ON Canada - which papers are you talking about - from you. There would be no closing. The lawyer will not release the funding to the seller of the property and you may have to face a lawsuit from the seller of the house.

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I have been working with a real estate agent since january, when i made a login in on a website in order to view homes. at first all was well, she said that her job was to walk me through all of the process, explain procedure and all paperwork.( i am a first time home buyer) we looked at about 10 homes. one of those homes, she failed to remember that we had an appointment and when i called to see were she was after her being 20 minutes late, she said that she had forgotten...ok?. we re-scheduled for the next night and she was at the location when i arrived. we looked at the house and i liked it and wanted to make an offer. i wanted to start at 10,000 below asking - just to see. she said, no, the seller will not accept anything but full asking and i also would need to pay closing. i said ok because it really is a perfect house. she then said; you realize this is a short sale and it could take a while? i said yes. she said the selling agent said that the bank would probably come back to us in 4 to 6 weeks. so i signed all of the paperwork; locking me down for 60 days and also stated that the selling agent would not take any additional offers; this all took place on 3/05/2011. around april 15th, i noticed that the status of the house that i made an offer on with from "contingent other" to "back on the market". i then called my agent and she knew nothing about this so she called the selling agent and did not get back to me until the next afternoon and then said that he told her that he put it back on the market because he had a few people walk away and then said that she had no control over other people's actions... so; i was left with the questions of are they taking other offers to the bank? am i stuck in this contract when obviously something is going on the the selling agent isn't sure? my agent never responded to any of those questions...after a week had gone by, i decided to call the selling agent and ask him. he responded to my questions and was very helpful and put me at peace. and even went as far as taking the house back off of the market. since then my agent and i have had 2 additional meetings were she was late by 5 or 10 minutes. then friday evening she called me and said that she had good news, the bank had accepted my offer! we set an appointment to meet saturday morning (she was late) she said that i was signing the acceptance and would need to write a check for escrow. i signed and then asked who i should make the check out to. she then said that she did not know and would have someone from her office drive to my work on monday and pick the check up....ok?? she called me later in the afternoon to say that what i signed was not acceptance and that the bank should have answer for me ina a couple of weeks. at this point; i want the house but i don't trust my agent and don't want to work with her anymore. is there anything at this point that i can do, or am i stuck with incompetent person? should i get stick it out?

This is so difficult to read. Ugh. If you do not trust your agent, and did not sign a contract to use her, then you can walk away any time you like, however, if within the next 6-12 months you place an offer on any house that the two of you visited, she will be owed commission. Short sales are nightmares right now, so that on top of what sounds like a semi-flaky agent, are making you uncomfortable. You also stepped outside of what's proper by calling the selling agent, which is not going to make your agent that much happier to work with you. You need to sit down with your agent (on the phone or in person) and find out EXACTLY what is going on. Set up a regular checking-in schedule for the two of you so that you are up to date on what the status of your offer is. It's impossible to say if she's the problem in this deal, if it's the bank, or if it's the other agent. If this deal doesn't work out, if it were me, I'd kick this agent to the curb and find a good agent with tons of experience who understands the ins and outs of short sales better.

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I don't know if he got careless or what. but this is how we handle our finances. i have my own savings account, he has his and we have a joint savings/checking account. i don't really know the amount he has or he knows what i have. but he lost his job last february he worked his way all the way up to vp of operations, this was a small company that made candles there was 40 employees. my husband did not see the owners selling the company and closing the company. everyone lost there jobs, my husband worked there for 10 years first job out of college. it was real hard on him, he started to look for jobs hard core but got very discouraged until may. in may thanks to face book a old college buddy "the chad" looked him up. last time he talked to "the chad" was our wedding that he was a groomsmen 6 years ago. my husband was in "the chads" wedding 6 months before ours. my husband tried to stay in contact but he never would return calls. my husband was so excited to hear from "the chad" right away chad asked my husband to meet him at a certain location. my husband thought it was to meet at a bar or something but it was a office complex. well my husband meet chad but got pitched for a going into a business with chad as he is unemployed too. the business was for selling travel packages. after that meeting my husband and "the chad" where working out of chads home with this business. i did not ask many questions but was kind of fishy. i know my husband and "the chad" where best buddies in college but chad never finished college i guess he just partied all the time. last month my husband was pale and sitting around. he told me that there business failed and he lost 30k out of his savings, he thinks the chad wife fixed the books and took most of the money from the business. he feels really betrayed that his buddy screwed him. i feel it is his money in his savings account but upset that he feel for this as he is too smart. apparently he tries to call "the chad" he changed his cell #. i do know that this chad worked for one of those sub prime leding banks that got introuble and made 6 figure salaries 3-6 years ago where he has a huge house "lost in foreclousure" nice cars. i dont know what to do with my husband support him or show that i am upset..

