Leon, Swingman, et al - We're praying for you

On Friday, August 25, 2017 at 10:59:43 PM UTC-4, [email protected] wrote:
> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
> wrote:
>
> >On 8/24/2017 5:29 PM, woodchucker wrote:
> >> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
> >>> For all you folks in the path of Harvey...
> >>>
> >>> I just said a prayer for you. Good luck!
> >>>
> >>
> >> I hope you guys survive unscathed.
> >> My BIL and SIL are headed down there, her Dad passed away. I'm wondering
> >> if they will really bury him with the conditions expected.
> >>
> >> I hope everyone in the path is spared as much as possible.
> >>
> >
> >Depending on where the burial site is located, they probably will not be
> >doing any burials until the ground is less saturated.
>
> That isn't unusual. In Vermont, there are no burials between
> Decemberish and Marchish. Blasting graves is cost prohibitive.

Cremation warms the heart...among other things.

On Sunday, October 29, 2017 at 3:56:00 PM UTC-4, Leon wrote:
> On 10/28/2017 3:11 PM, -MIKE- wrote:
> > On 10/28/17 2:44 PM, Bill wrote:
> >> Swingman wrote:
> >>> On 8/25/2017 4:02 PM, Leon wrote:
> >>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
> >>>>> For all you folks in the path of Harvey...
> >>>>>
> >>>>> I just said a prayer for you. Good luck!
> >>>>>
> >>>> Thank you!=C2=A0 Swingman is in Arkansas for the summer.=C2=A0 ;~(
> >>>>
> >>>> Nailshooter, in San Antonio, is concerned and my wife and I are in t=
he
> >>>> NE area of Texas.=C2=A0 We will have to watch out for the 25+inches =
of rain
> >>>> over the next few days.
> >>>>
> >>>> Thank you again!
> >>> Give it up, Bubba... I am so under water at this point even my realit=
y
> >>> check bounced, so broke I can't even afford a trip down memory lane.
> >>
> >> I'm glad to hear you are in good health!=C2=A0 I'm sorry you encounter=
ed=20
> >> some "speed bumps".=C2=A0=C2=A0 I sincerely hope that things go your w=
ay (you=20
> >> have too good of an attitude for that not to happen)!
> >>
> >> Bill
> >>
> >>
> >=20
> > I'm pretty sure that was an imposter and not the real Swingman.
> >=20
> >=20
> No, I think that was him.

The tax bill looks legit although I'm not sure how you don't pay any proper=
ty taxes for close=20
to 10 years. Don't they foreclose after a while?

On 8/26/2017 12:17 AM, -MIKE- wrote:
> On 8/25/17 10:47 PM, DerbyDad03 wrote:
>> On Friday, August 25, 2017 at 11:42:29 PM UTC-4, -MIKE- wrote:
>>> On 8/25/17 9:59 PM, [email protected] wrote:
>>>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>>>> wrote:
>>>>
>>>>> On 8/24/2017 5:29 PM, woodchucker wrote:
>>>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>>>>>> For all you folks in the path of Harvey...
>>>>>>>
>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>
>>>>>>
>>>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>>>>>> there, her Dad passed away. I'm wondering if they will really
>>>>>> bury him with the conditions expected.
>>>>>>
>>>>>> I hope everyone in the path is spared as much as possible.
>>>>>>
>>>>>
>>>>> Depending on where the burial site is located, they probably will
>>>>> not be doing any burials until the ground is less saturated.
>>>>
>>>> That isn't unusual.  In Vermont, there are no burials between
>>>> Decemberish and Marchish.  Blasting graves is cost prohibitive.
>>>>
>>>
>>> Have any evidence for that?
>>> Most cemeteries use a backhoe to dig them and I haven't met one yet that
>>> can't dig through frozen dirt in the winter.
>>>
>>
>> Just one of many Google hits...
>>
>> http://articles.latimes.com/1994-05-01/news/mn-52603_1_funeral-director
>>
>
> Interesting.  Seems like they just don't want to put the work in.
> I grew up on Lake Erie with a 4 foot frost line and it never stopped us
> from digging footings.
>
>

Dead people are no longer paying customers.... ;~)

On 10/29/2017 5:53 PM, Ed Pawlowski wrote:
> On 10/29/2017 5:59 PM, Leon wrote:
>> On 10/29/2017 4:13 PM, DerbyDad03 wrote:
>>> On Sunday, October 29, 2017 at 3:56:00 PM UTC-4, Leon wrote:
>>>> On 10/28/2017 3:11 PM, -MIKE- wrote:
>>>>> On 10/28/17 2:44 PM, Bill wrote:
>>>>>> Swingman wrote:
>>>>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>>>>> For all you folks in the path of Harvey...
>>>>>>>>>
>>>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>>>
>>>>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>>>>
>>>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are
>>>>>>>> in the
>>>>>>>> NE area of Texas.  We will have to watch out for the 25+inches
>>>>>>>> of rain
>>>>>>>> over the next few days.
>>>>>>>>
>>>>>>>> Thank you again!
>>>>>>> Give it up, Bubba... I am so under water at this point even my
>>>>>>> reality
>>>>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>>>>
>>>>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>>>>> some "speed bumps".   I sincerely hope that things go your way (you
>>>>>> have too good of an attitude for that not to happen)!
>>>>>>
>>>>>> Bill
>>>>>>
>>>>>>
>>>>>
>>>>> I'm pretty sure that was an imposter and not the real Swingman.
>>>>>
>>>>>
>>>> No, I think that was him.
>>>
>>> The tax bill looks legit although I'm not sure how you don't pay any
>>> property taxes for close
>>> to 10 years. Don't they foreclose after a while?
>>>
>>
>> In Texas, perhaps other states, you can claim the property tax
>> deferral exemption at 65.  When you sell you owe back taxes plus 8%
>> interest IIRC.  Not a bad deal IF your home appreciates in value or if
>> you never sell.
>
>
> Looking at the dates and lateness you can infer it is a tax deadbeat,
> but knowing of the deferment option, it is a pretty good fiscal tool.
> I'd do that here if offered.  I have no plans to move so the taxes would
> come out of my kid's inheritance when they sell this place.
>
> Good for Swingman.

Precicely

On Tuesday, October 31, 2017 at 12:33:03 AM UTC-4, [email protected] wrote:
> On Monday, October 30, 2017 at 12:00:32 PM UTC-5, Ed Pawlowski wrote:
> =20
> > Of course, if you have the ability to do this you probably planned ahea=
d=20
> > enough not to be in the position of needing beer money from your house=
=20
> > equity.
>=20
> I have got to pass this thread on to one of my neighbors. At 87 years ol=
d, he is broke. What a dumbass, right? No money left from his retirement a=
ccount that he put money into for 30 years, and no other fine investments. =
All eaten up in a 12 year battle with his wife's Alzheimer's treatments. =
She finally died, and he is penniless. =20
>=20
> If he only had you guys to guide him. He could have ditched her somewher=
e along the line, (not his style) or let her suffer so he could invest or h=
ang onto his beer money.
>=20
> As it was his stupid ass sold everything he owned and he now lives in a h=
ouse that is just a bit above falling down. He doesn't really know how stup=
id he is... maybe I can get one of you to contact him and share this brilli=
ant illumination on how the world works in your tiny sphere of experience.
>=20
> As it is, the reverse mortgage was his only hope. He can't qualify for a=
loan since he cannot demonstrate the ability to pay it back (good jobs are=
scarce at his age)and he has no reserves. Maybe he should give the money =
he got from the reverse mortgage back... I wonder.
>=20
> As it is, he will get $XXX a month which will allow him to live on his re=
maining Social Security and continue with his heart medicines. The way his=
is structured, he will get 15 years of payments, and if he makes it that f=
ar he will be drawn out. If he expires earlier, then the estate gets a cons=
ideration based on how much was paid out and much time remained.
>=20
> What an idiot, eh? If only he had queried here first.
>=20
> I wonder when I read the profound bitterness and closed minded, self righ=
teous thinking here what in the world happened to this group. Can your wor=
lds be so small as to only think of the world as only what exists in your e=
yesight? For a group that claims such worldly, expansive human experiences=
it is stunning how tiny minded so many are.

+1 and a lot more.

What some folks seem to be missing is that (in most cases) people don't tak=
e out a reverse
mortgage because they *want* to. It's usually the last option available to =
them. They are out
of funds and don't have enough income for everyday, minimal living expenses=
.

Take out a home equity loan and invest the cash? Where's the income stream =
that the bank=20
requires to prove that you can make the payments? In the situations we're t=
alking about, it
doesn't exist, so the loan is a no-go right from the start.

