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Virginia sure ain't what it used to be
http://www.independent.co.uk/voices/virginia-sure-aint-what-it-used-to-be-9085206.html
Virginia sure ain't what it used to be Eight have hailed from the state, including six of the first 10 occupants of the White House – among them Messrs Washington, Jefferson, Madison and Monroe – and more recently Woodrow Wilson. It's now safe to And his record in office wasn't bad

STATE OF UNION TO STRESS 'OPPORTUNITY' over 'inequality ...
http://www.politico.com/playbook/0114/playbook12812.html
PRESS SUDDENLY BULLISH ON IMMIGRATION: WashPost 2-col. lead, “House GOP may move on reform of immigration: WHITE HOUSE HOPES TO STRIKE A DEAL – Boehner will outline principles for party's caucus” … that President Obama is engaging in 'class

Chicago-area home sales, prices rebound in 2013
http://www.chicagotribune.com/site/ct-2013-home-sales-0124-biz-20140124,0,6284306.story
Seven years after crashing in spectacular fashion, the Chicago area's housing market found its footing in 2013, leading to optimism that the darkest days are behind an economic growth engine that fuels the sale of everything from home loans to lawn

Wall Street's Frightening New Plan To Become America's Landlord
http://thinkprogress.org/economy/2014/01/24/3203471/wall-street-landlord/
Wall Street's Frightening New Plan To Become America's Landlord While firms like Blackstone often farm out the day-to-day management of the rental properties to third-party companies, those intermediaries are often also based in faraway states. Heights, OH, the hedge fund Magnetar Capital has become the largest

Introduction to Mortgage Loans

Introduction to mortgage loans

Seniors Face Increasing Threats From Scammers, Predatory Loans: Report

“Their home can be foreclosed upon and they can not only lose the loan that they got, but also be kicked out of their home,” said Illinois PIRG director Abe Scarr. 

Many older consumers also find themselves having difficulty fixing inaccurate debt appearing on their credit reports, according to the PIRG report. Scarr said a lot of times the credit mistakes could be the result of bad medical debt or a consumer being billed for a procedure they did not have. 

Or the mistakes could be the result of bad information caused by identity thieves. 

Judy Nosko said someone recently stole her identity and used her credit card information to purchase $6,000 worth of designer accessories, jewelry and other goods. 

The malicious hacker even sent Nosko a text message and bragged about having access to all of her credit cards and her bank account.

A Conservative Tax Hike

Like the mortgage-interest deduction, which the Trump plan unfortunately keeps (the president loves his real estate and is the self-proclaimed “king of debt”), the deduction for state and local taxes was intended to be a benefit to the middle class, i.e., the salt-of-the-earth voters who simultaneously are strongly in favor of an active welfare state and strongly disinclined to pay for it. (American progressives who favor European-style social-welfare systems should take a look at the middle-class tax rates in Sweden or Norway, and then imagine the howling American mob they would face if they tried to replicate that necessary aspect of Eurotopia at home.) The entitlement-hungry/tax-averse middle class could use a kick in the shins — if you want to take the ride, you’ve got to buy the ticket — but in reality the state-tax and mortgage-interest deductions mainly benefit higher-income households. That’s not surprising: High-income households make a lot of money, often have larger mortgages (at least in absolute terms), and, to no one’s surprise, pay most of the taxes, both at the federal level and at the state and local levels. If you are paying the highest rate in California, you have a seven-figure income, so that deduction is really helpful against your federal tax burden. Less so if you make $50,000 a year.

Bad appraisal legal advice?

Thank you for any help you can give me on this. I am trying to refi my adjustable mortgage that has gone through the roof and causing a snowball effect on my finances so that I now have a very high debit ratio.


There are two types of bad appraisers: incompetent and fraudulent. It sounds like you have a case of imcompetency.

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