I own a commercial property. I owe 500k to the bank and it was appraised for .15m 2 years ago. I would guess an appraisal would come to about 900k today. We are working out a deal to seller finance it to a developer for .15m who will put down 325k and use his remaining funds to build an additional store on the lot to increase the value, then refinance in a year or so and pay us the rest. Now this means we would be in a second lien position. We have came up with a few different safeguards to minimize the risk. Do you think a mortgage insurance company would insure this since it is technically a loan?

The business I own is considering a Commercial Loan. I would like to know if I default on this loan are any of my personal assets at risk for being taken such as Social Security, pension benefits, Real Estate, Insurance policies, Annunities, bonds, or Stocks

it’s been a while since i’ve taken personal finance. i wanna move out of my parents house in a few years, so i’m trying to estimate what it will cost me per month. what factors do i need to think about? obviously rent, utilities, gas money, insurance, groceries, personal expenses…

i guess what i really wanna know is how much it typically costs a single person, to get a cheap apartment and live on their own each month?
and i swear, if you spam my question with your financial scams, you will be sorry.

Strictly hypothetical people so don’t be nasty!

If you were married to a man who made a decent wage, lived in a house that needed some major repairs, didn’t have any savings, everything broke down at the SAME TIME, found out you needed a major surgery your insurance didn’t cover, you didn’t have a job, no one wants to loan you money and all your bills were due, you’ve recently gotten out of bankruptcy, have maxed out your credit cards, had no food in the house for your kids, and no one you know has any extra to help you out, what would you do?
A) Go to the government for help.(try to get food stamps, etc.)
B) Give your kids to Children’s services until you got on your feet.
C) Leave your spouse and try to start over.
D) Sell your body.
E) Give up and live on the streets.
F) Go to your poor church and ask for a handout(even though you haven’t been in years).
G) Let the creditors ruin you and take the bill money and take care of your kids and live in the dark.
The no job thing comes in b/c you have a disability and can’t get assistance b/c they say it can’t be proven.

My husband has been 100% permanently disabled for the past 6 years. Because of his disabilities, I cannot work outside the home – someone has to be here to care for my husband. We live well below the poverty level. My husband recently needed surgery to repair an aortic aneurism just beneath his heart that was ready to burst as well as a 2nd aneurism in his leg. During the surgery, the doctor had to put my husband on a heart-lung bypass machine. The surgery cost more than one million dollars of which Medicare paid 97% of the cost. Our problem is that because of our other bills (rent, electricity, car payment for our only car – we live in the country miles from anywhere & can’t afford to move, furniture payment, car insurance montly payments, loan payment), we have literally no money to pay toward my husband’s remaining medical bills. Our church gives us groceries every month & our children’s schools supply our children with their clothing, shoes & school supplies.

I am 22 years old, my husband is 25. I got married 2 years ago and we planned to start a family after about 5 years, in 2011 when my husbands student loan and another loan would be paid off, that way I could stay at home. That is something we both wanted, was for my to be at home with our children. Well, February of this year I found out I was pregnant. We were surprised but happy. We have looked at every way possible and it just doesn’t look like it’s going to work out for me to stay home right now. We don’t have internet, no cable, basic phone plan, we are very frugal and because my husband cannot put us on his health insurance, to buy health insurance would be a lot of $ every month. My question is, was it difficult? Were you determined to make it work? I have my mother who could watch the baby at no cost but she doesn’t seem real crazy about the idea. She would like to start working but won’t if we need her. With every passing day I want more and more to be at home with this baby. We are very busy – youth pastors at our church. It would be a blessing all the way around. Please share your stories. Thank you.
I used to nanny when I was in college (for 3 years) – I was never bored, lol. I enjoyed it immensely.

By difficult I mean financially.
You are both so blessed

Another reason it’s so tough $$$ is because we just bought a house last year. That doubled what we were paying in rent.