I agree with you. Some folks need that "reality check" that Swingman joked =
about. It's not
all sunshine and happiness in the real world. There is no one-size-fits-all=
financial strategy.=20
Sometimes life puts people in situations - through no fault of their own - =
where the options=20
are extremely limited.

Be safe, y'all.

Larry

On Tuesday, October 31, 2017 at 10:18:37 AM UTC-4, Ed Pawlowski wrote:
> On 10/31/2017 9:22 AM, DerbyDad03 wrote:
>
> >
> > +1 and a lot more.
> >
> > What some folks seem to be missing is that (in most cases) people don't take out a reverse
> > mortgage because they *want* to. It's usually the last option available to them. They are out
> > of funds and don't have enough income for everyday, minimal living expenses.
> >
> > Take out a home equity loan and invest the cash? Where's the income stream that the bank
> > requires to prove that you can make the payments? In the situations we're talking about, it
> > doesn't exist, so the loan is a no-go right from the start.
>
> Not really. I know of a couple of people doing exactly that. They are
> doing well and yes, they do have a good working knowledge of how to work
> with money. Most of us really don't. There are investments that return
> equal or higher than mortgage rates. I'm not licensed to give financial
> advice but you can consult with one for more information.
>
> >
> > I agree with you. Some folks need that "reality check" that Swingman joked about. It's not
> > all sunshine and happiness in the real world. There is no one-size-fits-all financial strategy.
> > Sometimes life puts people in situations - through no fault of their own - where the options
> > are extremely limited.
> >
>
> Sure, Robert had a good example of that. Things happen that we have no
> control over. I was speaking in generalities of the great number of
> people that just did no planning. The ones that used every bit of home
> equity for fancy vacations and at retirement age have nothing but
> inadequate SS to live on. For every comment made here you can find an
> exception but that does not mean something can be done.
>
> Reverse mortgage is usually a last ditch effort for most of us but just
> look at the gullible people being targeted and how. Age 62? You can
> use the money for anything you want. Pay off your mortgage or take a
> vacation.
>
> Have a structured settlement but need cash now? Call J G Wentworth.
> Surely you've seen that. JG will take good care of you too.
>
> There are also people that win many million of dollars from a lottery
> and five years later cannot afford to retire because of poor fiscal
> behavior.

When you talk about home equity loans vs. a reverse mortgage, you seem to keep going
back to "those that can" while I have been continually concentrating on "those that can't."

We're arguing about reverse mortgages from 2 very different perspectives, so there is no sense
in continuing.

However, if you can find me a CD paying 2.5% (net) I'll take it. ;-) Secondary market CD's with
high coupons but a low net yields don't count.

On Monday, October 30, 2017 at 1:00:32 PM UTC-4, Ed Pawlowski wrote:
> On 10/30/2017 12:31 PM, DerbyDad03 wrote:
>=20
>=20
>=20
> >>>>>
> >>>>> In Texas, perhaps other states, you can claim the property tax defe=
rral
> >>>>> exemption at 65.=C2=A0 When you sell you owe back taxes plus 8% int=
erest
> >>>>> IIRC.=C2=A0 Not a bad deal IF your home appreciates in value or if =
you never
> >>>>> sell.
> >>>>
> >>>>
> >>>> Looking at the dates and lateness you can infer it is a tax deadbeat=
,
> >>>> but knowing of the deferment option, it is a pretty good fiscal tool=
.
> >>>> I'd do that here if offered. I have no plans to move so the taxes w=
ould
> >>>> come out of my kid's inheritance when they sell this place.
> >>>>
> >>>> Good for Swingman.
> >>>
> >>> That's not a lot different than a reverse mortgage. I wouldn't do
> >>> either, though.
> >>>
> >>
> >> Reverse mortgage seems to be a last resort for money deal. You can
> >> probably do better with a long term home equity loan and put the cash
> >> into an investment that will offset the interest.
> >>
> >=20
> > Let's not forget the main reason a person would consider a reverse mort=
gage: they need cash
> > to meet their living expenses.
> >=20
> > In the case where a person needs monthly income and is therefore consid=
ering a reverse
> > mortgage, what cash would there be to invest?
> >=20
> > If you are suggesting a large enough home equity loan to meet both thei=
r A) monthly cash needs
> > for the rest of their life plus B) their new monthly loan payment, then=
what investment would you
> > suggest that will both 1) off-set the interest and 2) be secure enough =
that a long term market
> > reversal wouldn't impact their ability to meet requirements A & B?
> >=20
> > It's tougher to lose your home with a reverse mortgage than it is if yo=
u can't make your equity
> > loan payment.
> >=20
>=20
> You can get better rates on home equity than reverse mortgages most of=20
> the time. You take the case and put most in CD and get about 2.5%. Not=
=20
> much interest but if is a partial offset to your interest versus 0% from=
=20
> a reverse mortgage. From the balance you take enough monthly to cover=
=20
> payments and what you need for expenses.
>=20

Who is offering 2.5% on a CD that you actually have access to? Even Jumbo (=
$100K) CD=E2=80=98s with=20
60 month terms are paying less than 2.5%. Why would anyone borrow money at =
a higher rate=20
than the investment rate and then lock it up for 5 years?=20

The only reason to borrow money and then invest it is to get a *higher* ret=
urn than the
interest rate on the loan. (That's why even the very rich have mortgages, b=
ut we shouldn't
Include them in the reverse mortgage vs. home equity loan discussion.)

> If you are more tolerant of risk, you can invest in stocks or a mutual=20
> fund. There has to be a drop coming up,=20

...and when the reversal happens and they have to sell investments to cover=
their expenses=20
*and* loan payments, they have the pleasure of locking in those losses.


> but Ive been getting a healthy return the past couple of years.

Past performance is not indicative of future results. ;-)

>=20
> Of course, if you have the ability to do this you probably planned ahead=
=20
> enough not to be in the position of needing beer money from your house=20
> equity.

But isn't that the point of this discussion? Weren't you comparing reverse =
mortgages vs.=20
a home equity loan? Who takes reverse mortgages? People who need the money =
to=20
meet their living expenses. If a person needs money to meet their living ex=
penses, why=20
would they borrow more than they need and then lose money by investing it j=
ust to get=20
a "partial offset" of the interest rate?

On Friday, August 25, 2017 at 11:42:29 PM UTC-4, -MIKE- wrote:
> On 8/25/17 9:59 PM, [email protected] wrote:
> > On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
> > wrote:
> >
> >> On 8/24/2017 5:29 PM, woodchucker wrote:
> >>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
> >>>> For all you folks in the path of Harvey...
> >>>>
> >>>> I just said a prayer for you. Good luck!
> >>>>
> >>>
> >>> I hope you guys survive unscathed. My BIL and SIL are headed down
> >>> there, her Dad passed away. I'm wondering if they will really
> >>> bury him with the conditions expected.
> >>>
> >>> I hope everyone in the path is spared as much as possible.
> >>>
> >>
> >> Depending on where the burial site is located, they probably will
> >> not be doing any burials until the ground is less saturated.
> >
> > That isn't unusual. In Vermont, there are no burials between
> > Decemberish and Marchish. Blasting graves is cost prohibitive.
> >
>
> Have any evidence for that?
> Most cemeteries use a backhoe to dig them and I haven't met one yet that
> can't dig through frozen dirt in the winter.
>

Just one of many Google hits...

http://articles.latimes.com/1994-05-01/news/mn-52603_1_funeral-director

On Saturday, August 26, 2017 at 6:39:28 PM UTC-4, [email protected] wrote:
> On Sat, 26 Aug 2017 12:36:02 -0500, Leon <lcb11211@swbelldotnet>
> wrote:
>=20
> >On 8/26/2017 12:17 AM, -MIKE- wrote:
> >> On 8/25/17 10:47 PM, DerbyDad03 wrote:
> >>> On Friday, August 25, 2017 at 11:42:29 PM UTC-4, -MIKE- wrote:
> >>>> On 8/25/17 9:59 PM, [email protected] wrote:
> >>>>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
> >>>>> wrote:
> >>>>>
> >>>>>> On 8/24/2017 5:29 PM, woodchucker wrote:
> >>>>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
> >>>>>>>> For all you folks in the path of Harvey...
> >>>>>>>>
> >>>>>>>> I just said a prayer for you. Good luck!
> >>>>>>>>
> >>>>>>>
> >>>>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
> >>>>>>> there, her Dad passed away. I'm wondering if they will really
> >>>>>>> bury him with the conditions expected.
> >>>>>>>
> >>>>>>> I hope everyone in the path is spared as much as possible.
> >>>>>>>
> >>>>>>
> >>>>>> Depending on where the burial site is located, they probably will
> >>>>>> not be doing any burials until the ground is less saturated.
> >>>>>
> >>>>> That isn't unusual.=C2=A0 In Vermont, there are no burials between
> >>>>> Decemberish and Marchish.=C2=A0 Blasting graves is cost prohibitive=
.
> >>>>>
> >>>>
> >>>> Have any evidence for that?
> >>>> Most cemeteries use a backhoe to dig them and I haven't met one yet =
that
> >>>> can't dig through frozen dirt in the winter.
> >>>>
> >>>
> >>> Just one of many Google hits...
> >>>
> >>> http://articles.latimes.com/1994-05-01/news/mn-52603_1_funeral-direct=
or
> >>>
> >>=20
> >> Interesting.=C2=A0 Seems like they just don't want to put the work in.
> >> I grew up on Lake Erie with a 4 foot frost line and it never stopped u=
s=20
> >> from digging footings.
> >>=20
> >>=20
> >
> >Dead people are no longer paying customers.... ;~)
>=20
> If that's true, how do morticians make their living? ;-)

It's a dying business.

