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#Guest - Says,

last year my husband and i purchased an older home with asbestos siding . for appearance as well as maintenance sake we took out a second mortgage to have the siding covered with a vinyl siding , it substantially reduced our energy costs (we spent less than $400 heating our homelast winter) . well i want to know when the mortgages can be combined and other repairs can be made that can make our home improvements tax deductible......the second mortgage is through a private company and that was arranged through the contractors , the primary mortgage is a pity mortgage through fha. we pay biweekly on the primary mortgage but the second mortgage is a monthly one.....at this point our finances are getting tight because we are paying for home improvements and repairs with a credit card that was included in the second mortgage.(we did not budget for repairs when we got out mortgage)
#Justin - Says,

You would have to check the terms of both mortgages to see if there is any pre-payment penalty for refinancing. Some lenders, depending on the type of loan will have a prepayment penalty if it is refiancned within a certain time frame. Your second mortgage may have that, if it is tied to a credit card.

Once you have determined if there is a pre-payment penalty, then you will know what you will be able to do. I would strongly suggest talking with a tax advisor to find out if the interest on the credit card you are using for additional home improvements is tax deductible.

Since your finances are getting tight, I would suggest stop using the credit card until you can get an answer. It sounds like the credit card was a means of enticing you and your husband to select this particular lender for your second mortrgage. I would pay of the credit card as quickly as you can and use any extra money for your home improvement. It may cost you far less in the long run, even though it may take you longer to complete your remodel.

#Guest - Says,

thanks justin
#goodnatured - Says,

Yes, definately only do what you need to do on the credit card. You work hard for your money and need to be able to make it with out the stress of trying make ends meet. Once you get the necessaries done and paid off, you can splurge on what you want to do. It is really tempting to borrow and do it all at once, but you don't want to be struggling either. Goodluck
#SunDevilsFan - Says,

Becareful of the Credit Cards!!!!!
#debtstinker - Says,

Be very careful of credit cards....I know this from experience. very easy to get into the mindset oh i'll pay that off later but later comes and goes and the interest just accumulates big time. i learned my lesson after consolidation and will never put our family what i did a few years ago. thank goodness i have a very understanding husband who NEVER ONCE made me feel bad about my mistakes even though he was affected by them. i'm not so sure im that strong. it took two of us to get through it. so now we try to pay off our cards. i have to say they are nice with the holidays coming up but i'd much rather be looking at my situation in January and say 'oh i paid off my debt' rather than trying to come up with ways to pay for months on end
#goodnatured - Says,

Are we married to the same man debtstinker? Mine don't like to hear bad news, but he don't flip about it either, less stressful, huh.
#Laura - Says,

hey guys you opened a very old thread. that was in 2006 i can see. Smile
#SunDevilsFan - Says,

Yeah, ur right!!! I see it now!!! Sorry bout that!!! Very Happy
#Dadummy - Says,

Still a good conversation going on here about the credit cards. Is it ok to open an old thread if the content still pertains to something worth discussing, don't know, just curious? or is it better to open a new thread completely. Could you shed some light Laura, what are your thoughts?
#goodnatured - Says,

I think it is ok to pull an old thread instead of building a new one if the information is relevant and worth discussing again. But on the other hand guess you could always start a new one, I don't think there is any hard and fast rule on this.
#george - Says,

Hey we can continue the discussion here as well. Smile
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#goodnatured - Says,

Larry,
Are you posting this every forum?

#fireyone - Says,

It is looking like it. I can see that this is an old thread but I am actually glad someone has pulled it. I was in the very same position jut months ago and could have used a post l;ikke this.
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The altar situated through the choir in St George's community center available on Windsor fort. concept: Dominic Lipinski/AFPSource:AFP

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The religious organization goes to the ancient. pic: Dominic Lipinski/AFPSource:AFP

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St George's hall every Windsor adventure in which the wedding celebration are going to maintained. situation: Dominic Lipinski/AFPSource:AFP

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Las autoridades estadounidenses investigan una docena de nuevas denuncias de abuso this crippling contra un mdico y su novia, que ya haban sido imputados por drogar y violar a dos mujeres.

El fiscal overall del condado de Orange, Tony Rackauckas, Quien lleva adelante l. a,chicago investigacin, assure el viernes que en los ltimos das recibieron ms de 50 llamadas que guiaron a 12 posibles nuevos casos contra Grant Robicheaux, un cirujano ortopdico de 38 aos, gym su pareja, Cerissa Riley, nufactured 31.

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Any girl can be polite and friendly when you strike up a call with her, But if she in reality likes you, The while conversing will take a playful and flirtatious turn. She'll laugh at your jokes and go out of her way to go with you. Some girls will take the less obvious approach and tell you they enjoyed watching you score the winning goal at your soccer game, But other girls can be more forward. If she leans in and whispers that you be ideal in your green shirt, Take note that she's definitely focused on you.

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ever been at your after school job flipping hamburgers and looked up to see the girl you like ordering at the counter for the third time in a week? If this has started happening a lot more than ever before, And if she helps make a point to wave and smile at you when she visits, She might be hoping for a chance to talk to you. give up, terrible just enjoy a tasty burger, So keep your antennae up for any other possible meetings where you she might seek you out. Maybe she's constantly walking by your locker to talk to you between classes, Or you begin to see her regularly at each of your local hangouts. If you start seeing her places where you normally spend free time, She might be looking for ways to your attention.

every bit as, Any girl who starts attending your after school occurrences or sports functions to see you is sending a clear signal that she has feelings for you, particularly when she's your loudest cheerleader. Maybe her afternoon run leads her through the area where you and your friends play basketball, And she just happens to stop and talk for time to see how you're doing. Taking note of your successes, Like recognizing you for winning a college scholarship, Shows that she admires you and gives creedence to what's going on in your life.