Just curious how other households work. I have a rough estimate of our budget in my head. I’ve tried several times to create an Excel Spreadsheet and do it in the computer. It works for a month or 2, but then hubs stops giving me receipts or I get side tracked. I try to keep track of the things we buy. We only write about 4 checks a month. We put all purchases on the credit card (we get 4 % cash back) then pay it off every month. So we write a check for the credit card, house payment, and car insurance (only ever 6 months).

How do you do your budget? On the computer, on paper, in your head? Do you pay cash/write checks/put it on the credit card for your every day purchases?

You don’t have to go into too much detail. Here’s our budget:
Mortgage: 00.00
Gas: $ 90.00
Cable/internet/Phone 0.00
Groceries/shopping 0.00 (includes food,diapers, cleaning stuff)
Food (out to eat) $ 40.00
Clothing $ 15.00
Prescriptions/doctor $ 10.00
Church(Donation) 0.00
Misc. $ 50.00

I need to work to help financially support my family of 5 people (my husband, 3 sons & me). My problem is that I can’t afford to pay for the gas to get to & from a job until I get my 1st paycheck. My husband has been 100% disabled for the past 6 years, I have to stay home to care for him, my husband just underwent major surgery to repair 2 aneurisms that were both about to burst, the surgery cost over one million dollars of which Medicare paid 97%. We have no money at all to pay toward our remaining balance because after we pay rent, electricity, car payment for our only car, car insurance, furniture payment, loan payment, & internet connection, we’re literally broke. Our church buys our groceries & our children’s schools buy their clothes, shoes & school supplies because we have no money left.

Hello- I am a single mom with 4 daughters (my oldest is my foster daughter who is 16, and I have a 16, 14, and 8 year old as well). I was laid off from my job as a Sr. Loan Processor and have been looking non-stop for work. I do get 500 child support and 500 foster support, but my rent is 1650.00 and my bills are stacking up! I have been going to school full time at ashford university (online) and am trying to get a BA in business managmnet to ensure a better job in the future. I am so stressed trying to come up with money to pay my rent and for gas to drive the kids to school and food for these girls, that I have no idea how I will be able to get the kids anything they need, much less Christmas presents! I am not able to get unemployment because i was 1099′d and can not get cash aid or food stamps because my support is so high. Luckily, I had some savings that was able to help with my rent and now it is all gone. I have negative 19.00 in my bank account and less than a dollar to my name. I have used everything (mostly on my gas and food). I have asked my church for help with Christmas, but I am not sure what they will do. I have been selling misc items on craigslist and don’t have much more to sell! I will be getting my support on the first and will sell anything I can to come up with the rest of my rent, if possible. I have an interview set up for next week for a processing job, and a couple interviews making min wage. I am really praying for the processing job because that would pay my bills – but anything would be better than nothing. I know that when I get a job it will take me several paychecks to catch up on my utilities (that are all behind), my car payments (that are 2 months behind), my car insurance (that has now lapsed), etc, and I know there is no way I will have any money to buy presents for the girls! I am in Southern Orange County and willing to babysit, clean, run erronds, shop, organize, wrap presents, or do any type of office work for money or presents for my girls. If you know of a job I can do for you or someone, or know of a good possition in a company please let me know. I have been doing home loans and processing them for 7 years. I am also a notary public. My girls really need and want for Christmas- shampoos, razors, socks, shoes, clothes, make-up, and Jackets. Also, if anyone has any ideas of a program that can help me please let me know. I would also like to ask for prayers for me and my girls. Thank you!

I have a commercial property, it had some damage due to natural disaster, the insurance company have send me a Check, one of my Mortgage lender have endorsed it without any troubles, but the second lender is giving me trouble about depositing the check into trustee account, will some one know what are my rights towards getting that check endorsed by them without getting them to keep it into mutual account????