On 8/25/2017 4:02 PM, Leon wrote:
> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>> For all you folks in the path of Harvey...
>>
>> I just said a prayer for you. Good luck!
>>
>
> Thank you! Swingman is in Arkansas for the summer. ;~(
>
> Nailshooter, in San Antonio, is concerned and my wife and I are in the
> NE area of Texas. We will have to watch out for the 25+inches of rain
> over the next few days.
>
> Thank you again!

Give it up, Bubba... I am so under water at this point even my reality
check bounced, so broke I can't even afford a trip down memory lane.

https://www.hctax.net/Property/DelStatement?Account=3QtaZOD6Jk+mh9nt8eBjuTpPyN8b1AevWDYPQ5J4vKw=

--
eWoodShop: www.eWoodShop.com
Wood Shop: www.e-WoodShop.net
https://www.google.com/+eWoodShop
https://plus.google.com/+KarlCaillouet/posts
http://www.custommade.com/by/ewoodshop/
https://www.facebook.com/eWoodShop-206166666122228
KarlCaillouet@ (the obvious)

DerbyDad03 <[email protected]> writes:
>On Monday, October 30, 2017 at 1:00:32 PM UTC-4, Ed Pawlowski wrote:

>> You can get better rates on home equity than reverse mortgages most of=20
>> the time. You take the case and put most in CD and get about 2.5%. Not=
>=20
>> much interest but if is a partial offset to your interest versus 0% from=
>=20
>> a reverse mortgage. From the balance you take enough monthly to cover=
>=20
>> payments and what you need for expenses.
>>=20
>
>Who is offering 2.5% on a CD that you actually have access to? Even Jumbo (=
>$100K) CD=E2=80=98s with=20
>60 month terms are paying less than 2.5%. Why would anyone borrow money at =
>a higher rate=20
>than the investment rate and then lock it up for 5 years?=20

Makes more sense to buy into a no-load muni fund, such as:

https://www.blackrock.com/investing/products/240261/blackrock-muniholdings-insured-fund-inc-usd-fund

Which has a 5.68% distribution rate, tax free.

On Sun, 29 Oct 2017 17:26:56 -0400, G Ross <[email protected]> wrote:

>Swingman wrote:
>> On 8/25/2017 4:02 PM, Leon wrote:
>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>> For all you folks in the path of Harvey...
>>>>
>>>> I just said a prayer for you. Good luck!
>>>>
>>>
>>> Thank you! Swingman is in Arkansas for the summer. ;~(
>>>
>>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>>> NE area of Texas. We will have to watch out for the 25+inches of rain
>>> over the next few days.
>>>
>>> Thank you again!
>>
>> Give it up, Bubba... I am so under water at this point even my reality
>> check bounced, so broke I can't even afford a trip down memory lane.
>>
>
>My credit is so bad I have to have a co-signer to pay cash!

At least you can pay cash, a lot of places here take plastic only even
then preferring your apple card system but yeah, I know you're tongue
in cheek. :)

On Sat, 26 Aug 2017 16:13:40 -0700 (PDT), DerbyDad03
<[email protected]> wrote:

>On Saturday, August 26, 2017 at 6:39:28 PM UTC-4, [email protected] wrote:
>> On Sat, 26 Aug 2017 12:36:02 -0500, Leon <lcb11211@swbelldotnet>
>> wrote:
>>
>> >On 8/26/2017 12:17 AM, -MIKE- wrote:
>> >> On 8/25/17 10:47 PM, DerbyDad03 wrote:
>> >>> On Friday, August 25, 2017 at 11:42:29 PM UTC-4, -MIKE- wrote:
>> >>>> On 8/25/17 9:59 PM, [email protected] wrote:
>> >>>>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>> >>>>> wrote:
>> >>>>>
>> >>>>>> On 8/24/2017 5:29 PM, woodchucker wrote:
>> >>>>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>> >>>>>>>> For all you folks in the path of Harvey...
>> >>>>>>>>
>> >>>>>>>> I just said a prayer for you. Good luck!
>> >>>>>>>>
>> >>>>>>>
>> >>>>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>> >>>>>>> there, her Dad passed away. I'm wondering if they will really
>> >>>>>>> bury him with the conditions expected.
>> >>>>>>>
>> >>>>>>> I hope everyone in the path is spared as much as possible.
>> >>>>>>>
>> >>>>>>
>> >>>>>> Depending on where the burial site is located, they probably will
>> >>>>>> not be doing any burials until the ground is less saturated.
>> >>>>>
>> >>>>> That isn't unusual.  In Vermont, there are no burials between
>> >>>>> Decemberish and Marchish.  Blasting graves is cost prohibitive.
>> >>>>>
>> >>>>
>> >>>> Have any evidence for that?
>> >>>> Most cemeteries use a backhoe to dig them and I haven't met one yet that
>> >>>> can't dig through frozen dirt in the winter.
>> >>>>
>> >>>
>> >>> Just one of many Google hits...
>> >>>
>> >>> http://articles.latimes.com/1994-05-01/news/mn-52603_1_funeral-director
>> >>>
>> >>
>> >> Interesting.  Seems like they just don't want to put the work in.
>> >> I grew up on Lake Erie with a 4 foot frost line and it never stopped us
>> >> from digging footings.
>> >>
>> >>
>> >
>> >Dead people are no longer paying customers.... ;~)
>>
>> If that's true, how do morticians make their living? ;-)
>
>It's a dying business.

They're starving to death?

On Fri, 25 Aug 2017 22:42:27 -0500, -MIKE- <[email protected]>
wrote:

>On 8/25/17 9:59 PM, [email protected] wrote:
>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>> wrote:
>>
>>> On 8/24/2017 5:29 PM, woodchucker wrote:
>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>>>> For all you folks in the path of Harvey...
>>>>>
>>>>> I just said a prayer for you. Good luck!
>>>>>
>>>>
>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>>>> there, her Dad passed away. I'm wondering if they will really
>>>> bury him with the conditions expected.
>>>>
>>>> I hope everyone in the path is spared as much as possible.
>>>>
>>>
>>> Depending on where the burial site is located, they probably will
>>> not be doing any burials until the ground is less saturated.
>>
>> That isn't unusual. In Vermont, there are no burials between
>> Decemberish and Marchish. Blasting graves is cost prohibitive.
>>
>
>Have any evidence for that?

A friend was a grave digger.

>Most cemeteries use a backhoe to dig them and I haven't met one yet that
>can't dig through frozen dirt in the winter.

On 10/29/2017 5:59 PM, Leon wrote:
> On 10/29/2017 4:13 PM, DerbyDad03 wrote:
>> On Sunday, October 29, 2017 at 3:56:00 PM UTC-4, Leon wrote:
>>> On 10/28/2017 3:11 PM, -MIKE- wrote:
>>>> On 10/28/17 2:44 PM, Bill wrote:
>>>>> Swingman wrote:
>>>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>>>> For all you folks in the path of Harvey...
>>>>>>>>
>>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>>
>>>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>>>
>>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are
>>>>>>> in the
>>>>>>> NE area of Texas.  We will have to watch out for the 25+inches of
>>>>>>> rain
>>>>>>> over the next few days.
>>>>>>>
>>>>>>> Thank you again!
>>>>>> Give it up, Bubba... I am so under water at this point even my
>>>>>> reality
>>>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>>>
>>>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>>>> some "speed bumps".   I sincerely hope that things go your way (you
>>>>> have too good of an attitude for that not to happen)!
>>>>>
>>>>> Bill
>>>>>
>>>>>
>>>>
>>>> I'm pretty sure that was an imposter and not the real Swingman.
>>>>
>>>>
>>> No, I think that was him.
>>
>> The tax bill looks legit although I'm not sure how you don't pay any
>> property taxes for close
>> to 10 years. Don't they foreclose after a while?
>>
>
> In Texas, perhaps other states, you can claim the property tax deferral
> exemption at 65.  When you sell you owe back taxes plus 8% interest
> IIRC.  Not a bad deal IF your home appreciates in value or if you never
> sell.