If Hubby suspects that"the Chad" or his wife were involved in defrauding him of his money, he needs to go to the authorities, and file a case against them. That will start him on the path back to gain back his self respect - by taking ACTION. You, as his wife, can support him with that.

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Http://www.lewrockwell.com/buchanan /buchanan122.html the decades-long campaign of ron paul to have the government accountability office do a full audit of the federal reserve now has 313 sponsors in the house. sometimes perseverance does pay off. if not derailed by the establishment, the audit may happen. yet, many columnists and commentators are aghast. an auditors' probe, they wail, would imperil the fed's independence and expose it to pressure from congress to keep interest rates low and money flowing when the need of the nation and economy might call for tightening. they cite paul volcker, who to squeeze double-digit inflation out of the economy in the late carter and early reagan years, drove the prime rate to 21 percent, causing the worst recession since the depression. volcker, they claim, prepared the ground for the reagan tax cuts and seven fat years of prosperity. that decade, america created 20 million jobs – and another 22 million in the clinton era. without volcker putting the economy through the wringer, it could not have happened. and had he been forced to explain his decisions, congress would have broken his policy. such is the cast for fed independence. but if true, what does this say about our republic? is it not an admission that, though congress was created by the constitution, and the fed is a creation of congress, our elected representatives cannot be trusted with the money supply, cannot be trusted with control of the nation's central bank? to have decisions made in the national interest, we need folks who do not have to answer to voters. if this be true, the republic is closer to its end than its beginning, when thomas jefferson said, "in questions of power, let us hear no more of trust in men, but rather bind them down from mischief with the chains of the constitution." others contend that were it not for the independence and vision of fed chair ben bernanke, the economy might have gone over the cliff and into the abyss after the lehman brothers collapse in october 2008. what opponents of paul's audit are thus saying is that elected legislators must be kept out of the temple where the great decisions about the economy are made, that these decisions must rest with bankers and economists answerable, as is the supreme court, to themselves and no one else. but has the performance of the fed been so brilliant any intrusion upon its privacy is sacrilege? among the failures of the fed is the great depression. as milton friedman related in his "monetary history of the united states," for which he won a nobel prize for economics, the fed hugely expanded the money supply in the mid-to-late 1920s. following a path of least resistance, the money flowed into the equity markets, where stocks could be bought on 10 percent margin. the market soared, and a huge bubble was created. when it popped, scores of thousands of investors conducted a run on the banks to get their money out to meet their margin calls. thousands of banks, short on cash, closed. one-third of the money supply was wiped out, and the fed failed to replenish the lost blood. thus did the fed cause the great depression. smoot and hawley were framed. moreover, every bubble from the dot-com of the late 1990s to housing this decade is a result of fed policy. for unless there is an excess of money sloshing around, funds that surge into one market, be it housing, stocks or third world loans, have to come out of another. moreover, if the fed has not failed dismally in its duty to keep prices stable, how come candy bars and cokes that cost a nickel in the 1950s cost 50 or 75 cents today, and new cadillacs that sold for $3,200 in the late 1940s cost $55,000 or $60,000 now? who is responsible for inflation, if not the fed? moreover, it is now conceded that the fed, in the early years of this 21st century, kept interest rates near 1 percent for too long, and created the bubble that popped in 2008 and almost brought down our own and the global economies. because the fed can create money out of thin air, we have been able to wage wars on credit, shovel out trillions in foreign aid, world bank and international monetary fund loans, and run humongous budget and trade deficits that have brought our country to the brink of ruin. and if bernanke is a genius, how is it he didn't see the train wreck coming and had to double-time it to the hill with hank paulson to plead for $700 billion to bail out aig, fannie and freddie, and buy all that rotten paper on the books of citibank & co.? the greatest economy the world had ever seen has been horribly mismanaged and virtually ruined by the decisions of presidents, congress and the federal reserve. main street has been wiped as wall street was bailed out. why? bring on the auditors! it looks like it is long but it actually isn't. all of the paragraphs are pretty short.