My car insurance bill which is 98.00 and my cell bill which is only 74.00 is due by friday I had asked my Church who said they cant. I cant drive without insurance and my cell is my only phone. i am out of work and my unemployment has ended. I may call another church that once helped me but I am suppose to go the church in my area(i used to live over there) I am willing to volunteer there till i find a job to pay it off but the Church near me made me feel like a loser telling me to sell my car and why do i need a phone??? I am job hunting and my last interview was from a job I had sent my resume to 3 weeks prior. I cant do a payday loan since I am not working. help from anyone who has ever been in my situation would be appreciated. any scams or how to make money will be reported and Blocked. only kind serious answers . scared and depressed . thanks
I HAVE NO FAMILY AND MY CAR IS 10YRS OLD AND WHERE I LIVE THERE IS NO PUBLIC TRANS. RENT IS NOT MY ISSUE LANDLORD WORKING WITH ME ITS THE OTHER BILLS

There is a lot to my situation so I will try to explain it as clearly as I can to you…

I am 19 years old, living with my parents, and a college sophomore. My parents and I have had rough spells, mostly during my early teenage years as I suspect many experience with their parents, but we get along great for the most part now. I live with them although I support myself financially as far as school, gas, insurance, etc… This past school year they would not give me their information to fill out my FAFSA so that I could receive aid for school. This put a strain on our relationship for a while, but I believe that I am called to honor them no matter what (not just if they make me happy and are good to me all the time) so I put this aside and found scholarships and took out a loan, with my grandparents cosigning, to get through my first year of college.

Now, it is time to be filling out the FAFSA again and to prepare financially to attend college in August. My parents, once again, will not fill out my FAFSA. I recently found out it was because my dad has not filed his taxes because he is self-employed and it is difficult for him to get his papers together. I understand this, but it still seems to me that he could try since this is such a significant thing for me! Especially since he has known for a year this was coming. It is as if he doesn’t really care. My grandparents have recently fallen into financially dire situations of their own and are no longer eligible to cosign on a loan for me and I do not know any other relatives or friends who are able to, either.

Now, this is going to seem like a change of topics but it does fit into my story, I promise! Three months ago my boyfriend of nearly four years proposed to me with my father’s blessing. We wanted to get married sooner rather than later because we feel we are ready to take that next step in our relationship and become husband and wife. We are both Christians, we pray and read the Word together, and we are active in our church as leaders. My parents are Christians, although they do not attend church, read the Bible with the family, or fellowship with Christians in any way that is apparent to my siblings and I. When my fiance and I approached them about getting married soon, they said that they just did not have a peace about it and we did not have their blessing to get married, only to plan and prepare for it. It is really hard, but I don’t want to step out of God’s plan for my life. After all, he placed me under my parent’s authority and this is their decision.

I am conflicted because both my fiance have a peace in our own hearts about the marriage, and when we have talked to older people in our church, they are supportive, too. Come to think of it, everyone seems to be except for my parents who don’t have a "peace" about it in their gut.

To add to my sorrow over not getting married, I just learned that if I were to be married, I could fill out my FAFSA with my fiance’s information and receive the aid. He has been financially blessed and has enough savings to pay for our college with the aid, a small apartment, and he works to pay bills. We have run the numbers, and we can afford to do it which sounds too good to be true, but like I said, he has been financially blessed!

My mom has explained it to me like this… The world and evil are like the rain that falls upon us, and God is the umbrella. Under God’s umbrella is our parents’ umbrella shielding us, and if we step out from our parents’, we step out from God’s, leaving ourselves exposed to bad things and out of God’s plan for our life and His blessings. I love my parents and I don’t wish to defy them, I am just really conflicted about what to do! This is putting me in risk of not going to college this year (there are no job oppurtunities for me in my small, country hometown) and I am delaying a marriage that I long for! Any advice that you have for me would be so greatly appreciated! Thank you!

