Have you ever had to move because of a tree? Well, a giant tree pretty much obliterated part of the house we were renting. We needed an excuse to move, and this was a get-out-of-the-lease-early card we had to play. Renter’s insurance covered losses, and no one was injured. We looked for Manassas apartments to move a little closer to where we worked. We just needed easy access without driving to a VRE station. This way we could hop a train to work every morning without having to even get in our car. Before, we would drive to a train station and then go into DC. Then there was the ride back to our car then home. We worked the same hours, so it was easy to coordinate our commute together. Continue reading Being the First Tenant in a New Apartment is the Best
Our central air system was run over by a truck. I know that sounds impossible, but it’s not. My husband was loading up some tree branches he cut down in our back yard. He had a full pickup truck load he was hauling away. The only way into the back yard was between the house and the garage. It is a narrow space that also has our central air condenser unit there. He backed out the same way he pulled in and hit the AC unit. I called a place that does air conditioning installation in New York City to come out and replace the system.
It was about 15 years old anyway. It still worked, but the new ones would be more energy efficient. I kept telling my husband stuff like that to make him feel better. Continue reading Have You Ever Heard of Someone Running over Their Central Air System?
With rising inflation, many older people find that their savings are not sufficient to cover expenses and there are no opportunities to work and make some money. So if they own their house, they get some money for their daily expenses and financial emergencies, by getting a reverse mortgage on their house. The reverse mortgage is especially useful for those who do not have any children or close relatives who will help them financially or otherwise in their old age . Details of how reverse mortgage can benefit your family are discussed for the benefit of elderly individuals who are looking for additional funds.
The home owned by an individual or family is the most expensive asset and investment made by the family, and if there are no children, after the death of the family members, the home usually will be inherited by a distant relative, who did not have the time or inclination to care for the family members when they were alive.
A home is a valuable asset, and a reverse mortgage allows the home owner to financially benefit from the the home, as the reverse mortgage provider will get possession of the home, after the death of the family members if a reverse mortgage deal is finalized with the family members owning a home.
Lack of money can cause great financial hardship during old age, as there are many expenses, and limited sources of income, as there is very less work available for a older person. So getting a reverse mortgage can help the family access the funds they urgently require, to lead the lifestyle they are used to, and pay the daily expenses without any difficulty.
The family can choose to receive the reverse mortgage amount, either as a lumpsum or in monthly or regular instalments. However most home owners prefer to receive the reverse mortgage amount in monthly installments as many of the regular expenses like utility bills are periodic.
The lifespan of an individual depends to a very great extent on hereditary factors, and if family members have lived for a long period of time, a person is also likely to live for long. In these cases, it is highly recommended that the person opts for a reverse mortgage, to receive a regular income for the rest of his or her life, as the value of the home will also increase over a period of time. The money from the reverse mortgage will also help the family to pay for other expenses like medical expenses, repairs to the home, property taxes. So taking a reverse mortgage will ensure that the family is financially independent and does not have to depend on relatives, friends for their regular expenses.
Most of goa’s problems like the lack of investment and jobs is related to the fact that mediocre inexperienced lazy greedy frauds like the google, tata sponsored R&AW/CBI employee goan gsb fraud sex worker diploma holder siddhi mandrekar , goan obc bhandari sex worker sunaina chodan, 2013 bsc, goan gsb fraud housewife riddhi nayak, eighth standard pass gujju housewife naina and other frauds are given great powers and a monthly indian government salary for faking their resume, investment and online work.
Later these frauds like siddhi are complaining in social media about goa’s problems, how when she, her friends and relatives want to monopolize all positions of power, with a fake resume, fake investment and fake work, naturally their contribution will be less reflecting their real competence, experience, work ethic and exposure to different systems.
If the goan frauds like riddhi, siddhi, sunaina had wanted the best for goa, they should not have agreed to the google, tata masterminded resume theft fraud, and ensured that a person with real merit and experience, got the position they currently have. Just like a company with inexperienced lazy mediocre fraud employees is likely to collapse, goa is also facing problems due to reservation for inexperienced lazy frauds like sunaina, riddhi siddhi in top government jobs with fake resumes.
