‘Homeless dumping’ charges for hospital The case against it stems from a March surveillance video showing a 63-year-old patient from Kaiser Permanente’s Bellflower hospital wandering Skid Row in a hospital gown and slippers. Prosecutors describe what happened to Carol Ann Reyes in a 20-page document supporting the false imprisonment and dependent-care abuse charges. “We seek …
Continue reading “The Fifth Amendment and the “Right” to Medical Care”
I am buying a house. I signed the contract but the seller said contingent to sell until she buys new house? Is that normal? People do it. It’s smarter to avoid the stress and complications of dealing with both at once, but there’s nothing wrong with a contingency sale, so long as you agreed to …
A while ago, I had two publishers ask me if I would read books for review purposes on my site. I said that I would be glad to. One of the publishers included this little book on communicating between “suits” (businessfolk) and “geeks” (technical folk). Having a background on both sides of the fence (math, …
Continue reading “Book Review: The Geek Gap By Bill Pfleging and Minda Zetlin”
Most people tend to shop for a mortgage based upon the payment. They figure the lowest payment will be the cheapest loan. This is the way most people make banks rich. Because they are looking for the loan with the lowest rate and the lowest payment, they choose the loan with two or three points …
Continue reading “Payment, Interest Rate and Up Front Costs: Choosing a loan intelligently”
<blockquote>what happens when house doesn’t appraise?<BR /></blockquote> I presume this question meant “for the necessary value according to the lender’s guidelines”. Lenders base their evaluation of a property upon the standard accountant’s “Lower of Cost or Market.” This is intentionally a conservative system, because the lender is betting (usually) hundreds of thousands of dollars upon …
Continue reading “When The Appraisal Is Below The Purchase Price for Real Estate”
I recently discovered the film Secondhand Lions. Robert Duvall, Michael Caine, and Haley Joel Osmont. Beautiful tightly plotted movie, highly recommended, and if it hadn’t been up against Return Of The King it might have won Best Picture. Robert Duvall and Michael Caine are a pair of brothers, old coots who disappeared for forty years …
On of the biggest time and money wasters in real estate is people that apply for the wrong loans – loans that they can never qualify for because they can’t meet the guidelines, or can’t prove they meet the guidelines, which amounts to the same thing. Often, loan officers are the worst offenders, judging by …
Continue reading “Approaching the Loan Application Process – What Loan Will You Qualify For?”
Now through Christmas, the first in each of my five fiction series is on sale for 99 cents in e-book! A duel in the shadows as echoes of an ancient war wash up onto a new planet! Life in the Empire has finally settled down. The last of the ston rebels have taken amnesty, and …
One of the things that always seems to be aiming to confuse mortgage consumers is advertising based upon whether the loan is fixed rate, and for how long. First, I need to acquaint you with two concepts: amortization and term. The term of the loan is nothing more than how long the loan lasts. How …
Continue reading “Amortization: Fixed rate, Balloon, ARM and Hybrid Loans”
Starting tomorrow, I’m going to be potentially out of touch for a few days. Too cheap to buy a month of mobile broadband for a week, and I have no idea if there even is wifi coverage available. The blogs and FB Author page allow scheduling in advance, so I’m taking advantage of it. My …