Hi I Met with an Accident in Nashville.My car was totalled i was not carrying collision coverage i have only liability. The Truck Came and Hit my Car at a intersection.At the Intersection one side there is blinking yellow and other side its blinking red.i was going on church street which has blinking yellow 3 more passengers where sitting in my car and all of them know that i was going on church street but the other driver was also telling he is coming on church street and i ran the red light (that i was not coming on church street) the Police came to the spot and they gave police report as Case of Confusion and they cant determine whoz fault it is. Both Insurance parties took the statements and pictures of our cars .My Insurance Company is GEICO they are telling i am not having collision coverage so only other insurance liability should cover me.But the Other Insurance company is Still investigating when ever i call them the adjuster tell that her supervisor is still investigating. Its already 22 days till day. i have lot of amount of car loan on my car. Please any one suggest me what should i do ? ..after the accident my car spin once and the point of rest of my car was facing towards church street from where i came.my car passenger side was crashed and back side of passenger side was crashed. The other car driver side was crashed and back side of drivers side was crashed and his cars point of rest was church street facing the wrong way traffic. Please any one help if you get any idea on this it already been 22 days that it happened.

Thanks in Advance ..

Thank you for clicking on my question. I am a Christian believer. I am not the type who goes around telling people that they will go to hell and all that stuff when they do stuff that’s not right because I myself am not an innocent dove. I try to live my life in a way that is pleasing to God. Notice I said "I try". Anyway, one thing that I believe shows you the true character of a person is the way they go about their business when it comes to money. It makes me angry when I hear about a person lying in order to save a few bucks. Especially when they lie to get benefits like medicaid or WIC in order to not pay health insurance even though they make plenty of money to afford it. Anyway, I am a tithing Christian. Recently at my church, I found out that a couple who has a high ranking position in the clergy did something that has me second guessing. This couple bought a house, which is wonderful, nothing wrong with that. The problem is that the way they got rid of their other house is to do a Short Sale on it. In our city, like in many others around the country property values fell by an average of 30% last year alone. Bad for homeowners, good for buyers. From what I understood the loan from the house that they were living in was only under one of their names. I know this because they told me when they got the house about four years ago. So that means that only one of them had their credit ruined so that made it possible for the other spouse to take out the new loan for the new house since his credit is still perfectly clean. I know that they were making their payments just fine, but just put the house for a short sale to jump into a better house and take advantage of the buyer’s market. I have done the research on how a short sale works and it looks like all that happens in most cases is that you have to pay taxes on the difference between what you owed on the property and what your property sold for, which won’t be much if you’re on a low tax bracket. The reason why this is bothering me so much is because this couple is in ministry full time and they get paid a salary by the church. The bible says to give with a joyful heart, but when you hear about stuff like this from the clergy it takes away the joy of giving. Lots of people at our church are struggling financially and they still tithe. I have a steady income and don’t really know what it’s like to be in financial hardship like others thankfully. It just doesn’t seem right when the leaders of the church do stuff like this. Like I said I believe that a person’s true character shows in the way they go about their finances. What this couple did doesn’t seem ethical to me. Please give me your opinion on weather this was right or wrong. I know that lots you who don’t agree with Christians are going to take this question as an opportunity to say how hypocritical we are and stuff, but it’s ok, you have the right to your opinion. Sorry for the long question.

Looking to buy my first house, I have one in mind, I’ve calculated a rough estimate of a payment online, and put together a budget to see if I can afford everything before I go to the bank. Those of you that own a house, look at my list and see if I’ve missed anything. The house has had a lot of work done (carpet, shingles, plumbing, cabinets, sink/stool, furnace) so I don’t see a lot of repairs coming up.

Thanks!

Mortgage
Groceries
Clothing
Car Gas/Maint
Electric
Gas
Sewer/Water/Garbage
TV/Internet/Phone
Church
Other/Misc
Car Insurance
House Insurance

When I factor the above expenses with my income, I have 12% left over, or 5.92.

All advice is appreciated!!!! Thanks!

The damage caused to the church by the bombing was 8,000. Insurance covered only 0,000. To raise the remaining funds, the church held a baked goods sale that earned ,000, and a rummage sale that earned ,000. Private donations to repair the church reached ,000. What was the amount of the loan that the congregation had to get repair the church?

Can a religious corporation provide insurance to all of its churches under its control? For instance, if the church’s headquarters is located in New York and it owns or provides loans on physical structures across the USA, can the corporation receive insurance payments from those individual churches? Headquarters will send invoices for payment and the individual church congregations will pay the bill. In case of a catastrophic loss, headquarters will pay for the loss.