All these doom and gloom sayers like Pat and others are scaring us unnecessarily. First the US is 65th in debt level of all the industrial countries. Second we've been in this situation before. At the end of the Civil War we were 44 trillion dollars in debt, by today's dollars. Third if the US went under the entire world would go under because the US is the largest buyer of goods and fourth, because of this the entire world has an interest in making sure that doesn't happen. Therefore I maintain that when the time comes the entire world is going to say to the US," well we've made enough in interest from you to justify forgiving your debt" After all it has been several times the principle. Its either this or have an international collapse. Now Argentina did collapse but the US is not Argentina. The world can afford Argentina collapsing but not the US collapsing.

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What are the top three things usa could do to avoid default? i'll just throw out a few suggestions -- you don't need to pick from my list -- your three can be whatever you think is the truth -- the top three things to avoid default. here are some possibles: 1. end all useless wars and do not start any new useless wars. 2. seal the southern border utterly and block 95% of all visa applications. 3. abandon "free trade" in favor of fair trade that results in no trade deficit at the end of the year. dollar for dollar even steven actual trade -- not unilateral opening of our markets and jobs to all countries as bribes for them to enjoy at our expense. 4. create a tax schedule just for non-salary income like bonuses, pensions, golden parachutes, stock options, anything of any financial value present or future that is not included in the salary check reported on the w-4 form. start this tax schedule at 25% for the first five million. 50% for goodies over five million, and 95% for goodies over ten million. 5. repatriate all illegals back to their countries of origin. 6. close the department of education, give half the money saved to the states earmarked for education only. 7. return the unspent stimulus bill (political bribery) money $500 billion to the treasury -- use that money to reduce the size of auctions of new federal debt. 8. recover all tarp funds that can be recovered, especially from aig and bofa and jp morgan chase. if they can't repay the tarp funds, put them in liquidation, sell off all assets to smaller banks that are not too big to fail, assign all liabilities to the shareholders and bondholders of those private companies. 9. create a program to award large prizes for technology breakthroughs that can revitalize usa industry and create many jobs in usa -- for example a breakthrough in the algae for fuel area, or in the car battery area, or in the solar panel area. these prizes should be tightly defined in terms of what specifications a prize winning breakthrough would have to meet, and they should be large enough to pay for the research program needed to get the prize as a sort of reimbursement after the fact of a breakthrough being made. the company still gets to keep its patents, but if it gets a prize, the research is reimbursed. the company has an obligation to use the research to create new and good jobs for american citizens in usa and not for other people in other places. 10 build down the army by 80% keeping mainly the predator and its personnel. build down the navy by 50% keeping the boomers, the seals, the slbm platforms, and the aegis platforms. build down the air force by 20% -- cancel the joint strike fighter program. build down the marines by 10% --cancel the osprey program. use half the money saved by these cuts to build up nro and nsa particularly in the areas of methods and systems for target location and identification -- expert systems, integrative data systems, innovative approaches and techniques. my list counts for nothing -- your list is what i want -- you can pick anything that you think would help usa to avoid default, which by the way is coming in about 24 to 36 months unless some smart thing is found -- and obama, for sure, is not going to find it, but maybe you can. take a try! for lee j. fair enough -- ok into the minefield with me, here i go -- you're a medic right -- so you'll come in and carry out whatever isn't blown off -- ok -- i would means test social security. it would go like this: if you have over half a million in annual income, you get a dollar for dollar tax credit instead of your social security check. so if you would have gotten $5,000 per month in social security, you now get a $60,000 tax credit -- which is worth $60,000 to you at your income level. for people with incomes over $1 million, you get 50% of your ss entitlement as a tax credit. over $5 million -- 25% as a tax credit over $10 million income per year -- no tax credit. social security was always intended to be insurance against the possibility of being old and poor. people taking in $10 million per year are not poor even if they have grown old. thus they can ethically, morally legally and with perfect justice be suspended from their ss benefits, not dropped for thinkabo the graph is deceptive because it's not a just a question of percentage -- relative size also matters. in the 1950's our total debt was much much smaller than today. sometimes quantity has a quality all its own (tu if you can tell me who said that first). your baldfaced assertion that my ten points could cost money and not save money is on its face so totally absurd that refuation would be superfluous. anyone reading here can plainly see that my ten points would save money not cost money. closing down wars is cheaper than fighting them. not carrying 12 million illegals is cheaper than carrying them. fair trade is cheaper than free trade (which is deadly to usa). talk about chutzpah, you didn't even take a stab at answering my question -- you just started carping. i said (twice) that my list is not what counts. it's your ideas that count. but you have none. i don't want negativity. i want solutions. you deny that there is even a problem -- so twisted! for smudgewa: fair trade is simpler than reciprocal import duties. they don't get to send things here unless they buy an equal value of things from us. so fair trade is sort of pro-trade. reciprocal import duties (tit for tat) is actually sort of anti-trade -- everybody taxing everybody else -- that's not going to help trade -- it will be a drag on it. your 1 child per family idea makes sense, most certainly for families on welfare. for families where both partners have graduate degrees and who are earning in the top quartile -- say over $250,000 per year jointly, i would think a one extra child waiver might be better than a strict one child policy. people who want to multiply would be encouraged to first prosper -- the bible says prosper ---- and multiply --- in that order -- the multiplying is consequent to the prosperity that way its not a burden on the community. seize the saudi peninsula only. send the evil saudi royals to tristan de cuna, make fields usa property again!

