take away some of these homes, rather than giving these people a modified loan. At least one of them needs to learn a lesson and then pass it on to the rest of their circle of friends and family.
Another IT adventure: I still can’t find all the XP drivers for a Toshiba A135 Laptop.
Date: Wednesday April 16, 2008Posted in: Computer IT, Uncategorized, Windows, Windows XP
I have this Toshiba Laptop - South American or European Edition.
Model = A135-SP4796
Ever since I downgraded it from Window Vista - Basic Spanish Version, I am having a hard time finding all of the XP drivers. For starters, Toshiba will not help. They have some kind of evil agreement with big Microsoft, not to make it easy for anybody to put XP on it. But I am stuburn, I had Vista. I think Vista is the worst OS that MS has come up with. I do not no many people who like Vista, not even in Big corporate Offices. Everybody is still using Windows XP.
I had started a few weeks ago on this Laptop which belong to my niece. I found some drivers on Hardware Central and Geeks to Go Forums and that helped me to get the Wireless card drivers, The video and eventually the sound to work. Now I am working on it again. I am trying to find the 2 missing drivers:
1) Ethernet Driver - which I can do without as long as I have the wireless working
2) Mass Storage Device - The lack of this prevents me from connecting camera’s USB flash drives or IPODS to it.
Does anybody know who manufactures these 2 parts, The driver has got to be out there somewhere and I will not stop searching until I find it.
Also I hate Toshiba - Curse them for not helping all of us that resist Vista!
I almost put Ubuntu Linux, but thought that my niece who is 12 years old may not know how to use it!
Please post comments below. Thanks!
Summary of Blog Somebody: This blog is for everybody.
Date: Wednesday February 7, 2007Posted in: Uncategorized
Here are some of the recent topics of this blog
2) Personal Loan are sometimes better than Equity lines of credit Some personal loans offer rates of 5 percent or less at a fixed rate While most Home equity lines charge you the prime interest rate of 8.25 percent and even though they tell you that you can same money on your income tax return the truth is that it still is not worth it. the tax savings is often less than 10 percent of your income and this amount can be a very samll savings compared to the higher prime interest rate of 8.25 percent So if your payment on 50,000 loan is only $210 a month at 5 percent rate, then then why should you pay $350 for an equity loan where even if you subtract the $50 tax savings you still end up paying $90 extra per month.
3) How to win the war in Iraq? Its easy
We need to let our the FBI and CIA, run the operations much more like Jack Bauer does in the FOX TV show 24. I know some Muslim groups concerned about Fox show 24, but that usually are the ones that may actually have something to hide. Our civil libertys are protected especially when we are good people and have no criminal intentions to hide. Like those who send money to bad people they should be punished. And in jail you do deserve to have less freedom.
4) We need to do something about the high price of Homeowner insurance and taxes in South Florida.
We need to crack down on insurance Fraud and overpayments from insurance companies that are driving up the cost of living in south Florida. This may create a Real Estate Bubble worse than that which happened in 1920’s
Yes there was a bubble in the 1920’s and this can and will happen again if we do not stop these tax and insurance increase from ruining our economy. We really should use sales tax as a way to defend our economy.
5) Fight back again evil homeowner associations.
This is like legal communism and we must learn how to fight back against them we live in a free county, so do not let a bunch of lawyers come up with rules that go against the freedom that we deserve in America.
6) The new Homestead Hospital in South Florida
This new Hospital will really help create new jobs in Homestead and South Miami and it will give a little boost to the currently flooded Real Estate market in the area.
I have heard rumors that it will be finished very soon, perhaps my mid April 2007. So if you own a house down there. do not sell it yet.
