tag:blogger.com,1999:blog-8221748.post2198698863956623341..comments2024-03-28T20:49:59.737-07:00Comments on Casaubon's Book: The opposite of poor is not rich...jewishfarmerhttp://www.blogger.com/profile/17547121621115074866noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-8221748.post-35310274152094498942010-04-02T21:46:08.068-07:002010-04-02T21:46:08.068-07:00صور بنات -
بنات -
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ممن...<a href="http://www.10neen.com/vb/showthread.php?t=59479" rel="nofollow">صور بنات</a> - <br /><a href="http://www.10neen.com/vb/showthread.php?t=59479" rel="nofollow">بنات</a> - <br /><a href="http://www.10neen.com/vb/showthread.php?t=45305" rel="nofollow">اجمل نساء</a> -<br /><a href="http://www.10neen.com/games/category/8/8" rel="nofollow">العاب للبنات</a> -<br /><a href="http://www.10neen.com/aflam/category/8/8" rel="nofollow">ممنوع من العرض</a> - <a href="http://www.10neen.com/games/" rel="nofollow">العاب</a> <br />- <a href="http://www.10neen.com/d/" rel="nofollow">دليل</a> -<br /><a href="http://www.10neen.com/pro/" rel="nofollow">برامج</a> -<br /><a href="http://www.10neen.com/aflam/" rel="nofollow">افلام</a> -<br /><a href="http://www.10neen.com/games/category/1/1" rel="nofollow">العاب اكشن</a> -<br /><br /><a href="http://www.10neen.com/vb/forumdisplay.php?f=115" rel="nofollow">فضائح</a> -<br /><a href="http://www.10neen.com/vb/forumdisplay.php?f=45" rel="nofollow">اغانى</a> -<br /><a href="http://www.10neen.com/vb/" rel="nofollow">منتدى</a> -<br /><a href="http://www.10neen.com/vb/forumdisplay.php?f=110" rel="nofollow">برامج الشبكات</a> <br />- <a href="http://www.10neen.com/d/site-3050.html" rel="nofollow">عطعوط</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=16849" rel="nofollow">يلا كورة</a> - <br /><a href="http://www.10neen.com/vb/forumdisplay.php?f=99" rel="nofollow">صور</a> -<br /><a href="http://www.10neen.com/vb/forumdisplay.php?f=18" rel="nofollow">سكربتات</a> -<br /><a href="http://www.10neen.com/v/browse-Wrestling-videos-1-date.html" rel="nofollow">المصارعه</a> -<br /><a href="http://www.10neen.com/v/" rel="nofollow">تيوب</a> - <a href="http://www.10neen.com/v/" rel="nofollow"><br />كليبات</a> - <a href="http://www.10neen.com/games/371.html" rel="nofollow">العاب طبخ</a> -<br /><a href="http://www.10neen.com/vb/forumdisplay.php?f=17" rel="nofollow">فوتو شوب</a> -<br /><a href="http://www.10neen.com/vb/forumdisplay.php?f=21" rel="nofollow">اختراق</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=4190" rel="nofollow">هيفاء وهبى</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=58940" rel="nofollow">سكس</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=57071" rel="nofollow">بروكسى</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=66665" rel="nofollow">ليلى علوي</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=24405&page=89" rel="nofollow">89</a>- <br /><a href="http://www.10neen.com/vb/showthread.php?t=59145" rel="nofollow">دنيا سمير غانم</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=14257" rel="nofollow">مى عز الدين</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=20445" rel="nofollow">اغانى افراح</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?p=1637873" rel="nofollow">الفيس بوك</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=23850" rel="nofollow">سلمى حايك</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=69807" rel="nofollow">صور اطفال</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=4168" rel="nofollow">الهام شاهين</a> -<br /><a href="http://www.10neen.com/vb/showthread.php?t=24405" rel="nofollow">صور sex</a><br /><a href="http://www.10neen.com/vb/forumdisplay.php?f=41" rel="nofollow">حواء</a><br /><a href="http://msn.10neen.com" rel="nofollow"><br />توبيكات</a>arbxhttps://www.blogger.com/profile/00521439126043326395noreply@blogger.comtag:blogger.com,1999:blog-8221748.post-82423735363060319712007-01-23T09:53:00.000-08:002007-01-23T09:53:00.000-08:00Pat, this is not an area of expertise - I'm steali...Pat, this is not an area of expertise - I'm stealing from other people who know more than I. But as I understand it, foreclosure in hard times is not something banks like to do, because they can almost never get rid of the property, and they then have to service the property themselves, taxes, pay legal fees, etc... In boom times, foreclosure on, say, farmland that can be turned into subdivisions, is profitable for them, but in hard times, when no one is buying property and a lot of people are struggling to pay the mortgage, foreclosure is a big loser for banks. They are often stuck with large inventories in a business that they are not really in, and no good way to unload them.<br /><br />Foreclosure is also a loser for banks generally because with a mortgage, people are paying much more in total than their house is actually worth - so a 100K 30 year mortgage actually means you are paying 400K or so total. That's a cash cow for them - if they auction off property in foreclosure, they can never hope to get what they would by simply working with you to extend your payment schedule, or accomodating a few missed payments. <br /><br />So they are most likely to foreclose where they have the most at risk, rather than where they might profit most. Does that make sense? Foreclosure becomes not an exercise in profit-making, but one in minimizing loss. So banks generally foreclose only when they have to, and mostly on people who have enormous mortgages and show little sign of being able to pay it off - that is, where hanging on is going to end up in the same result anyway. Whereas someone who has already paid them many tens or hundreds of thousands, and who owns most of their property now, is the last person they want to foreclose on - I suppose that they might have an incentive to foreclose on someone who is in their last few months of paying them off, but can't make payments, but if, say, you have 80K equity in a 100K house, in the long term, they can expect much more than 20K from you (in payments, that is), if they are willing to accomodate your short term problems, whereas in a tough market they'd have trouble unloading a 100K house (which is probably now worth less) for much more than 20 or 30K, and they'd lose money in taxes, legal fees, etc...<br /><br />Now this might not be true if the housing crash happens unevenly, and you happen to live in a high value part of the country (I find it unlikely that that would be the case in your own situation, from what you say), while most of the rest of the nation is struggling - if, for example, say, because of gas shortages, sprawl areas become low in valuable and many people want to move to urban areas with public transport. In that case, if you lived in an urban center with good public transport, banks might foreclose early because of this. But generally speaking, they know they won't get milk by beating the cow.<br /><br />I would add that as I said, I'm no expert, and if you are actually making life changes based on these assumptions I'd check with someone more knowledgeable than me. <br /><br />Sharonjewishfarmerhttps://www.blogger.com/profile/17547121621115074866noreply@blogger.comtag:blogger.com,1999:blog-8221748.post-76367607416900117732007-01-23T07:17:00.000-08:002007-01-23T07:17:00.000-08:00Sharon, you wrote:
"If you carry a mortgage, the ...Sharon, you wrote:<br /><br />"If you carry a mortgage, the more of your property you own, the less likely you are to be foreclosed upon and the more likely it is that banks will negotiate."<br /><br />Can you give some reasoning for this statement? I don't mean this to be a challenge, I'd just like to know the reasons behind it. (We have a lot of equity in our home and I would like your statement to be correct.)<br /><br />Wouldn't the opposite be more likely? If the bank takes your home on which you owe very little, they gain a lot. <br /><br />I think I'm confused. :)<br /><br />Regards,<br />Pat MeadowsPat Meadowshttps://www.blogger.com/profile/16119927151621937949noreply@blogger.com