But my question is, can an non-profit entity avoid the paying of taxes with such a format?

cuz then the computer electricity cost would cost more than food + HOUSE MORTGAGE + apartment rent + Car payment + Car insurance + income tax + sales tax + church tax + Governemnt tax + Birthday Party Tax + Internet Tax + High school tax + middle school tax + father’s day tax + independence day tax + mother’s day tax + 4th of July tax + Christmas Tax?

I was just reading a story about people who don’t feel they are doing very well right now. Tell me what you think?
"The value of their house is down ,000. Ms. Parnell says the couple’s gross income last year was about 0,000(about ,700 per month). Taxes, premiums for medical care and deductions for Social Security and their 401(k) contributions cut the gross to about ,000 per month(remember, 401k contributions come out of that 00 per month). The family tithes ,300 a month at their church (00 per month!). Their mortgage, second mortgage and payment on land they bought is nearly ,000 a month. Other expenses, including their family car payment, insurance and college funds, as well as basics like food, utilities and donations to charities, leave them with about ,200 left over each month."

I’m just curious, after paying all of your expenses, contributing to your 401k, college funds, and tithing 00 per month, how many of you have 00 left over…each month?
If you do, do you (or would you) feel like you are doing ok?

I am a mechanical engineer and to date I have been an employee so small business ownership is new to me. I am at the very beginning stages of starting my first franchise. It is a small sandwich shop which will be about a 0-400k investment. My application to the Franchisor is still is in the approval process and I starting to put together a team of people to do this. So far I have: Attourney, Accountant (for both book keeping and taxes), A Commercial Real Estate Agent, Insurance Agent, Credit Union Loan Officer. Does anyone have any recommendations of other ‘must have’ people whom I should inlude?

Thanks in advance.

Okay, hello.
I have posted this question a few times, but it is come up again.. I thought I could get something handled by them, but they are not making it easy.
So, I was on staff at the Church of ******** and they pressured me into using my car. Now, I was going on vacation, so I DID offer for them to have use of my car, but it was used by another staff member.. we did get paid. Longer story short, they totaled it. Now, it WAS the other person’s fault, not the driver of my car’s… which, I did not give THIS particular driver who wrecked my car PERMISSION to use it!!
But anyways, so she was not at fault the other driver was.. BUT STILL.. the church claims they do not have insurance, since at the time they did not have a car!
Seems crazy for this particular church since it IS a business, meaning people go there, pay money, to get services, auditing, etc.. take courses.

Okay, so this caused HUGE stir in me and what I should do.. part of me didn’t honestly care that much, I have bigger THINGS to worry about and just wanted to do the right thing for MY parents, who REALLY helped pay the 00 for the damages.

To make matters worse, man this is a horrible situation for me to be in..
because I really do LOVE this church and what abilities I have gained from them, but it still doesn’t excuse them for not being responsible.
So, my dad was PISSED to say the least that they did not want to take responsibilty for what happened to my car.. I loaned it to them on good faith, they get in an accident and I have not seen ONE PERSON at the org do ANYTHING about it!! it’s mind blowing!!

So, it gets much worse.. so this new lady the Ethics officer comes in a few years later, and I tell her what happened, this was last year.. finally someone is going to do something about it!! but, wait, they are not taking my side on this and making it seem, like well, I am the one who LEANT the car, so I should be resposible and not the church. PLUS, they are sayign it’s the INDIVIDUAL people who are responsible not the ‘church’ AT LARGE!
I felt this way for years, but now realize.. NO, they were on CHURCH business, using MY CAR because they did not have one.. they should have responsibility in the situation!!!
So, they had a meeting BEHIND MY BACK, while I was at work that my mom DID NOT TELL ME ABOUT for 5 months!!
this part is what gets me sooooo angry!
I was invited to the meeting, but I had to work, and I knew that they were twisting the story around to not be responsible, and try to make ME somehow be in the wrong!!
I KNOW, NICE CHURCH, EH??
So, I went up lines, at the organizatin, before and during this meeting WITHOUT KNOWING this meeting took place to try to get someone else on MY SIDE about the situation, and HELP ME!!
I really loved the church and wanted to expose my parents to it, but I wanted everything to go well, and this bad PR shit that the church has going on, is not helping us ONE BIT!!!

