Paid Work From Home – how to pay off completely home equity?
Paid Work From Home
Question by oo-mm-gee: how to pay off completely home equity?
ive heard of lawyers that can go through a process to help get rid of the equity on your house but i dont know if this is true , and if it is how do i get started and where?
also if its not true how can i pay it off quickly ?
Best answer:
Answer by Go with the flow
Don’t pay any lawyer or company to do this for you.
Why pay for something you can easily do yourself?
Opinion: Whenever you get extra money, just make an extra payment towards principal.
Just make sure you do this AFTER you have your 5 months worth of income socked away and higher interest debt paid off in full first.
Again, don’t get scammed by mail, tv commericials, junk emails or mail.
Just because you are not paranoid, does not mean they are not out there to get you.
What do you think? Answer below!
Once upon a time, I used to call my friends from payphones like this. Now I’m afraid I’ll get swine flu if I touch it…
Image by Ed Yourdon
The streets were wet when I got up a few days ago, and the weather forecast called for rain throughout the day. Consequently, I decided to spend my half-hour of daily "photography time," during my lunch-break, down in the subway station, where I knew I could stay dry. Since I had a mid-afternoon appointment on 72nd Street, I decided that instead of photographing at my own local subway stop, I would take the train downtown and hunker down in a quiet corner to see what came my way. I found a quiet bench on the downtown side of the 72nd Street IRT line, and sat patiently to see what would happen across the tracks, on the uptown side… Later in the afternoon, when it was time to head back home, I spent half an hour sitting on the uptown side of the tracks, waiting to see how people were behaving across the way…
As is often the case, I got a consistent sense of solitude, isolation, wistfulness and even loneliness on the part of the subway riders I was observing; maybe the gloomy weather up above made them all pensive, or maybe that’s the way they always are, when alone in the subway. Whatever the reason, there were only one or two cases where I saw people laughing, smiling, or chatting cheerfully with one another.
As with the last subway group that I shot at ISO 6400, there’s a little bit of noise/graininess in these images — but I decided to leave them that way. I did adjust the "hot spots" (areas over-exposed from the fluorescent lighting in the subway station) and "cold spots" (shadows and dark areas), and punched up the color a little bit. But aside from that, this is yet another view of the typical daytime scene on a typical NYC subway line…
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Note: this woman certainly doesn’t look pregnant; nevertheless, this photo was published as an illustration in an undated (Nov 2009) Squidoo blog titled "SWINE FLU AND PREGNANT WOMEN." It was also published as an illustration in an undated (Nov 2009) blog titled "Women and Polycystic Ovarian Syndrome."
Note: this photo was pubished as #380 on Flickr’s "Explore" page on Nov 1, 2009.
Moving into 2010, it was published as an illustration in an undated (Jan 2010) Squidoo blog titled "Difficulty in ovulation." I don’t know why anyone would look at this photo and have any thoughts whatsoever about ovulation … but who am I to say? It was also published in an undated (Jan 2010) The Pregnancy Health blog with the same title as the citation that I used on this Flickr page. And it was published in a Mar 10, 2010 Payphone Org UK blog, with the same title as the caption I used on this Flickr page. It was also published in a Mar 27, 2010 Disease Report blog, with the same title as the citation that I used on this Flickr page. And it was published as an illustration in a May 12, 2010 Symptoms of Pregnancy blog, with the same title as the caption that I used on this Flickr page. It was also published as an illustration in an undated (May 2010) Squidoo blog titled "Why I Cannot Get Pregnant." It was also published in an Oct 25, 2010 blog titled "How Early Can You Get Pregnancy Symptom: Listen To Your Bodys Signals." And it was published in a Nov 7, 2010 Welcome All Mothers and Mothers-to-be blog, with the same title and detailed notes as what I had written on this Flickr page. It was also published in a Dec 13, 2010 blog titled "How To Get Pregnant If You Are Over 40," as well as a Dec 13, 2010 blog titled "Very Early Pregnancy Symptoms That Could Help Confirm Your Suspicion of Early Pregnancy."
Moving into 2011, the photo was published in a Jan 15, 2011 "Nice Music 2010 photos blog and a Jan 21, 2011 PlanMyBabyReview blog, with the same title and detailed notes as what I had written on this Flickr page. It was also published in a Feb 6, 2011 blog titled "Pregnancy Spotting – The Top 6 Most Common Causes Of This Scary Condition!" And it was published in a Mar 13, 2011 blog titled "What You Need to Know About Early Pregnancy Stages," as well as a Mar 17, 2011 blog titled "Top Tips On How To Get Pregnant Fast For parenthood – Best Tips for Getting Pregnant Fast." It was also published in a Mar 21, 2011 Health Tips blog, with the same caption and detailed notes that I had written on this Flickr page. And it was published in an Apr 26, 2011 Mommy Guide blog, with the same caption and detailed notes that I had written on this Flickr page.
Moving into 2012, the photo was published in a Jan 14, 2012 blog titled "Q&A: Ear infection, 6 month old when should I call her pediatrician?"