Looking at the dates and lateness you can infer it is a tax deadbeat,
but knowing of the deferment option, it is a pretty good fiscal tool.
I'd do that here if offered. I have no plans to move so the taxes would
come out of my kid's inheritance when they sell this place.

Good for Swingman.

On 10/28/2017 3:11 PM, -MIKE- wrote:
> On 10/28/17 2:44 PM, Bill wrote:
>> Swingman wrote:
>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>> For all you folks in the path of Harvey...
>>>>>
>>>>> I just said a prayer for you. Good luck!
>>>>>
>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>
>>>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>>>> NE area of Texas.  We will have to watch out for the 25+inches of rain
>>>> over the next few days.
>>>>
>>>> Thank you again!
>>> Give it up, Bubba... I am so under water at this point even my reality
>>> check bounced, so broke I can't even afford a trip down memory lane.
>>
>> I'm glad to hear you are in good health!  I'm sorry you encountered
>> some "speed bumps".   I sincerely hope that things go your way (you
>> have too good of an attitude for that not to happen)!
>>
>> Bill
>>
>>
>
> I'm pretty sure that was an imposter and not the real Swingman.
>
>
No, I think that was him.

On 10/30/2017 12:31 PM, DerbyDad03 wrote:



>>>>>
>>>>> In Texas, perhaps other states, you can claim the property tax deferral
>>>>> exemption at 65.  When you sell you owe back taxes plus 8% interest
>>>>> IIRC.  Not a bad deal IF your home appreciates in value or if you never
>>>>> sell.
>>>>
>>>>
>>>> Looking at the dates and lateness you can infer it is a tax deadbeat,
>>>> but knowing of the deferment option, it is a pretty good fiscal tool.
>>>> I'd do that here if offered. I have no plans to move so the taxes would
>>>> come out of my kid's inheritance when they sell this place.
>>>>
>>>> Good for Swingman.
>>>
>>> That's not a lot different than a reverse mortgage. I wouldn't do
>>> either, though.
>>>
>>
>> Reverse mortgage seems to be a last resort for money deal. You can
>> probably do better with a long term home equity loan and put the cash
>> into an investment that will offset the interest.
>>
>
> Let's not forget the main reason a person would consider a reverse mortgage: they need cash
> to meet their living expenses.
>
> In the case where a person needs monthly income and is therefore considering a reverse
> mortgage, what cash would there be to invest?
>
> If you are suggesting a large enough home equity loan to meet both their A) monthly cash needs
> for the rest of their life plus B) their new monthly loan payment, then what investment would you
> suggest that will both 1) off-set the interest and 2) be secure enough that a long term market
> reversal wouldn't impact their ability to meet requirements A & B?
>
> It's tougher to lose your home with a reverse mortgage than it is if you can't make your equity
> loan payment.
>

You can get better rates on home equity than reverse mortgages most of
the time. You take the case and put most in CD and get about 2.5%. Not
much interest but if is a partial offset to your interest versus 0% from
a reverse mortgage. From the balance you take enough monthly to cover
payments and what you need for expenses.

If you are more tolerant of risk, you can invest in stocks or a mutual
fund. There has to be a drop coming up, but Ive been getting a healthy
return the past couple of years.

Of course, if you have the ability to do this you probably planned ahead
enough not to be in the position of needing beer money from your house
equity.

Swingman wrote:
> On 8/25/2017 4:02 PM, Leon wrote:
>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>> For all you folks in the path of Harvey...
>>>
>>> I just said a prayer for you. Good luck!
>>>
>>
>> Thank you! Swingman is in Arkansas for the summer. ;~(
>>
>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>> NE area of Texas. We will have to watch out for the 25+inches of rain
>> over the next few days.
>>
>> Thank you again!
>
> Give it up, Bubba... I am so under water at this point even my reality
> check bounced, so broke I can't even afford a trip down memory lane.
>

My credit is so bad I have to have a co-signer to pay cash!


--
G Ross

On 10/29/2017 4:13 PM, DerbyDad03 wrote:
> On Sunday, October 29, 2017 at 3:56:00 PM UTC-4, Leon wrote:
>> On 10/28/2017 3:11 PM, -MIKE- wrote:
>>> On 10/28/17 2:44 PM, Bill wrote:
>>>> Swingman wrote:
>>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>>> For all you folks in the path of Harvey...
>>>>>>>
>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>
>>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>>
>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>>>>>> NE area of Texas.  We will have to watch out for the 25+inches of rain
>>>>>> over the next few days.
>>>>>>
>>>>>> Thank you again!
>>>>> Give it up, Bubba... I am so under water at this point even my reality
>>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>>
>>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>>> some "speed bumps".   I sincerely hope that things go your way (you
>>>> have too good of an attitude for that not to happen)!
>>>>
>>>> Bill
>>>>
>>>>
>>>
>>> I'm pretty sure that was an imposter and not the real Swingman.
>>>
>>>
>> No, I think that was him.
>
> The tax bill looks legit although I'm not sure how you don't pay any property taxes for close
> to 10 years. Don't they foreclose after a while?
>

In Texas, perhaps other states, you can claim the property tax deferral
exemption at 65. When you sell you owe back taxes plus 8% interest
IIRC. Not a bad deal IF your home appreciates in value or if you never
sell.

On 10/29/2017 4:58 PM, [email protected] wrote:
> On Sun, 29 Oct 2017 14:55:53 -0500, Leon <lcb11211@swbelldotnet>
> wrote:
>
>> On 10/28/2017 3:11 PM, -MIKE- wrote:
>>> On 10/28/17 2:44 PM, Bill wrote:
>>>> Swingman wrote:
>>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>>> For all you folks in the path of Harvey...
>>>>>>>
>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>
>>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>>
>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>>>>>> NE area of Texas.  We will have to watch out for the 25+inches of rain
>>>>>> over the next few days.
>>>>>>
>>>>>> Thank you again!
>>>>> Give it up, Bubba... I am so under water at this point even my reality
>>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>>
>>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>>> some "speed bumps".   I sincerely hope that things go your way (you
>>>> have too good of an attitude for that not to happen)!
>>>>
>>>> Bill
>>>>
>>>>
>>>
>>> I'm pretty sure that was an imposter and not the real Swingman.
>>>
>>>
>> No, I think that was him.
>
> Swingman is in the Netherlands?
>
> http://whatismyipaddress.com/ip/194.109.206.211
>

Nope! Perhaps a proxy goes there first.

On 10/31/2017 9:22 AM, DerbyDad03 wrote:

>
> +1 and a lot more.
>
> What some folks seem to be missing is that (in most cases) people don't take out a reverse
> mortgage because they *want* to. It's usually the last option available to them. They are out
> of funds and don't have enough income for everyday, minimal living expenses.
>
> Take out a home equity loan and invest the cash? Where's the income stream that the bank
> requires to prove that you can make the payments? In the situations we're talking about, it
> doesn't exist, so the loan is a no-go right from the start.

Not really. I know of a couple of people doing exactly that. They are
doing well and yes, they do have a good working knowledge of how to work
with money. Most of us really don't. There are investments that return
equal or higher than mortgage rates. I'm not licensed to give financial
advice but you can consult with one for more information.

>
> I agree with you. Some folks need that "reality check" that Swingman joked about. It's not
> all sunshine and happiness in the real world. There is no one-size-fits-all financial strategy.
> Sometimes life puts people in situations - through no fault of their own - where the options
> are extremely limited.
>

Sure, Robert had a good example of that. Things happen that we have no
control over. I was speaking in generalities of the great number of
people that just did no planning. The ones that used every bit of home
equity for fancy vacations and at retirement age have nothing but
inadequate SS to live on. For every comment made here you can find an
exception but that does not mean something can be done.

Reverse mortgage is usually a last ditch effort for most of us but just
look at the gullible people being targeted and how. Age 62? You can
use the money for anything you want. Pay off your mortgage or take a
vacation.

Have a structured settlement but need cash now? Call J G Wentworth.
Surely you've seen that. JG will take good care of you too.

There are also people that win many million of dollars from a lottery
and five years later cannot afford to retire because of poor fiscal
behavior.