I agree with quite a few of your listings, I would add a few. 1. In a similar vein I would open up R&D funding on a large scale. Let these great thinkers and and common sense folks get out there and develop those good ideas, And bring them to the market place. 2. Charge huge import tax factors on all US companies bringing products they have made in third world Country's. 4. Start making China either increase their monetary value, Or quit allowing their products to come to this country. 5. Start collecting the Dock Taxes that all of these country's owe the US. 6. Legalize Marijuana, Sell it through Pharmacy's. tax the hell out it, ( From a Law Enforcement standpoint,) this would cut a deep hole in the pockets of the mexican cartels, Once legalized if your caught selling out side of the system you get life in prison. 7. Turn all of our Prisons into for profit ventures, If you want a cheap labor price, and want a good product, Let our prison population make it for you, Instead of going out side of the country. Just a few Ideas some might work some might not.

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I'll just throw out a few suggestions -- you don't need to pick from my list -- your three can be whatever you think is the truth -- the top three things to avoid default. here are some possibles: 1. end all useless wars and do not start any new useless wars. 2. seal the southern border utterly and block 95% of all visa applications. 3. abandon "free trade" in favor of fair trade that results in no trade deficit at the end of the year. dollar for dollar even steven actual trade -- not unilateral opening of our markets and jobs to all countries as bribes for them to enjoy at our expense. 4. create a tax schedule just for non-salary income like bonuses, pensions, golden parachutes, stock options, anything of any financial value present or future that is not included in the salary check reported on the w-4 form. start this tax schedule at 25% for the first five million. 50% for goodies over five million, and 95% for goodies over ten million. 5. repatriate all illegals back to their countries of origin. 6. close the department of education, give half the money saved to the states earmarked for education only. 7. return the unspent stimulus bill (political bribery) money $500 billion to the treasury -- use that money to reduce the size of auctions of new federal debt. 8. recover all tarp funds that can be recovered, especially from aig and bofa and jp morgan chase. if they can't repay the tarp funds, put them in liquidation, sell off all assets to smaller banks that are not too big to fail, assign all liabilities to the shareholders and bondholders of those private companies. 9. create a program to award large prizes for technology breakthroughs that can revitalize usa industry and create many jobs in usa -- for example a breakthrough in the algae for fuel area, or in the car battery area, or in the solar panel area. these prizes should be tightly defined in terms of what specifications a prize winning breakthrough would have to meet, and they should be large enough to pay for the research program needed to get the prize as a sort of reimbursement after the fact of a breakthrough being made. the company still gets to keep its patents, but if it gets a prize, the research is reimbursed. the company has an obligation to use the research to create new and good jobs for american citizens in usa and not for other people in other places. 10 build down the army by 80% keeping mainly the predator and its personnel. build down the navy by 50% keeping the boomers, the seals, the slbm platforms, and the aegis platforms. build down the air force by 20% -- cancel the joint strike fighter program. build down the marines by 10% --cancel the osprey program. use half the money saved by these cuts to build up nro and nsa particularly in the areas of methods and systems for target location and identification -- expert systems, integrative data systems, innovative approaches and techniques. my list counts for nothing -- your list is what i want -- you can pick anything that you think would help usa to avoid default, which by the way is coming in about 24 to 36 months unless some smart thing is found -- and obama, for sure, is not going to find it, but maybe you can. take a try!

Ending a war is a great way to save money, but you should never cut down the military by too much. 80%? Other nations would immediately try to attack us. This is how great empires fall. They become overloaded with debt, reduce their military, and get conquered. This is just proof that we never learn from the past.

