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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...

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...

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...

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.

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...

I've listened and read Peter Schiff for the last 1.5 years and had to agree with him on many points. I thought his points were realistic and he saw ax coming down on Real Estate and our economy. However, my opinion about him is changing little bit. Even yesterday I heard him saying on KNX1070...

The market is down and I am a fool for staying with some of my stocks. I would like to know (especially those of you investors) whethere I should cut my loss on stocks (such as stock symbols AAPL, V, BABY, MELA) and have 100% in cash or not. These are tech, science and medical stocks. Well...

Could you recommend any Lasik doctors in Irvine area? Please share your experience with eye surgery. I think there are many different kinds but I am talking about general laser corrective surgery of eyes. Thank you.

I'm still waiting for a house that I like/afford in Irvine. No it's not a 1 mil mansion and I'm not a flipper. Since today Freddie posted the earning three times worse than Wall street expected, I was wondering about where the credit would come if this lending practice gets worse as...

I would like to start West Park II post where Plaza Vista Elementary is home school. I know there are quite of you waiting like vultures to snatch any deals (might have already been a few). Not only there aren't that many homes on the market but the listing prices are not that off from the...

Please let me know if you have any info on 3 bed house/condo for rent in Westpark Plaza Vista Elm school district. It would be nice to have anything under $2500 but I have not seen one advertized rescently... My current landlord wants to raise mine by about 2.5% which is manageable but...

Lendingmaestro, Irvine Renter or other loan, financing experts, For case a) the total monthly debt to income ratio is still under 34%. Either case FICO is over 750 and annual income is little shy of $175k. If the housing price come down another 15 to 20% this year as some experts...

I hear bad news on housing (ie Case Schiller index...) all the time but haven't really seen price decrease in Irvine and Tustin Ranch area to the level of somewhat affordable. Descent houses in good neighborhoods are still 2004/2005 price level and I don't see them coming down fast esepcially...

<p>Just found out that Toyota Financial put a negative late payment notice on my credit report today even though I made the account current last week. Last time I checked a few months ago, my FICO was 790. I just wrote a dispute letter to Credit Dispute Group, but am very worried that this...