On Monday, October 30, 2017 at 10:42:23 AM UTC-4, Ed Pawlowski wrote:
> On 10/29/2017 7:56 PM, [email protected] wrote:
> > On Sun, 29 Oct 2017 18:53:24 -0400, Ed Pawlowski <[email protected]> wrote:
> >=20
> >> On 10/29/2017 5:59 PM, Leon wrote:
> >>> On 10/29/2017 4:13 PM, DerbyDad03 wrote:
> >>>> On Sunday, October 29, 2017 at 3:56:00 PM UTC-4, Leon wrote:
> >>>>> On 10/28/2017 3:11 PM, -MIKE- wrote:
> >>>>>> On 10/28/17 2:44 PM, Bill wrote:
> >>>>>>> Swingman wrote:
> >>>>>>>> On 8/25/2017 4:02 PM, Leon wrote:
> >>>>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
> >>>>>>>>>> For all you folks in the path of Harvey...
> >>>>>>>>>>
> >>>>>>>>>> I just said a prayer for you. Good luck!
> >>>>>>>>>>
> >>>>>>>>> Thank you!=C2=A0 Swingman is in Arkansas for the summer.=C2=A0 =
;~(
> >>>>>>>>>
> >>>>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are
> >>>>>>>>> in the
> >>>>>>>>> NE area of Texas.=C2=A0 We will have to watch out for the 25+in=
ches of
> >>>>>>>>> rain
> >>>>>>>>> over the next few days.
> >>>>>>>>>
> >>>>>>>>> Thank you again!
> >>>>>>>> Give it up, Bubba... I am so under water at this point even my
> >>>>>>>> reality
> >>>>>>>> check bounced, so broke I can't even afford a trip down memory l=
ane.
> >>>>>>>
> >>>>>>> I'm glad to hear you are in good health!=C2=A0 I'm sorry you enco=
untered
> >>>>>>> some "speed bumps".=C2=A0=C2=A0 I sincerely hope that things go y=
our way (you
> >>>>>>> have too good of an attitude for that not to happen)!
> >>>>>>>
> >>>>>>> Bill
> >>>>>>>
> >>>>>>>
> >>>>>>
> >>>>>> I'm pretty sure that was an imposter and not the real Swingman.
> >>>>>>
> >>>>>>
> >>>>> No, I think that was him.
> >>>>
> >>>> The tax bill looks legit although I'm not sure how you don't pay any
> >>>> property taxes for close
> >>>> to 10 years. Don't they foreclose after a while?
> >>>>
> >>>
> >>> In Texas, perhaps other states, you can claim the property tax deferr=
al
> >>> exemption at 65.=C2=A0 When you sell you owe back taxes plus 8% inter=
est
> >>> IIRC.=C2=A0 Not a bad deal IF your home appreciates in value or if yo=
u never
> >>> sell.
> >>
> >>
> >> Looking at the dates and lateness you can infer it is a tax deadbeat,
> >> but knowing of the deferment option, it is a pretty good fiscal tool.
> >> I'd do that here if offered. I have no plans to move so the taxes wou=
ld
> >> come out of my kid's inheritance when they sell this place.
> >>
> >> Good for Swingman.
> >=20
> > That's not a lot different than a reverse mortgage. I wouldn't do
> > either, though.
> >=20
>=20
> Reverse mortgage seems to be a last resort for money deal. You can=20
> probably do better with a long term home equity loan and put the cash=20
> into an investment that will offset the interest.
>=20

Let's not forget the main reason a person would consider a reverse mortgage=
: they need cash
to meet their living expenses.

In the case where a person needs monthly income and is therefore considerin=
g a reverse=20
mortgage, what cash would there be to invest?

If you are suggesting a large enough home equity loan to meet both their A)=
monthly cash needs=20
for the rest of their life plus B) their new monthly loan payment, then wha=
t investment would you=20
suggest that will both 1) off-set the interest and 2) be secure enough that=
a long term market=20
reversal wouldn't impact their ability to meet requirements A & B?

It's tougher to lose your home with a reverse mortgage than it is if you ca=
n't make your equity=20
loan payment.=20

On Monday, October 30, 2017 at 12:00:32 PM UTC-5, Ed Pawlowski wrote:
=20
> Of course, if you have the ability to do this you probably planned ahead=
=20
> enough not to be in the position of needing beer money from your house=20
> equity.

I have got to pass this thread on to one of my neighbors. At 87 years old,=
he is broke. What a dumbass, right? No money left from his retirement acc=
ount that he put money into for 30 years, and no other fine investments. A=
ll eaten up in a 12 year battle with his wife's Alzheimer's treatments. Sh=
e finally died, and he is penniless. =20

If he only had you guys to guide him. He could have ditched her somewhere =
along the line, (not his style) or let her suffer so he could invest or han=
g onto his beer money.

As it was his stupid ass sold everything he owned and he now lives in a hou=
se that is just a bit above falling down. He doesn't really know how stupid=
he is... maybe I can get one of you to contact him and share this brillian=
t illumination on how the world works in your tiny sphere of experience.

As it is, the reverse mortgage was his only hope. He can't qualify for a l=
oan since he cannot demonstrate the ability to pay it back (good jobs are s=
carce at his age)and he has no reserves. Maybe he should give the money he=
got from the reverse mortgage back... I wonder.

As it is, he will get $XXX a month which will allow him to live on his rema=
ining Social Security and continue with his heart medicines. The way his i=
s structured, he will get 15 years of payments, and if he makes it that far=
he will be drawn out. If he expires earlier, then the estate gets a consid=
eration based on how much was paid out and much time remained.

What an idiot, eh? If only he had queried here first.

I wonder when I read the profound bitterness and closed minded, self righte=
ous thinking here what in the world happened to this group. Can your world=
s be so small as to only think of the world as only what exists in your eye=
sight? For a group that claims such worldly, expansive human experiences i=
t is stunning how tiny minded so many are.

On Fri, 25 Aug 2017 20:06:44 -0700 (PDT), DerbyDad03
<[email protected]> wrote:

>On Friday, August 25, 2017 at 10:59:43 PM UTC-4, [email protected] wrote:
>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>> wrote:
>>
>> >On 8/24/2017 5:29 PM, woodchucker wrote:
>> >> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>> >>> For all you folks in the path of Harvey...
>> >>>
>> >>> I just said a prayer for you. Good luck!
>> >>>
>> >>
>> >> I hope you guys survive unscathed.
>> >> My BIL and SIL are headed down there, her Dad passed away. I'm wondering
>> >> if they will really bury him with the conditions expected.
>> >>
>> >> I hope everyone in the path is spared as much as possible.
>> >>
>> >
>> >Depending on where the burial site is located, they probably will not be
>> >doing any burials until the ground is less saturated.
>>
>> That isn't unusual. In Vermont, there are no burials between
>> Decemberish and Marchish. Blasting graves is cost prohibitive.
>
>Cremation warms the heart...among other things.

Just think about all of the CO2 released!

[email protected] wrote:

> >> That isn't unusual. In Vermont, there are no burials between
> >> Decemberish and Marchish. Blasting graves is cost prohibitive.
> >
> >Cremation warms the heart...among other things.
>
> Just think about all of the CO2 released!

Perhaps the 3.5' 'Green Burails' will help negate the CO2. :-/
http://www.mychamplainvalley.com/news/35-ft-under-vt-bill-clears-the-way-for-green-burials/639960044

(the bill passed in July)
http://www.mynbc5.com/article/new-vermont-law-helps-those-asking-for-a-green-burial/10371045

Wouldn't a wet November shallow burial result in a spring-thaw meal for
bears and other critters, due to frozen ground heaving?

DerbyDad03 <[email protected]> wrote:

> For all you folks in the path of Harvey...
>
> I just said a prayer for you. Good luck!

+1

TWC quizzed a spokesman at the National Hurricane Center about an
hour ago, said that rainfall totals of 30-35 inches by the time
Harvey finally exits TX, next Wednesday.

http://www.ssd.noaa.gov/PS/TROP/floaters/09L/imagery/avn-animated.gif

On Saturday, August 26, 2017 at 1:17:05 AM UTC-4, -MIKE- wrote:
> On 8/25/17 10:47 PM, DerbyDad03 wrote:
> > On Friday, August 25, 2017 at 11:42:29 PM UTC-4, -MIKE- wrote:
> >> On 8/25/17 9:59 PM, [email protected] wrote:
> >>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
> >>> wrote:
> >>>
> >>>> On 8/24/2017 5:29 PM, woodchucker wrote:
> >>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
> >>>>>> For all you folks in the path of Harvey...
> >>>>>>
> >>>>>> I just said a prayer for you. Good luck!
> >>>>>>
> >>>>>
> >>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
> >>>>> there, her Dad passed away. I'm wondering if they will really
> >>>>> bury him with the conditions expected.
> >>>>>
> >>>>> I hope everyone in the path is spared as much as possible.
> >>>>>
> >>>>
> >>>> Depending on where the burial site is located, they probably will
> >>>> not be doing any burials until the ground is less saturated.
> >>>
> >>> That isn't unusual. In Vermont, there are no burials between
> >>> Decemberish and Marchish. Blasting graves is cost prohibitive.
> >>>
> >>
> >> Have any evidence for that?
> >> Most cemeteries use a backhoe to dig them and I haven't met one yet that
> >> can't dig through frozen dirt in the winter.
> >>
> >
> > Just one of many Google hits...
> >
> > http://articles.latimes.com/1994-05-01/news/mn-52603_1_funeral-director
> >
>
> Interesting. Seems like they just don't want to put the work in.
> I grew up on Lake Erie with a 4 foot frost line and it never stopped us
> from digging footings.
>
>

I don't know that you could attribute an ~80% delayed burial rate across 4 states to laziness.
Are funeral directors born with a lazy gene? ;-)

Without more details it's hard to know. BTW that article is 20 years old, maybe things
have changed. There are other articles out there, maybe they contain more detail.

