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Thank you all. I wasn't going to do anything about my parents' loan but was very curious as to what they would do. FYI, I have a coworker who actually got his loan restructured through ING. His loan broker supposedly told him about ING's program. My coworker called them up and he...

My parents got a letter promising loan modification / restruturing service. Their website is:http://changemyloan.org/ They claimed that they go through Fed programs to reduce the principal and payment with no equity and can combine 1st and 2nd. I got the break down of numbers and...

I heard this on a radio talk show today. Does anyone have a copy or link to this article? Thank you very much in advance.

I understand the Swin Flue is going in Mexico, but travel package to Cancun in Summer is very cheap. Yes, it's hot and humid in July but it's summer and in Carribean. So I was wondering if you have been to Cancun and Hawaii and which one you prefer. I've been to 3 hawaiian islands and...

I heard on the radio that Prof. Schiller (from Yale) said that the housing bottom may be near or now (something along that line). Is this true? Does anyone have any links? May be on national average but I don't think that's the case in So Cal. RE agents are saying in good neighborhood...

My God! What about kids? Wife? His parents, friends, and relatives? There better be an incredible reason why he had to kill himself, otherwise it's just very selfish act in my opinion...

I noticed that in Plaza Visat, many kids were disappearing from my kids' classes. Kidst from foreign countries were going back to their homes in the middles of the school year because their parents' job transfer, which I sort of understand but also because they were supposed to be here only for...

Daedalus and others, Did you do a lot of excursions or just one or two. I heard the train ride is a rip off. Helicopter or inland tours are very expensive. I'm thinking I should enjoy views, ship amenities, and port of call cities and villages, and plan a separate road trip just for...

I've been to GC twice. I have two kids in elementary. Unfortunately, I can't afford any of the tours that you mentioned (train, river rafting, helicopter, or plane ride) because $280 x 4 = too much. However, I can share my experience and things I heard from others. 1) The area for...

I'm thinking about Alaska cruise this summer. I have a few questions from fellow Irvine neighbors about the cruise trip. This would be my first one. 1) I heard you gotta have a balcony for Alaska cruise. Is this true? Should I save a lot of money with a tiny inside room w/o window since...

What happens if the lease is up but the landlord has not sent the renewal and I have not asked for renewal? Can I move out at the end of the month without giving a full 30 days notice assuming there is no deal, or am I obligated to give a full 30 day notice still? If I give a notice on 1st...

Why do you even ask this kind of question? Oh, nevermind. You are "KNIFE CATCHER"...

I just watched Dateline video from msnbc. This basically shows what happend in the past decade in mortgage/real estate industry. Greed drove all the smart and high flying professionals to generate liar loans and unqualifying mortgage holders went for the bait because... of course Greed. I...

If someone's thinking about renting out an extra room in one's house, is it going to be month to month or is lease one of the option? Checking credit, I think, would be automatic but would checking background or empolyment verification be too much for $400 to $450 a month room? Am I an idiot...

Just some comments... I agree with most people that now may not be a good time to buy. However, I think that way because the lending environment could get much better in the future, not because of the price drop. I mean, yes I want to see 25 to 30% off of the current price level but...

If I made $10k on stock AAA sale this year, can I sell stock BBB WITH $10k loss to offset the gain? Or am I stuck with capital gain tax on $10,000 and need 3 years or more to deduct stock loss at $3000 per year? Thank you for your input in advance.

Ok. I got it. So if DTI = 25% already, if he tries to buy a new house while still keeping the rental property, he can't buy any since he only has 3% (if 28% DTI applies) left tois ward the new house, right or am I missing something. I guess my ultimate question is that can my friend get...

Not exactly an Irvine Realestate question but I had a debate with my coworker about whether rental income/expense are included in DTI calculation. Here is a senario. Which case is correct? I thought it was case 1 that lenders are using. Thanks. Monthly income : $10,000 Rental...

Well, this is a follow up post from the used hybrid one. Do you think this is the best time in years to get a new car? Even Toyota has 0% financing (may be only for 3 yrs). Given that average new car loan is about 6% for 5 yrs, savings on interest alone could be thousands of dollars...

I heard that the battery for Prius or other hybrid car only lasts about 100,000 miles and will cost $3k to 5k to replace. Is this true? I'm thinking about getting a used one to go on car pool lane but not sure whether the extra cost would justify may be 25 to 45 minute saving per day. If it's...