Anyways, so I have thought long and HARD about suing them.. I haven’t yet, one because the statue of limitations is already gone.. but I COULD sue them in SMALL claims court which is better than nothing!!
oh, i forgot to mention that at this mEETING that I was not told aobut my mom AGREED to take 0 !!! when originally the damages were 00!!!! OMG!! I WAS SOOOO MAD!! especially because of all the hard work I’ve been doing UP ABOVE my church to make sure it was handled correctly!!
anyways, I called and asked this Ethics officer, what was going on , as I finally received a letter back from them saying that it was all taken care of at the local org..
I thought.. hUM… great!! not what I was hoping for!!
So, I call the person in charge who makes me feel like a fool for not knowing it’s already handled!!
Then, I go to the ethics officer, Mary, who says IT’S NOT handled yet, and it , get this, "WOULDN’T BE FAIR" FOR me to find out yet, since they weren’t for sure what’s happenign!!!!!!
OMG!! I THOUGHT.. wouldn’t be fucking fair!!!
UH, WAIT a minute.. ??
so I tell my mom this story.. THIS IS BEFORE knowing she went to the meeting and agreed, and she was upset, by me, so she called Mary herself… now meanwhile, my mom had been secretly waiting.. meaning nOT telling me, that she was waiting for the 0 that she agreed to 5 months ago!!!
I know this sounds REALLY COMPLICATED.. but it’s really not!
So, Mary told her, to come down and she could COLLECT THE MONEY!!!!
After Mary just told me NOTHING HAD BEEN agreed upon yet, and It wouldn’t be FAIR OF ME TO FIND OUT!!!/?????
I AM SOOOOOOOOOO BEYOND words how that makes me feel.. sooo betrayed!!!

So, question, do I sue, do I try HARDER to get them to help me out and do the RIGHT THING??

I know I’M MAKING THIS SOUND horrible, and it is.. but
honestly, part of me just wants to get this OVER WITH!!

Thanks, if you read all that!!;)

p.s. i had LIABILITY oNLY not full coverage..
p.p.s.. the person that hit Janice, the lady driving my car, had
I TRIED getting a lean on the lease of the driver who hit Janice, in my car..
but first off, the other driver was a loser who tried to leave the scene of the accident, and THEN, was flagged down by someone else..
he provided FAKE insurance at the scene of the accident.
because he was a loser, anyways, I put out something.. so when he went to register his car, they would take the car, sell it, and give us the money.. or so, that’s what we were lead to believe..
anyways, it NEVER happened, that guy got away SCOTT FREE.. and was not held responsible, for not only having FALSE info at the scene, but for my car as well..
whatever to the smartass who’s telling me to WISE UP.. I told Elena the person I gave the car to ONLY THAT person.. could drive my car.. it isn’t up to the CHURCH./? give me a break??
wtf??

1) pay home insurance
2) pay some on my personal finance loan
3) pay some on my credit card
4) use some for vacation and wedding
5) donate some to a church
6) save for bills

I can’t complete all of these with 00 but it will help out
I just wanted some advice…that is why I asked here.

Required Funds and Their Uses

Sources of Funds:

Loan 1,471
*Loan repayment for 10yrs. At 7% interest
Owners capital 5,000.03
Tiana’s church donation 0,000
Tiana’s parents donation 0,000
Adria’s church donation 0,000
Adria’s family donation ,000
Chelsea’s family donation ,000
Anthony’s family donation ,000
Total Start up cost for the year: ,601,471.03

Rent 0,000
Kitchen equipment rent ,000
Utilities 4,000
Telephone line installment ,000
Insurance ,000
POS Systems ,000
Uniforms 4
Small wares ,000
Menus ,500
Food vendor 4,000
Liquor & Beverages 0,000
Cable installment 0
Legal Fees ,000
Accountant ,000
License and permits ,800
Computer 7.88
Internet, phone, & cable package ,305.48
Office supplies ,384.56
All in one fax & printer 9.99
Marketing ,050
Entertainment ,000
Linens 00
Salary 0,000
Wages 1,920
Payroll ,269.12
Subtotal ,601,471.03

