Telecom investigating offensive text message (Otago Daily Times …
Telecom is investigating a Wanganui woman's claims she received a text message from a Telecom call centre which said f***you customer after she complained texts to her family were taking hours to get through. read more.
Categories: Telecom Tags: call-centre, complained-texts, family, Telecom, text-message, wanganui
I want to buy a apple laptop that would be used for the …
I want to buy a apple laptop that would be used for the family and we want to be able to use Microsoft software. We also want to use final cut pro and photo shop on it.what can you suggest in Mac laptop?
Feedback needed on getting a foreclosed home.
1st post so hello everyone. Heres my situation. I'm looking to buy a foreclosed home which has more space for my family. The house is priced at $215,000. Its tax value is much higher (don't know if that matters when trying to get a loan). My fiance and I are recovering from loosing our jobs back in 2001. We also had to let some things go in order to go to school. We have both been RN's and at our current job for going on 5 yrs. I have most of out loans in my name and she only has a Sams and Sears card on hers (trying to build her credit) both cards have less than $600 combined on them. Hers our breakdown: Me- FICO score 670 Income- $45,000 Double wide payment $490 Car #1 payment $600 Car #2 payment $290 Sams Card $70 on it. Her- FICO Score 650 Income- $45,000 Sams Card $250 on it Sears Card $300 on it. D/I gets me but she has nothing really on her since everything is in my name. How should we go about getting a loan since we arent married yet? Who should be the primary mortgage seeker? If it can be her we could get the $8000 tax credit couldnt we, since she would be a 1st time home owner? We can put about $10,000 down. The house we are looking at is listed with Homesteps and they have a Smartbuy coupon but it says it expired January 31st...anyone know if the coupon is still good? On Listingbook they said this: "Seller may pay up to 3% closing cost on offer accepted by 4/30/10, escrow closed by 6/30/10, but coupon MUST be submitted with origianl offer. Go to www.HomeSteps.com for istructions and coupon under SmartBuy purchase promotion." Oh on her FICO score it shows that in the 1 month predict FICO score if nothing changes option that her score would be $670-706. Is that thing accurate on predicting future FICO scores? If her score jumps that much then she would be the better option. Is it better to try and get an FHA loan? Any advantage to the house being listed with Homesteps? Message Edited by wanderlaisilva on 02-11-2010 06:48 PM
Categories: mortgage Tags: breakdown, cost-on-offer, family, house, message-edited, mortgage, nothing-changes, says-it-expired, situation
Repayment of $7,500 Tax Credit (loan)
Hey everyone, We were one of the few unlucky folks who got the $7,500 repayable tax credit in 2008. My question is this, we are planning to either sell or rent our condo this year. We know that if we sell it, we have to adjust the basis by the amount of the credit, but once we add back some costs and improvements it's not a big deal. We will almost break even, and thus have the debt forgiven (which is fine). However, we would like to rent the condo out. We have an FHA loan on the property and our lender said that because our family size is increasing (new baby), we will be eligible to use the FHA loan to rent the property out without issue. Our concern is any effect this has on the tax credit. Will we just begin making the $500 payments next year without issue?
Categories: mortgage Tags: 500-payments, 500-repayable, basis, debt-forgiven, family, lender, property-out, rent-the-condo, sell-or-rent, the-property, unlucky-folks
Closed 1/22/10
FICO Family - Thank You for your advice help and encouragement. I started this process in September 2009 and closed on my home 1/22/10 2 days before my birthday. You guys provided great advice and support. Now as I sit in the middle of my game room trying to figure out which box to unload next, I can only say WOW... Thank You!
Categories: mortgage Tags: Advice, advice-help, birthday, family, figure-out, game, Game Room, great-advice, guys-provided, middle, process, the-middle
FHA Changes
Here are the 5 things you need to know about these changes: 1. Changes are effective for case numbers assigned on or after April 5th, 2010. 2. New upfront mortgage insurance premium (UFMIP) will be 2.25% for all purchase and refinance loans. The premium for H4H and HECM is 2.0%. 3. This change applies to all standard FHA Single Family Programs except the following: Title I, Section 247-Hawaiian Homelands, Section 248-Indian Reservations, Section 223e-Declining Neighborhoods or Section 238c-Military Impact areas in Georgia and New York 4. Annual premiums will not change at this time. 5 There will be no discount on the UFMIP for first-time homebuyers with pre-purchase counseling. Message Edited by DallasLoanGuy on 01-22-2010 02:36 PM
Categories: mortgage Tags: change-applies, dallas, family, family-programs, georgia, message-edited, military-impact, mortgage, neighborhoods, reservations, section, these-changes, ufmip
What am I shooting for here?
My husband and I live in a home owned by my mother. We lease it from her and have been for the last 4 years. Last February she stopped using our payments to pay for the house and decided to let the loan default so she could try to get a loan modification. :( Now the home is in foreclosure and we are waiting to see when the courts kick us out. The dockets are packed, and the lawyers told us it could be another year. The upside: We are not needing to make payments to her, so our rent is going into savings. That is 2800 a month directly into an account to save up for a down payment and credit repair costs. We also have made some progress on our credit repair and should be looking good fairly soon. The downside: We will have 30 days notice when the foreclosure is final to get out. That means in 30 days I have to have everything moved, and our family of 5 transfered into a hotel or apt till we can find another home to rent. We would prefer to buy, but I am not sure what we need to be shooting for on our credit, score, downpayment, savings, etc. We want to go through USAA hopefully, but do they only do conventional 20% down loans? an FHA loan would mean much less down, and our savings could go towards any work we want to put into the new home. Are thereother loan packages we should look at? thanks!!
Categories: mortgage Tags: credit, family, foreclosure, hotel-or-apt, house, loan, payments, Rent, thereother-loan
State of Telecom Industry in Pakistan: Zong – Family Pack
Zong has recently introduced its 'Family Pack', by which you, your friends or your family can talk to freely without worry about how long you call and how much its going to cost. Three people call and one pays for all, for example there ...
Categories: Telecom Tags: facebook, family, family-pack, friends, islamabad-life, january-23, pakistan, pakistani-music, photos, politics, supreme-court, Telecom, widgets
Zong – Family Pack | State of Telecom Industry in Pakistan
As per the rules of the Government of Pakistan, tax on telecom services is 19.5%, thereby making the total cost of the package to PKR 955. Also, the fair usage policy of this offer is 25000 minutes. ...
Categories: Telecom Tags: ads, digital, family, family-pack, government, investment, jobs-by-zumbeel, mobile, package, pakistan, pk-telecom-news, recent-tweets, security, Telecom
why does hp G60-550CA only show 2.91G memory?
My new HP G60-550ca shows only 2.91 memory, It should be around 4 G. Can someone tell me why?
Categories: Computer, Laptop Tags: advanced-forum, auto, button-tooltip, customer-support, family, future-shop, lithium-user, to--future