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China is livid and fuming – “china, the largest creditor of the world’s sole superpower, has every right now to demand the united states address its structural debt problems and ensure the safety of china’s dollar assets” – and recommends the u.s. cut military (of course) spending and social welfare programs. see: “china tells u.s. ‘good old days’ of borrowing are over.” euro-region central bank governors are scrambling to make sure the s&p downgrade does not make the european sovereign debt situation even worse: “euro-area central banks to hold crisis call” finally, paul krugman thinks ratings agencies are irrelevant: the s&p downgrade is sure to cause a global fuss and ruckus. the agency has already had to issue another press release to clarify and correct assumptions it used to calculate growth in discretionary spending. s&p did well to issue its downgrade after all financial markets were closed friday night. the timing allows breathing room for world markets to adjust to the news without the immediate pressure of buying and selling. economists, policy makers, etc… also get time to dream up responses before feeling the pressures of financial markets. the disagreements and displays of political opportunism should thoroughly entertain us. arguably, the news of the downgrade comes as little surprise, but it does present an interesting scenario for a continuation of the dollar’s bounce from its july lows. all the bad news from the debt ceiling circus and various poor economic reports failed to push the dollar index to fresh 2011 lows. thursday’s massive 4.8% sell-off in the s&p 500 sent the dollar soaring 1.7%. unless the federal reserve pushes forward with qe3 (quantitative easing) or related jawboning at tuesday, aug 9th’s meeting, every near-term dollar-negative catalyst will finally be out of the way. the first natural target for the u.s. dollar is another test of overhead resistance at the 200-day moving average (dma). a break above that point could launch a sustained relief rally. http://seekingalpha.com/article/285 453-s-p-downgrade-of-u-s-debt-sets- up-a-potential-dollar-relief-rally

Let's put it this way - Reagan had his congress well in hand, as the country needed to borrow trillions to fight a terrible recession in the early 80s. The Democrats let it go for the sake of the country and THEY had CONTROL of the House !! The Republicans only had a majority in the senate 54-46, so it was not an easy task, but the Democrats stood down, as they should and let it happen for the sake of the country(to repeat myself). Bush 41 bumped up the debt pretty much considering he had only 4 years, but he continued on to 12 years of republicans in the White House - not good, considering. Along comes Clinton and after 8 years he leaves with a surplus !! Whoa, then we get Bush43 and the roof caves in - end of story - Obama is continually in clean-up mode for the Bush 43 fiscal disaster. Along comes the Tea party and BINGO - near-default - stalemate caused by them - debt ceiling bill is a croc - S & P's downgrades the USAs credit rating. What more can I say !!??

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Me and my ex at first rented a house for 600 (300-350) split a month. i was on the lease. he decided to buy the house a couple of months later from the landlord. this time i was not on the lease but he said i had to pay 400 a month. i paid i t cuz i couldnt afford to move on my own while in college full time and the job i had....he would let the utilities be late and when the electric would get turned off i had to pay to reconnect it. i was helping him out because i didnt have anywhere else to go while i was going to college. a couple of years later he meets someone and this new person decides that i shouldnt be living there. i get a call at work saying i need to get all of my stuff out or he (my ex) is putting it out. not knowing what to do i had to get out of work early and get a storage unit. pack my stuff up (8 hours later) and i left to go stay with a friend an hour away. this situation has caused me to fail college because it was over an hour to get to school,...... lose my job because i was late too many times trying to go to work almost an hour away,...... one car repossessed because he didnt give me my mail (when he said i could use the p.o.box ) and i finally get the mail from him last month 2-2011....in the mail was my certified letter dated july 2010 to me stating the car was being taken away...which i never signed for because i was not living there..they took the car from his yard because he said i could leave it there and sell it....i have cellphones i still owe....bank accounts in the neg and or closed out...repossessed first car balance owed....another car i voluntarily gave back to the bank because i lost my job...student loans...license suspended for 98 days cuz my insurance lapsed and i didnt know i had to turn in the plates....credit cards...alot of debt that i was in good standing all in the bad in less than a year....i went from having $5500.00 debt which if he didnt kick me out was getting paid off by the summer of 2010 to almost $50,000.00 because i owe so much in late fees repos and my student loans....so does anyone know what i could do besides filing for chapter 7.....if it wasnt for him wrongfully kicking me out i would have avoided this financial situation. and since there was not a lease i dont think i should have even had to pay for anything towards a house i was not buying. heres to casey cunt.....read before you post.......if i didnt have to pay anything then i want my money back......

You need a bankruptcy attorney. You are in a hole and you need help getting out.