Most lenders are checking the credit score and credit record of the borrower before approving a loan, and a borrower with a low credit score is likely to find it difficult to get a loan as the possibility of a default will be higher. However there are some lenders who are offering bad credit loans to borrowers after taking a calculated risk. For example in some cases, a few borrowers may have a poor credit score due to factors beyond their control. If a person is travelling or is hospitalized he or she may not be able to pay the bills or loan installment in time, adversely affecting the credit score. So the lender may take a calculated risk in these cases and offer bad credit loans.
However in most cases, the interest rate charged for the bad credit loans will be higher compared to conventional loans offered by the same firm. The repayment terms and conditions for these loans are likely to be more stringent also.
In 2012, after being elected the goa government announced a large number of welfare schemes, hoping that it would win the elections more easily in 2017. However in 2017 elections, the BJP seats reduced to a great extent , allegedly due to corruption, land grabbing by some ministers especially in north goa. Realizing that the welfare schemes had not creating a loyal vote bank and was increasing the debt of the government, to the central government, many of the schemes have been curtailed or cancelled.
For example the government was paying Rs 1500 monthly to all housewives in Goa, however now it is not accepting new registrations as the scheme is under review. It appears that most indian states are not managing their finances well, and rely on loans from the centre. For example the central government decided to release the tax revenues to the states only once in 3 months, and some of the state governments protested, with West Bengal writing to centre according to media reports as they are facing a fund shortage.
On the other hand, indian citizens who manage their money well, are falsely labelled a security threat, to waste tax payer money to harass, defame, cheat, and exploit them, instead of using their money management skills.
We got a little carried away dreaming of what we wanted in our next apartment. We got through the standard things pretty fast. We wanted big walk-in closets, stainless steel appliances and for it to be pet-friendly. Then we started adding things we thought were goofy such as heated garages, indoor swimming pools and hot tubs and even underground tunnels to get to apartment complex facilities. Imagine our surprise when we found apartments near Edina MN that offer all that and more.
My wife called me into our home office one day and asked me if I remember the silly things we put on our apartment list such as heated parking. I told her I remembered, and I was shocked to find out that there is actually an apartment complex that offers underground heated parking for residents. No more freezing cars in the winter with snow and ice piled on top of them. She told me they have an indoor heated pool and spa as well as a sauna too. Now she was talking my language. Continue reading The Amenities Can’t Be Beat at Our Cedars at Edina Apartment
When my husband’s mother decided to move to Charlotte with us, we all knew that it would be better to just look for a two bedroom apartment that was large enough that we would not get on each other’s nerves. I knew that we would be able to find a nicer place since we were sharing the costs, but I honestly did not expect to find something as nice as CityPark View South. My mother in law is the one who found it, and it has turned out to be the perfect answer for all of us.
The reason she wanted to move with us is because my husband was getting transferred to Charlotte from our hometown of Hartford. If we were only moving an hour away, she would have stayed in Hartford. However, it would take a plane ride for her to come and see us or for us to go and visit her. She has a few good friends in the city, but they were not worth her losing daily contact with the only two family members she has. Continue reading We All Moved to Charlotte Together
At the end of the last semester, a classmate asked me where I was going to live next semester, and I told him that I would probably find some place on campus. He told me that he wanted to get an apartment, but didn’t have anyone to room with that could split the cost, and asked me if I wanted to room with him. Since the cost of an apartment divided by two people would be less than campus housing, I said yes. He already had some ideas about which of the apartments in Brandon he wanted to live in during the semester.
My classmate knew a lot more about the apartments that were for rent in Brandon, so we went over the ones that he had already picked and chose one that was suitable for the both of us. While were not going to school in Brandon, I live in Tennessee, and my classmate lives in California. Continue reading Teaming Up for a Residence
It appears that the central government is reducing expenses and states like goa are finding it difficult to get more loans from the central government. After ending the free internet scheme, a local newspaper also reported that new applications for monthly help to housewives of Rs 1500 per month had been stopped as the scheme had already reached a limit of 1.52 lakh housewives . While the existing housewives will continue to get the money, no new housewives in goa will get any help. Elections are due only after 5 years in goa, so the government can afford to reduce freebies.
However R&AW/CBI/indian intelligence employees continue to waste a huge amount of indian tax payer money on well connected sex workers, cheater housewives and other frauds with fake resume, fake investment and fake work online.