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within the last few half century, The prevalence of childhood disabilities inside the has been on the rise, Possibly due to an increased awareness about these complaints. Now a study published in this week's online issue of Pediatrics suggests the nature of those newly diagnosed disabilities is changing.

The article, "Changing Trends of Childhood disability, 2001 2011 found the number of American children with disabilities Charmdate scam reviews rose 16% over a 10 year period. While there was clearly a noted decline in physical problems, There was a large increase in disabilities classified as neurodevelopmental conditions or mental health issues, as an example ADHD and autism. Amy Houtrow, Chief of the Division of Pediatric rehabilitation Medicine at Children Hospital of Pittsburgh.

people looked at data collected from the well known National Health Interview Survey between 2001 2002 and 2010 2011. In the survey, Parents were asked to fill out a questionnaire indicating if their children had any health disadvantages such as speech and language disabilities, add, cerebral disabilities, And/or over emotional and behavior problems.

They used, of course, that youngsters from poorer families still had the highest rates of disabilities overall. But they also found that children living in more affluent homes reported the largest increase in disabilities: 28.4% over the learning period.

"The disparities were intriguing and not really expected, exclaimed Houtrow. "But the steepness in an upswing (Of issues in affluent children) Makes me think there has to be different stresses, external experiences and or other risk factors in these families. All this should also be studied,

Houtrow said the changes could be due to a number of things. just like, People in higher economic groups are often more well-off dealing with children disabilities, both mental and physical, She menti one d, So they able to seek help from their doctor. This can lead to more accurate reporting from that income bracket.

Families have other things to consider first, Including putting food available, Houtrow reported. Children's learning afflictions are of concern, But they need to take care of other things, Like craving for food, Lack of good health care and other factors,

This is not the first study to see an upward trend in mental health disabilities in children in recent years. The Centers for Disease Control and Prevention released a study in 2008 that saw massive jump in ADHD and learning disabilities. And recording, The CDC released another report saying 1 in 68 children in america has an autism spectrum disorder, A 30% increase from 1 in 88 two these days.

Houtrow hopes the study's findings will open up further homework into why these trends are happening.

"I think it's a proactive approach, spoken Houtrow. "It's a call to action to the health care system and a call to get more detailed research. And it's a call to action to parents to stress over their child's development.. Healthy children grow up to eat well adults. Knowing how to better treat our younger generation is extremely important to this country's future,

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Why doesn't a guy ask you out on a date after flirting touching and talking on i phone with you every day for over three weeks

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It's also likely that he really is just not into you or doesn't "Like you in that position, It absorbs, But it happens. Feel free to ask if you want and are happy.

Maybe he has pick up. Ask him to lunch in the park: Each bring a sandwich. Or window buying things. Or anything free or really relatively cheap. You don't have to say it's a date.

I have stoped looking at this guy for 2 weeks and he keeps on looking at me and showing and getting my attension he was talking to a girl and looked at me was he flirting i like him too?

good, If he keeps looking at you and showing off, or anything else,.,and so. Theres something doing. My ex is very jelous of me and AsiaME.COM he dating. He keeps looking into me, Getting my appeal to, And a great deal of stuff. I am very confused with everything else. however act like yall are friends. Then flirt a little not a great deal just talk to him. But if he starts getting close to you, Wait for him to ask find out more.

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I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
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#Bodaway Cliff - Says,

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#Gilbert Paul - Says,

I’m happy to share my experience with people on how I got my credit fixed. I almost lost my family’s happiness because I couldn’t pay my daughter’s medical bills last year. My credit was 425 and was also struggling with eviction before now, there were other negative items on my report such as IRS and delayed payment. My wife discovered 760PLUS CREDIT SCORE online and everything got better. They helped us after narrating our predicaments and also meeting their demands. They cleared our eviction and IRS and also upgraded our score to 790. I’ll recommend 760PLUS CREDIT SCORE to anyone who genuinely needs help. You can contact them via 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902. Thank me later!
#Gilbert Paul - Says,

I’m happy to share my experience with people on how I got my credit fixed. I almost lost my family’s happiness because I couldn’t pay my daughter’s medical bills last year. My credit was 425 and was also struggling with eviction before now, there were other negative items on my report such as IRS and delayed payment. My wife discovered 760PLUS CREDIT SCORE online and everything got better. They helped us after narrating our predicaments and also meeting their demands. They cleared our eviction and IRS and also upgraded our score to 790. I’ll recommend 760PLUS CREDIT SCORE to anyone who genuinely needs help. You can contact them via 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902. Thank me later!
#Gilbert Paul - Says,

I’m happy to share my experience with people on how I got my credit fixed. I almost lost my family’s happiness because I couldn’t pay my daughter’s medical bills last year. My credit was 425 and was also struggling with eviction before now, there were other negative items on my report such as IRS and delayed payment. My wife discovered 760PLUS CREDIT SCORE online and everything got better. They helped us after narrating our predicaments and also meeting their demands. They cleared our eviction and IRS and also upgraded our score to 790. I’ll recommend 760PLUS CREDIT SCORE to anyone who genuinely needs help. You can contact them via 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902. Thank me later!
#Ryan Havila - Says,

My husband and I had some couple of negative items with relatively low score that disqualified us from everything. So we searched for a credit expert on credit magic to help us fix our credit score, we agreed to trust 760PLUS CREDIT SCORE after we have read good reviews and trusted recommendations from people about him, we explained the negative items on our report to him and he gave us a period of one week. Eventually, we finally got an excellent result within 7 days .Our score were increased to 780 and 805 respectively .All debt were marked as paid, late payment appeared as on time payment and other negative item were deleted. I recommend the hacker to people that want to fix their credit problem. Write him via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774 -5902.
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