On 10/29/2017 7:56 PM, [email protected] wrote:
> On Sun, 29 Oct 2017 18:53:24 -0400, Ed Pawlowski <[email protected]> wrote:
>
>> On 10/29/2017 5:59 PM, Leon wrote:
>>> On 10/29/2017 4:13 PM, DerbyDad03 wrote:
>>>> On Sunday, October 29, 2017 at 3:56:00 PM UTC-4, Leon wrote:
>>>>> On 10/28/2017 3:11 PM, -MIKE- wrote:
>>>>>> On 10/28/17 2:44 PM, Bill wrote:
>>>>>>> Swingman wrote:
>>>>>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>>>>>> For all you folks in the path of Harvey...
>>>>>>>>>>
>>>>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>>>>
>>>>>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>>>>>
>>>>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are
>>>>>>>>> in the
>>>>>>>>> NE area of Texas.  We will have to watch out for the 25+inches of
>>>>>>>>> rain
>>>>>>>>> over the next few days.
>>>>>>>>>
>>>>>>>>> Thank you again!
>>>>>>>> Give it up, Bubba... I am so under water at this point even my
>>>>>>>> reality
>>>>>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>>>>>
>>>>>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>>>>>> some "speed bumps".   I sincerely hope that things go your way (you
>>>>>>> have too good of an attitude for that not to happen)!
>>>>>>>
>>>>>>> Bill
>>>>>>>
>>>>>>>
>>>>>>
>>>>>> I'm pretty sure that was an imposter and not the real Swingman.
>>>>>>
>>>>>>
>>>>> No, I think that was him.
>>>>
>>>> The tax bill looks legit although I'm not sure how you don't pay any
>>>> property taxes for close
>>>> to 10 years. Don't they foreclose after a while?
>>>>
>>>
>>> In Texas, perhaps other states, you can claim the property tax deferral
>>> exemption at 65.  When you sell you owe back taxes plus 8% interest
>>> IIRC.  Not a bad deal IF your home appreciates in value or if you never
>>> sell.
>>
>>
>> Looking at the dates and lateness you can infer it is a tax deadbeat,
>> but knowing of the deferment option, it is a pretty good fiscal tool.
>> I'd do that here if offered. I have no plans to move so the taxes would
>> come out of my kid's inheritance when they sell this place.
>>
>> Good for Swingman.
>
> That's not a lot different than a reverse mortgage. I wouldn't do
> either, though.
>

Reverse mortgage seems to be a last resort for money deal. You can
probably do better with a long term home equity loan and put the cash
into an investment that will offset the interest.

What I find sad is the number of people at retirement age that still
have big mortgages, often because they used home equity as a piggy bank.
Getting the mortgage out of the way was #1 priority, #2 was to never
pay credit card interest.

On Sun, 29 Oct 2017 17:01:25 -0500, Leon <lcb11211@swbelldotnet>
wrote:

>On 10/29/2017 4:58 PM, [email protected] wrote:
>> On Sun, 29 Oct 2017 14:55:53 -0500, Leon <lcb11211@swbelldotnet>
>> wrote:
>>
>>> On 10/28/2017 3:11 PM, -MIKE- wrote:
>>>> On 10/28/17 2:44 PM, Bill wrote:
>>>>> Swingman wrote:
>>>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>>>> For all you folks in the path of Harvey...
>>>>>>>>
>>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>>
>>>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>>>
>>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>>>>>>> NE area of Texas.  We will have to watch out for the 25+inches of rain
>>>>>>> over the next few days.
>>>>>>>
>>>>>>> Thank you again!
>>>>>> Give it up, Bubba... I am so under water at this point even my reality
>>>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>>>
>>>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>>>> some "speed bumps".   I sincerely hope that things go your way (you
>>>>> have too good of an attitude for that not to happen)!
>>>>>
>>>>> Bill
>>>>>
>>>>>
>>>>
>>>> I'm pretty sure that was an imposter and not the real Swingman.
>>>>
>>>>
>>> No, I think that was him.
>>
>> Swingman is in the Netherlands?
>>
>> http://whatismyipaddress.com/ip/194.109.206.211
>>
>
>Nope! Perhaps a proxy goes there first.

Yeah, Dizum is a good cloak.

On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
wrote:

>On 8/24/2017 5:29 PM, woodchucker wrote:
>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>> For all you folks in the path of Harvey...
>>>
>>> I just said a prayer for you. Good luck!
>>>
>>
>> I hope you guys survive unscathed.
>> My BIL and SIL are headed down there, her Dad passed away. I'm wondering
>> if they will really bury him with the conditions expected.
>>
>> I hope everyone in the path is spared as much as possible.
>>
>
>Depending on where the burial site is located, they probably will not be
>doing any burials until the ground is less saturated.

That isn't unusual. In Vermont, there are no burials between
Decemberish and Marchish. Blasting graves is cost prohibitive.

On Sun, 29 Oct 2017 14:55:53 -0500, Leon <lcb11211@swbelldotnet>
wrote:

>On 10/28/2017 3:11 PM, -MIKE- wrote:
>> On 10/28/17 2:44 PM, Bill wrote:
>>> Swingman wrote:
>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>> For all you folks in the path of Harvey...
>>>>>>
>>>>>> I just said a prayer for you. Good luck!
>>>>>>
>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>
>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>>>>> NE area of Texas.  We will have to watch out for the 25+inches of rain
>>>>> over the next few days.
>>>>>
>>>>> Thank you again!
>>>> Give it up, Bubba... I am so under water at this point even my reality
>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>
>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>> some "speed bumps".   I sincerely hope that things go your way (you
>>> have too good of an attitude for that not to happen)!
>>>
>>> Bill
>>>
>>>
>>
>> I'm pretty sure that was an imposter and not the real Swingman.
>>
>>
>No, I think that was him.

Swingman is in the Netherlands?

http://whatismyipaddress.com/ip/194.109.206.211

On 8/24/2017 5:29 PM, woodchucker wrote:
> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>> For all you folks in the path of Harvey...
>>
>> I just said a prayer for you. Good luck!
>>
>
> I hope you guys survive unscathed.
> My BIL and SIL are headed down there, her Dad passed away. I'm wondering
> if they will really bury him with the conditions expected.
>
> I hope everyone in the path is spared as much as possible.
>

Depending on where the burial site is located, they probably will not be
doing any burials until the ground is less saturated.

On 8/24/2017 2:51 PM, DerbyDad03 wrote:
> For all you folks in the path of Harvey...
>
> I just said a prayer for you. Good luck!
>


Thank you! Swingman is in Arkansas for the summer. ;~(

Nailshooter, in San Antonio, is concerned and my wife and I are in the
NE area of Texas. We will have to watch out for the 25+inches of rain
over the next few days.

Thank you again!