Moving into 2013, the photo was published in an undated (early Jan 2013) blog with a badly garbled version of the caption that I had originally chosen, i.e., "When on a time, I utilized to call my neighbors from payphones like this. Then I’m scared I’ll receive swine flu when I touch it…," and with the same detailed notes that I had written on this Flickr page. It was also published in a Jan 11, 2013 Affordable Medical Care blog, with the same caption and detailed notes that I had written on this Flickr page. It was also published in a Mar 12, 2013 blog titled "Bloomberg Announces ReinventPayphones Contest Winners," as well as an undated (late-May 2013) posting on a Swine Flu Information blog with a garbled version of the same caption that I used on this Flickr page.
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Over the years, I’ve seen various photos of the NYC subway "scene," usually in black-and-white format. But during a recent class on street photography at the NYC International Center of Photography (ICP), I saw lots and lots of terrific subway shots taken by my fellow classmates … so I was inspired to start taking a few myself.
So far, I’m taking photos in color; I don’t feel any need to make the scene look darker and grimier than it already is. To avoid disruption, and to avoid drawing attention to myself, I’m not using flash shots; but because of the relatively low level of lighting, I’m generally using an ISO setting of 800 or 1600 — except for my most recent photos with my new Nikon D700, which are all shot at ISO 6400.
I may eventually use a small "pocket" digital camera, but the initial photos have been taken with my somewhat large, bulky Nikon D700 DSLR. If I’m photographing people on the other side of the tracks in a subway station, there’s no problem holding up the camera, composing the shot, and taking it in full view of everyone — indeed, hardly anyone pays attention to what’s going on across the tracks, and most people are lost in their own little world, reading a book or listening to music. But if I’m taking photos inside a subway car, I normally set the camera lens to a wide angle (18mm) setting, point it in the general direction of the subject(s), and shoot without framing or composing.
So far it seems to be working … we’ll see how it goes…
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If I’m understanding you correctly, you’re trying to pay off your mortgage or home equity loan, right? Those kinds of deals you see advertised on TV or the radio are typically for people who are way over their heads in debt and have defaulted on one or more loans. They can negotiate with the company to settle the debt for less than the amount owed, but those kinds of deals are difficult to work out. Most of those ads are horse crap. They’ll take your money and do nothing for you.
If you’re struggling to make payments, you can just stop paying them and build up as much cash as possible. Then, call them and say, “I owe you $ 4,000, but I can’t pay that. I have $ 3,000, I can pay you today, will you take it?” Sometimes they will, sometimes they won’t. But really, the best thing you can do for your credit and your sanity is just to cut back on your expenses. You don’t need a smartphone, nor do you need crazy fast internet at home. Cut back on eating out and all other non-essentials, and you should be able to pay your loans down quickly.
Steps to paying down your debts:
1) make a monthly budget and stick to it. If necessary, put cash in envelopes designated for mortgage, gas, utilities, food, etc. so you know exactly what you have available for those things.
2) Cut back on your expenses, and put that extra cash toward paying your debts down, starting with the smallest one.
3) As you pay down each debt, put what you were paying on the other debts toward your remaining loans. This creates a snowball effect, letting you build momentum in paying off your loans.
4) Put aside an emergency fund, at least $ 1,000
5) Continue the debt snowball, paying off everything as fast as possible.
Good luck!
Nice Boots
Susan
Another perfect picture Ed with the subject bang in centre, love to know why she looks so sad.
wellygirl,
Thanks! Normally I try to put the subject off-center, but I thought it was important to have the pay phone, and also the pillar with "72" to show which subway station it was.
Of course, I have no idea whether the woman was sad — and if she was, why? But if you look at several of the individual photos in this Flickr set of subway photos, you’ll see that many people have a similar expression. I think that, in many cases, it’s not that they’re sad, but rather they’re taking advantage of the isolation they feel in the subway to day-dream, or to think about whatever is important to them. They might be thinking about lost love, past happiness, or good days to come…
Thanks for that Ed, your philosophy makes sense.
Hey cool payphone photo. I’ve got a website that shows these kinds of pictures. Would you let me use this picture on my site? ( http://www.payphone.org.uk/ )
Stuart,
Yes, you are welcome to use this photo on your website. You might also be interested in this Flickr set of photos of payphones in Manhattan, which I took in December 2007:
http://www.flickr.com/photos/yourdon/sets/72157603379450085
Excellent picture.
Pay phones are something that you don’t see very
often here in the USA. Everyone has a cellular phone.
Yes, I agree with you — and because of the disappearance of pay phones and their replacement with cell phones, I decided, a few years ago, to photograph all of the pay phones in my neighborhood here on the Upper West Side of New York City. You can see all of the photos here on Flickr:
http://www.flickr.com/photos/yourdon/sets/72157603379450085/
and you might also want to read my blog posting about this, called
Bye bye, cell phones
Nice street. Join us at and add your intriguing image: http://www.flickr.com/groups/urban_backpackers/
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About 3 days ago
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