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Also, aerius is right you want to keep your mtg payment less then 1/3 of your monthly gross income, but that ratio is not what is meant by lenders when they say debt to income ratio, that is strictly speaking the housing expense ratio. The housing expense ratio is the ratio of your principal and in...

Is there any reason to not submit several mortgage pre-approval applications? Depends on how many you submit. Each time you apply the lender will pull a credit bureau to determine your score and credit history, an excessive amount of inquiries can lower your credit score, though unless you start ge...

Donated a total of $400-$500, though it has been spread out in $50 to $100 increments starting during the primary season.

Palin's Church Just in case she doesn't seem crazy enough, here's an article describing her church. A Relevant quote below And if the staff of Wasilla Bible Church shies from taking political stands, Kalnins does not. Homosexuality, he says, is a choice. He would not vote for a pro-choice candidate...

I’ve seen a lot of liberals giving John McCain a hard time about not knowing how many homes he owns. But this is a genuinely difficult question to answer! There’s the case of his two-for-one condo in Phoenix, for example. And there’s also the tricky question of McCain “Hidden Valley Ranch” house si...

Here's a few scary facts for people about the housing and credit disaster we're in the midst of. "30% of subprime loans written in 2005 and 2006 are already underwater" (owe more on the loan then the collateral is worth). This a big problem. These people now have no incentive to continue p...

Every day of this i thank whatever god there may me for RBS and it's conservative lending philosophy. I used to curse RBS Citizens' uber-strict underwriting guidelines. Now i sleep at night because of them. We flirted with the prospects of an inverted yield curve for a while... though we adjusted. ...

I'm loving this story, very entertaining and lots of good possibilities. I think I'm enjoying the mobilization discussion just as much as the actual story, lots of interesting points I hadn't considered or didn't know. I know we don't know much about whats going on in hell, but based on the size of ...

He's absolutely on-target in criticising her health-care "plan"; making it illegal to not buy health insurance Wait, so that's part of her "plan"? How is that going to help the millions of Americans who can't pay for a health insurance in the first place? What sanctions are she ...

Christ, Patriots, where were you that second half? You sure as hell weren't in Foxboro. Meh, I don't think the Browns even arrived in Cincinatti. The end of the first half was absolutely atrocious, and might end up costing us the playoffs. :evil: As a lifelong Bengals fan, and Browns basher, I can ...

What kind of imbecile would get such a thing? This is exactly why it would be absolutely wrong to bail out these threatened homeowners; if you don't make people pay for their reckless financial irresponsibility, they'll never change their ways. I agree with you that people need to learn from their ...

When foreclosures first began, I remember reading an article about a police officer in California who was losing his $800,000 home because he couldn't keep up with the payments. He made $80,000 per year, his wife didn't work, and they had a reverse mortgage, so that by the time he lost his home, he...

I have to wonder just how much the rent in California is. I'm only barely breaking the middle-class income bracket, but I still had no trouble finding a halfway decent apartment in a nice enough neighborhood in my city and I have zero problems making my payments on time. I recently came back from a...

Just two quick points;. One: this a Spanish V class so Spanish speaking culture and society are part of the lesson plan not just learning the language. Indeed it is, but there's more than just Mexicans who speak Spanish. If this is one in a series of cultural activities WRT various Spanish speaking...

And I'm an idiot. This should have been in News and Politics. Just blame it on Jetlag, sorry.

Please read this news article on a class project being performed by a senior Spanish V class in Columbus OH. Article Seems like a good way to get students involved and thinking about an important issue. Well, look what happened when the rightwing bloggers get a hold of it. You can just type Erica Vi...