On Sat, 26 Aug 2017 12:36:02 -0500, Leon <lcb11211@swbelldotnet>
wrote:

>On 8/26/2017 12:17 AM, -MIKE- wrote:
>> On 8/25/17 10:47 PM, DerbyDad03 wrote:
>>> On Friday, August 25, 2017 at 11:42:29 PM UTC-4, -MIKE- wrote:
>>>> On 8/25/17 9:59 PM, [email protected] wrote:
>>>>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>>>>> wrote:
>>>>>
>>>>>> On 8/24/2017 5:29 PM, woodchucker wrote:
>>>>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>>>>>>> For all you folks in the path of Harvey...
>>>>>>>>
>>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>>
>>>>>>>
>>>>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>>>>>>> there, her Dad passed away. I'm wondering if they will really
>>>>>>> bury him with the conditions expected.
>>>>>>>
>>>>>>> I hope everyone in the path is spared as much as possible.
>>>>>>>
>>>>>>
>>>>>> Depending on where the burial site is located, they probably will
>>>>>> not be doing any burials until the ground is less saturated.
>>>>>
>>>>> That isn't unusual.  In Vermont, there are no burials between
>>>>> Decemberish and Marchish.  Blasting graves is cost prohibitive.
>>>>>
>>>>
>>>> Have any evidence for that?
>>>> Most cemeteries use a backhoe to dig them and I haven't met one yet that
>>>> can't dig through frozen dirt in the winter.
>>>>
>>>
>>> Just one of many Google hits...
>>>
>>> http://articles.latimes.com/1994-05-01/news/mn-52603_1_funeral-director
>>>
>>
>> Interesting.  Seems like they just don't want to put the work in.
>> I grew up on Lake Erie with a 4 foot frost line and it never stopped us
>> from digging footings.
>>
>>
>
>Dead people are no longer paying customers.... ;~)

If that's true, how do morticians make their living? ;-)

On Sat, 26 Aug 2017 00:17:00 -0500, -MIKE- <[email protected]>
wrote:

>On 8/25/17 10:47 PM, DerbyDad03 wrote:
>> On Friday, August 25, 2017 at 11:42:29 PM UTC-4, -MIKE- wrote:
>>> On 8/25/17 9:59 PM, [email protected] wrote:
>>>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>>>> wrote:
>>>>
>>>>> On 8/24/2017 5:29 PM, woodchucker wrote:
>>>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>>>>>> For all you folks in the path of Harvey...
>>>>>>>
>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>
>>>>>>
>>>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>>>>>> there, her Dad passed away. I'm wondering if they will really
>>>>>> bury him with the conditions expected.
>>>>>>
>>>>>> I hope everyone in the path is spared as much as possible.
>>>>>>
>>>>>
>>>>> Depending on where the burial site is located, they probably will
>>>>> not be doing any burials until the ground is less saturated.
>>>>
>>>> That isn't unusual. In Vermont, there are no burials between
>>>> Decemberish and Marchish. Blasting graves is cost prohibitive.
>>>>
>>>
>>> Have any evidence for that?
>>> Most cemeteries use a backhoe to dig them and I haven't met one yet that
>>> can't dig through frozen dirt in the winter.
>>>
>>
>> Just one of many Google hits...
>>
>> http://articles.latimes.com/1994-05-01/news/mn-52603_1_funeral-director
>>
>
>Interesting. Seems like they just don't want to put the work in.
>I grew up on Lake Erie with a 4 foot frost line and it never stopped us
>from digging footings.

You don't have 10' lots, either.

On 8/25/17 9:59 PM, [email protected] wrote:
> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
> wrote:
>
>> On 8/24/2017 5:29 PM, woodchucker wrote:
>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>>> For all you folks in the path of Harvey...
>>>>
>>>> I just said a prayer for you. Good luck!
>>>>
>>>
>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>>> there, her Dad passed away. I'm wondering if they will really
>>> bury him with the conditions expected.
>>>
>>> I hope everyone in the path is spared as much as possible.
>>>
>>
>> Depending on where the burial site is located, they probably will
>> not be doing any burials until the ground is less saturated.
>
> That isn't unusual. In Vermont, there are no burials between
> Decemberish and Marchish. Blasting graves is cost prohibitive.
>

Have any evidence for that?
Most cemeteries use a backhoe to dig them and I haven't met one yet that
can't dig through frozen dirt in the winter.


--

-MIKE-

"Playing is not something I do at night, it's my function in life"
--Elvin Jones (1927-2004)
--
www.mikedrums.com

On 8/25/17 10:47 PM, DerbyDad03 wrote:
> On Friday, August 25, 2017 at 11:42:29 PM UTC-4, -MIKE- wrote:
>> On 8/25/17 9:59 PM, [email protected] wrote:
>>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>>> wrote:
>>>
>>>> On 8/24/2017 5:29 PM, woodchucker wrote:
>>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>>>>> For all you folks in the path of Harvey...
>>>>>>
>>>>>> I just said a prayer for you. Good luck!
>>>>>>
>>>>>
>>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>>>>> there, her Dad passed away. I'm wondering if they will really
>>>>> bury him with the conditions expected.
>>>>>
>>>>> I hope everyone in the path is spared as much as possible.
>>>>>
>>>>
>>>> Depending on where the burial site is located, they probably will
>>>> not be doing any burials until the ground is less saturated.
>>>
>>> That isn't unusual. In Vermont, there are no burials between
>>> Decemberish and Marchish. Blasting graves is cost prohibitive.
>>>
>>
>> Have any evidence for that?
>> Most cemeteries use a backhoe to dig them and I haven't met one yet that
>> can't dig through frozen dirt in the winter.
>>
>
> Just one of many Google hits...
>
> http://articles.latimes.com/1994-05-01/news/mn-52603_1_funeral-director
>

Interesting. Seems like they just don't want to put the work in.
I grew up on Lake Erie with a 4 foot frost line and it never stopped us
from digging footings.


--

-MIKE-

"Playing is not something I do at night, it's my function in life"
--Elvin Jones (1927-2004)
--
www.mikedrums.com

On 8/26/17 8:49 AM, [email protected] wrote:
> On Fri, 25 Aug 2017 22:42:27 -0500, -MIKE- <[email protected]>
> wrote:
>
>> On 8/25/17 9:59 PM, [email protected] wrote:
>>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>>> wrote:
>>>
>>>> On 8/24/2017 5:29 PM, woodchucker wrote:
>>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>>>>> For all you folks in the path of Harvey...
>>>>>>
>>>>>> I just said a prayer for you. Good luck!
>>>>>>
>>>>>
>>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>>>>> there, her Dad passed away. I'm wondering if they will really
>>>>> bury him with the conditions expected.
>>>>>
>>>>> I hope everyone in the path is spared as much as possible.
>>>>>
>>>>
>>>> Depending on where the burial site is located, they probably will
>>>> not be doing any burials until the ground is less saturated.
>>>
>>> That isn't unusual. In Vermont, there are no burials between
>>> Decemberish and Marchish. Blasting graves is cost prohibitive.
>>>
>>
>> Have any evidence for that?
>
> A friend was a grave digger.
>

I bet he had some good jokes.
Gotta keep a good sense of humor in that line of work.


--

-MIKE-

"Playing is not something I do at night, it's my function in life"
--Elvin Jones (1927-2004)
--
www.mikedrums.com

Swingman wrote:
> On 8/25/2017 4:02 PM, Leon wrote:
>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>> For all you folks in the path of Harvey...
>>>
>>> I just said a prayer for you. Good luck!
>>>
>> Thank you! Swingman is in Arkansas for the summer. ;~(
>>
>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>> NE area of Texas. We will have to watch out for the 25+inches of rain
>> over the next few days.
>>
>> Thank you again!
> Give it up, Bubba... I am so under water at this point even my reality
> check bounced, so broke I can't even afford a trip down memory lane.

I'm glad to hear you are in good health! I'm sorry you encountered some
"speed bumps". I sincerely hope that things go your way (you have too
good of an attitude for that not to happen)!

Bill

On 10/28/17 2:44 PM, Bill wrote:
> Swingman wrote:
>> On 8/25/2017 4:02 PM, Leon wrote:
>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>> For all you folks in the path of Harvey...
>>>>
>>>> I just said a prayer for you. Good luck!
>>>>
>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>
>>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>>> NE area of Texas.  We will have to watch out for the 25+inches of rain
>>> over the next few days.
>>>
>>> Thank you again!
>> Give it up, Bubba... I am so under water at this point even my reality
>> check bounced, so broke I can't even afford a trip down memory lane.
>
> I'm glad to hear you are in good health!  I'm sorry you encountered some
> "speed bumps".   I sincerely hope that things go your way (you have too
> good of an attitude for that not to happen)!
>
> Bill
>
>

I'm pretty sure that was an imposter and not the real Swingman.


--

-MIKE-

"Playing is not something I do at night, it's my function in life"
--Elvin Jones (1927-2004)
--
www.mikedrums.com

DerbyDad03 wrote:
> I agree with you. Some folks need that "reality check" that Swingman joked about. It's not
> all sunshine and happiness in the real world. There is no one-size-fits-all financial strategy.
> Sometimes life puts people in situations - through no fault of their own - where the options
> are extremely limited.

Thank you, medical care "corporation", of the USA.