Our old church sold the biulding we had & after paying off the mortgage they had over 0,000. The pastor feels he should get a lump sum from this as a retirement package. As far as we can tell he is looking for around 0,000. While we were still at the chuch & on the board we took good care of this man and his family. We paid him around 35K and we actualy gave him the church parsonage & continude to pay the mortgage & all utillities. Once the parsonage is personle property it gets taxed we paid that too & all property taxes scinc hes owned it. We gave him a car allowance & pay all the insurance gas maintainence repairs. Medical & life insurance are allso provided. On top of all this we set up a retirement package for him. Now he says he was never given a retirement plan. Imajine if you could put all the bills we paid in your retirement. His current board wants to give it to him 200,000 How can we stop this man from taking what was given to do the work of the church

We owe too much on a truck..way more than it’s worth..it’s financed as a second mortgage.(Commercial Loan) ?? What would happen if the truck was totaled? Would the insurance company pay for what we owe on the truck? Just curious.

I do NOT need listing services like craigslist. I need information about insurance requirements, setting up personal finances to account for rental income, tax implications, etc.

http://www.samesexmarriage.ca/legal/ontario_case/appeal/pride_week_marriage.htm
clearly states:
“When (gay American) couples who marry in Canada come home — they will be as married as any people on the planet. That means, for example, the couples will identify as married on applications/forms for jobs, apartments, credit, mortgages, insurance, medical treatment, and taxes.”

That’s a quote from an article on June 13, 2003.
It clearly states that direct & loud. A gay marriage from Canada is recognized everywhere in the U.S.!
It clearly states that. That’s a quote. A direct quote.

yet I am hearing people tell me that this is not true.

but if it’s not true…….
How come Canada advertized commercials to invite gay Americans to get married in Canada?

and how come so many Americans traveled to Canada to get married?
and don’t tell me "it was for ceremonial purposes" because if it was for ceremonial purposes it could be done from the U.S., no need to go to Canada.
Even Wikipedia’s take on it says:
"Canada and the U.S. have a history of respecting marriages contracted in either country."

I only need the insurance to qualify for a business line of credit, so the amount to insure only needs to be ,000.00 (as opposed to 1 million that I keep getting quoted for a premium of at least 0.00

I am looking at buying a 90 unit storage unit facility. It is fenced and does not have power/water to the property. I’ve seen the 2006 & 2007 taxes for the property. They claim the gross income appr. k (both years) They are asking 9k for it. I spoke with my lender. I have to come in w/ 30% for a commercial loan. I’m considering offering 5k, so I would bring ,500k via 1031 exchange. My loan amount would be 7,500. With a loan of 7.3% so payment of 50. So they average k a month. But taxes/insurance/other expense eat up about 0. Do you think it’s worth the hassle for 0 a month? The units are about 15 miles from my house. I currently work a full time job and not sure if I want to take this on. My job is flexible so I could leave during the day to meet people if needed. Any other investors opinion?
I have researched starting from scratch. 1 acre of land (the units sit on 1 acre) is appr. 0-160k, the units to be built are appr. k each (3 buildings) For a total of 5k. The units have the potential at full rental to make k.

My sister put money down on a home that was listed as residential property, it was infact a duplex that she planned on moving into both halves and eventually making it into one home. She got approved for the loan, sent the check to the insurance company, and put the money down, and when she got it appraised, the guy told her that it was commercial property and couldn’t get the house unless she put 20% down. She cannot do that, and the insurance company and real estate places have already cashed their checks. She is very interested in owning this home, what can she do? (it was listed as residential property i believe, this is her first time buying a home, and she needs a big place.)
The house is listed as residential-multifamily, and the appraiser came in and said it was commercial. It is located in eau claire, so is there anything that she can do?