Wednesday, July 30, 2008
New York Times says the Homeless population has decreased
So how do you count the homeless?
If they live in a long term rehab shelter are they still homeless?
If they live in a cheap hotel/motel and pay rent daily or weekly are they still homeless?
Do the researchers go into the wooded areas near interstate highways and look for the shanty towns hidden from view?
Do they count the people living in cardboard boxes alongside dumpsters, and technically if they have a roof over their heads are they still homeless?
If they don't have a place of their own but live in one room with friends or relatives, without paying rent are they homeless? Around here the social service agencies call that "doubling up" and it is usually a temporary fix until the "host" family can't tolerate the "guest" any more.
Are they only homeless if they come to a shelter for overnight lodgings or do you count those who can't get into a shelter?
Or if they can't find the homeless do they just not care and remove them from the list?
If they live in a long term rehab shelter are they still homeless?
If they live in a cheap hotel/motel and pay rent daily or weekly are they still homeless?
Do the researchers go into the wooded areas near interstate highways and look for the shanty towns hidden from view?
Do they count the people living in cardboard boxes alongside dumpsters, and technically if they have a roof over their heads are they still homeless?
If they don't have a place of their own but live in one room with friends or relatives, without paying rent are they homeless? Around here the social service agencies call that "doubling up" and it is usually a temporary fix until the "host" family can't tolerate the "guest" any more.
Are they only homeless if they come to a shelter for overnight lodgings or do you count those who can't get into a shelter?
Or if they can't find the homeless do they just not care and remove them from the list?
Friday, July 11, 2008
a silver lining to the recession
In Miami divorce rates are down 18%.
Apparently the part of the vows that actually keeps people together is the "for poorer" part because they can't afford to divorce or live in two separate households.
Apparently the part of the vows that actually keeps people together is the "for poorer" part because they can't afford to divorce or live in two separate households.
Sunday, July 06, 2008
GMAC mortgage
Long story short.
We got a settlement from Ken's worker's comp accident.
We decided to pay off the mortgage.
We called, got a pay off amount and mailed a certified cashiers (bank) check to the address provided.
It was received on May 27 and signed for by someone at GMAC.
They have not credited the account
and they now tell us that we owe late payments for June.
They lost the check - a check for over 84 thousand dollars and THEY ARE BLAMING US FOR IT!!!!!!!!!!
And upon investigation on the internet we find that GMAC mortage does this frequently. Loses checks and then tries to forclose on the poor homeowner while they tell them "not to worry".
So beware. if you have a mortgage held by GMAC this could happen to you too.
We had to engage an attorney to protect our interests.
If you are in similiar situations please be careful.
We got a settlement from Ken's worker's comp accident.
We decided to pay off the mortgage.
We called, got a pay off amount and mailed a certified cashiers (bank) check to the address provided.
It was received on May 27 and signed for by someone at GMAC.
They have not credited the account
and they now tell us that we owe late payments for June.
They lost the check - a check for over 84 thousand dollars and THEY ARE BLAMING US FOR IT!!!!!!!!!!
And upon investigation on the internet we find that GMAC mortage does this frequently. Loses checks and then tries to forclose on the poor homeowner while they tell them "not to worry".
So beware. if you have a mortgage held by GMAC this could happen to you too.
We had to engage an attorney to protect our interests.
If you are in similiar situations please be careful.