On Sun, 29 Oct 2017 16:59:32 -0500, Leon <lcb11211@swbelldotnet>
wrote:

>On 10/29/2017 4:13 PM, DerbyDad03 wrote:
>> On Sunday, October 29, 2017 at 3:56:00 PM UTC-4, Leon wrote:
>>> On 10/28/2017 3:11 PM, -MIKE- wrote:
>>>> On 10/28/17 2:44 PM, Bill wrote:
>>>>> Swingman wrote:
>>>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>>>> For all you folks in the path of Harvey...
>>>>>>>>
>>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>>
>>>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>>>
>>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are in the
>>>>>>> NE area of Texas.  We will have to watch out for the 25+inches of rain
>>>>>>> over the next few days.
>>>>>>>
>>>>>>> Thank you again!
>>>>>> Give it up, Bubba... I am so under water at this point even my reality
>>>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>>>
>>>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>>>> some "speed bumps".   I sincerely hope that things go your way (you
>>>>> have too good of an attitude for that not to happen)!
>>>>>
>>>>> Bill
>>>>>
>>>>>
>>>>
>>>> I'm pretty sure that was an imposter and not the real Swingman.
>>>>
>>>>
>>> No, I think that was him.
>>
>> The tax bill looks legit although I'm not sure how you don't pay any property taxes for close
>> to 10 years. Don't they foreclose after a while?
>>
>
>In Texas, perhaps other states, you can claim the property tax deferral
>exemption at 65. When you sell you owe back taxes plus 8% interest
>IIRC. Not a bad deal IF your home appreciates in value or if you never
>sell.

That makes sense, I am glad to hear that, it just didn't make sense
otherwise.

On 8/24/2017 3:51 PM, DerbyDad03 wrote:
> For all you folks in the path of Harvey...
>
> I just said a prayer for you. Good luck!
>

I hope you guys survive unscathed.
My BIL and SIL are headed down there, her Dad passed away. I'm wondering
if they will really bury him with the conditions expected.

I hope everyone in the path is spared as much as possible.

--
Jeff

On Sat, 26 Aug 2017 09:42:43 -0500, -MIKE- <[email protected]>
wrote:

>On 8/26/17 8:49 AM, [email protected] wrote:
>> On Fri, 25 Aug 2017 22:42:27 -0500, -MIKE- <[email protected]>
>> wrote:
>>
>>> On 8/25/17 9:59 PM, [email protected] wrote:
>>>> On Fri, 25 Aug 2017 16:04:10 -0500, Leon <lcb11211@swbelldotnet>
>>>> wrote:
>>>>
>>>>> On 8/24/2017 5:29 PM, woodchucker wrote:
>>>>>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>>>>>> For all you folks in the path of Harvey...
>>>>>>>
>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>
>>>>>>
>>>>>> I hope you guys survive unscathed. My BIL and SIL are headed down
>>>>>> there, her Dad passed away. I'm wondering if they will really
>>>>>> bury him with the conditions expected.
>>>>>>
>>>>>> I hope everyone in the path is spared as much as possible.
>>>>>>
>>>>>
>>>>> Depending on where the burial site is located, they probably will
>>>>> not be doing any burials until the ground is less saturated.
>>>>
>>>> That isn't unusual. In Vermont, there are no burials between
>>>> Decemberish and Marchish. Blasting graves is cost prohibitive.
>>>>
>>>
>>> Have any evidence for that?
>>
>> A friend was a grave digger.
>>
>
>I bet he had some good jokes.
>Gotta keep a good sense of humor in that line of work.

When I was growing up, a neighbor was a mortician. The dead jokes
flew all the time. He hated them (had heard 'em all).

On 8/25/2017 5:04 PM, Leon wrote:
> On 8/24/2017 5:29 PM, woodchucker wrote:
>> On 8/24/2017 3:51 PM, DerbyDad03 wrote:
>>> For all you folks in the path of Harvey...
>>>
>>> I just said a prayer for you. Good luck!
>>>
>>
>> I hope you guys survive unscathed.
>> My BIL and SIL are headed down there, her Dad passed away. I'm
>> wondering if they will really bury him with the conditions expected.
>>
>> I hope everyone in the path is spared as much as possible.
>>
>
> Depending on where the burial site is located, they probably will not be
> doing any burials until the ground is less saturated.
They cancelled it, and is delayed 2 weeks. So they are hoping to get out
of dodge and they'll come back in 2 weeks if all is well.

--
Jeff

On Sun, 29 Oct 2017 18:53:24 -0400, Ed Pawlowski <[email protected]> wrote:

>On 10/29/2017 5:59 PM, Leon wrote:
>> On 10/29/2017 4:13 PM, DerbyDad03 wrote:
>>> On Sunday, October 29, 2017 at 3:56:00 PM UTC-4, Leon wrote:
>>>> On 10/28/2017 3:11 PM, -MIKE- wrote:
>>>>> On 10/28/17 2:44 PM, Bill wrote:
>>>>>> Swingman wrote:
>>>>>>> On 8/25/2017 4:02 PM, Leon wrote:
>>>>>>>> On 8/24/2017 2:51 PM, DerbyDad03 wrote:
>>>>>>>>> For all you folks in the path of Harvey...
>>>>>>>>>
>>>>>>>>> I just said a prayer for you. Good luck!
>>>>>>>>>
>>>>>>>> Thank you!  Swingman is in Arkansas for the summer.  ;~(
>>>>>>>>
>>>>>>>> Nailshooter, in San Antonio, is concerned and my wife and I are
>>>>>>>> in the
>>>>>>>> NE area of Texas.  We will have to watch out for the 25+inches of
>>>>>>>> rain
>>>>>>>> over the next few days.
>>>>>>>>
>>>>>>>> Thank you again!
>>>>>>> Give it up, Bubba... I am so under water at this point even my
>>>>>>> reality
>>>>>>> check bounced, so broke I can't even afford a trip down memory lane.
>>>>>>
>>>>>> I'm glad to hear you are in good health!  I'm sorry you encountered
>>>>>> some "speed bumps".   I sincerely hope that things go your way (you
>>>>>> have too good of an attitude for that not to happen)!
>>>>>>
>>>>>> Bill
>>>>>>
>>>>>>
>>>>>
>>>>> I'm pretty sure that was an imposter and not the real Swingman.
>>>>>
>>>>>
>>>> No, I think that was him.
>>>
>>> The tax bill looks legit although I'm not sure how you don't pay any
>>> property taxes for close
>>> to 10 years. Don't they foreclose after a while?
>>>
>>
>> In Texas, perhaps other states, you can claim the property tax deferral
>> exemption at 65.  When you sell you owe back taxes plus 8% interest
>> IIRC.  Not a bad deal IF your home appreciates in value or if you never
>> sell.
>
>
>Looking at the dates and lateness you can infer it is a tax deadbeat,
>but knowing of the deferment option, it is a pretty good fiscal tool.
>I'd do that here if offered. I have no plans to move so the taxes would
>come out of my kid's inheritance when they sell this place.
>
>Good for Swingman.

That's not a lot different than a reverse mortgage. I wouldn't do
either, though.

On 8/25/2017 4:10 PM, Leon wrote:
> On 8/24/2017 4:32 PM, Spalted Walt wrote:
>> DerbyDad03 <[email protected]> wrote:
>>
>>> For all you folks in the path of Harvey...
>>>
>>> I just said a prayer for you. Good luck!
>>
>> +1
>>
>> TWC quizzed a spokesman at the National Hurricane Center about an
>> hour ago, said that rainfall totals of 30-35 inches by the time
>> Harvey finally exits TX, next Wednesday.
>>
>> http://www.ssd.noaa.gov/PS/TROP/floaters/09L/imagery/avn-animated.gif
>>
>
>
> FWIW Houston got 35" of rain in a "single weekend" in June of 2005. Much
> more than that during a two week period during TS Allison.  IIRC
> Swingman had about 4 feet of water in his home.  His current home is
> about that high above grade.  One of the many major freeways in Houston,
> SW Freeway 59, has a low area for several miles inside the inner 610
> loop.  That area of the freeway was under water for more than a week. We
> are taking 16 feet deep, 8 lanes wide for a few miles.
>
>
https://www.google.com/search?q=highway+59+flooding+allison&rlz=1C1CHUE_enUS575US575&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjmudr9pfPVAhXhh1QKHbsAAmwQ_AUIDCgD&biw=1806&bih=942#imgrc=3Q7bYi-xehFSzM:

On 8/24/2017 4:32 PM, Spalted Walt wrote:
> DerbyDad03 <[email protected]> wrote:
>
>> For all you folks in the path of Harvey...
>>
>> I just said a prayer for you. Good luck!
>
> +1
>
> TWC quizzed a spokesman at the National Hurricane Center about an
> hour ago, said that rainfall totals of 30-35 inches by the time
> Harvey finally exits TX, next Wednesday.
>
> http://www.ssd.noaa.gov/PS/TROP/floaters/09L/imagery/avn-animated.gif
>


FWIW Houston got 35" of rain in a "single weekend" in June of 2005.
Much more than that during a two week period during TS Allison. IIRC
Swingman had about 4 feet of water in his home. His current home is
about that high above grade. One of the many major freeways in Houston,
SW Freeway 59, has a low area for several miles inside the inner 610
loop. That area of the freeway was under water for more than a week.
We are taking 16 feet deep, 8 lanes wide for a few miles.