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First Draft Excerpt from Moving The Pieces
Copyright 2021 Dan Melson. All Rights Reserved "Are they gone?" A young girl peeked her head out of a back room at the far end of the hall, then came into the hall when she saw the three of us....
My Published Works and the Series Order (and Upcoming Work)
I get requests for which books follow which, or in which series, so here they are. All of these are available in either e-book or paperback, from either Amazon or any of the Books2Read retailers. Set in The Empire of...
First Draft Excerpt of Work in progress
The first warning they had was the general alarm. WARNING, MINTARA IS UNDER ASSAULT. DEMONIC FORCES AT LEAST TWENTY FIFTHS IN NUMBERS HAVE GATED ONTO THE PLANETARY SURFACE. MOST SEEM TO HAVE ARRIVED IN AREAS NEARBY BUT OUTSIDE MAJOR CITIES....
Economics and Resources and Scarcity
I just got done reading a bad science fiction novel. Part of the reason it was bad was because the author did not understand economics, being so eager to mock capitalism that he got caught up in things that capitalism...
Preparations for War - Series Overview
The premise of the series is that the Empire has discovered a planet orbiting Epsilon Indi held by the fractal demons, where they have been breeding enslaved humans for several thousand years, hoping to create human serfs who can compete...
By Way of Apology For My Skepticism
I have a problem with shaving. Specifically, the fact that I have extremely tough facial whiskers, combined with facial skin that's the classic easily cut baby face. Put it all together, and not only do I hate shaving, I quite...
General Consumer Articles: Weeks in Review May 11th-May 31st
Last makeup week. Let's hope I don't let this get behind again! Newly Written Articles You Want an Agency That Can Pay ENOUGH Attention to YOU: Just because they sell a lot of properties doesn't mean they do a good...
New Consumer Article: Student Loans and Real Estate Loans: Default, Repayment vs. Nonpayment and Consolidation
The new consumer article for today is Student Loans and Real Estate Loans: Default, Repayment vs. Nonpayment and Consolidation. These are the three issues that are most common for loan applicants to run afould of....
State of the San Diego Real Estate Market March 2009
Reminds me of this gold rush movie (one that I recommend watching if you have a chance) Okay, it's not quite like that, but correctly priced properties are flying into "Pending". It has to do with supply and demand. At...
What Sort of Loan Can I Get? (October 2008)
Having had two separate very qualified buyers ask me if they could get a loan in the last two days was kind of an eye opener to all of the hype out there about how difficult it is to...
New Consumer Article: "Buy and Bail" or Buying One Home Before Foreclosure on Another
Today's new consumer article is "Buy and Bail" or Buying One Home Before Foreclosure on Another, describing lender response to what has become a widespread phenomenon, as people think they are somehow saving themselves money try to defraud lenders in...
Non-Recourse Purchase Money Loans in California
do you agree that a non recourse loan on a single family home is loaned with out financial risk to the borrower... if they do not want to keep their home when the market drops below what they owe,...
What Happens To Equity During and After Foreclosure?
"what happens to your equity when the bank forecloses" was a question I got. The answer is that most, if not all, will be dissipated by the foreclosure. Let's say you own a home currently valued at $500,000, that you...
California's Home Equity Sales Contract Act
A while ago a reader gave me a heads up that Illinois HB 4050 was hurting residents of certain poverty stricken Illinois Zip Codes. Now I have to pick on our own state: California law generally requires special handling of...
Buying or Selling Subject to Existing Deeds of Trust
This is something that often happens with highly appreciated properties where the owner can no longer keep up the payments, they get hit with a notice of default, and along comes Joe or Jane seemingly riding to the rescue on...
The Three Purposes of Real Estate Loans Defined
Purchase Money: This is a loan that enables you, in combination with your down payment, to actually purchase the property. If you spend cash to buy the property and get a loan the next day, that is not a purchase...
Mortgage Lenders Don't Want to Compete on Price
Yet that is exactly what you want them to do. To avoid competing on price, they have all kinds of distractions they offer to make life more convenient, but not cheaper. They offer automatic payment options, the convenience of having...
Can I Afford This Property?
Cold Hard Fact for today: The average Real Estate Agent or Loan Officer is not motivated to tell you that you can't afford your property. For the agent you are trying to talk people out of a property after they...
Mortgage Accelerator Programs: A Good Basic Idea, But the Devil Is In the Details
The most recent hot thing in mortgage circles is a mortgage accelerator program. Now I've heard other things, most notably biweekly payment programs, called mortgage accelerators in the past, so let me take a moment to define exactly what I'm...
The Best Way to Avoid Default and Foreclosure
We got behind on house pymts & it was sent to an attorney for foreclosure.? The attorney has printed a notice in our paper on Oct 9 that it will go up for public action on Nov.16th. We found out...
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