Jan 15, 2009
Kinder and Gentler Phil Profile
I left Manitowoc in 1984. I then lived and worked all across North America. I travelled around the world. Three years ago I moved back and now live in Two Rivers. It is safe. It is cheap. I am a 45-90 minute drive away from big city "culture. ". I own a beautiful house that cost 1/10th of what it would have cost in the other places I lived. And I have news for you: there are "loosers " everywhere. There are people sitting on barstools right now from NYC to London to Paris to Moscow to Bejing complaining about the same things day after day. The fact that you think this is unique to Manitowoc or Two Rivers really only shows how little you have seen of the world and how little you know about life and human beings. (Aug 20, 2013 | post #16)
He is only 3 months behind. No payment in March or April and May is 2 weeks late. Her mortgage broker told her that if she gets him current and makes sure the payments are on time, her credit score will rebound fairly quickly. However, if the loan defaults, she is screwed for 7 years after the foreclosure which will take at least 18 months to go through the system. (May 19, 2012 | post #67275)
That was my advice. Get a lawyer to fight for the house. And in the mean time, pay his mortgage to save your credit. If nothing else, I do know that she can make his payments and sue him in small claims court for the amount she pays. (May 19, 2012 | post #67272)
Well, I haven't been on here in a VERY long time. Doesn't seem to look any different. I was recently asked a question by someone, and I thought I would throw it out to see if anyone had any thoughts. Her question: "We were divorced in September of 2011. Decree awarded him the house and 100% of the financial responsibilities for the house. As I was on the mortgage with him, he agreed to refinance in his name only. His bank called me in to sign papers for the refinance, and I signed them. The bank said it was approved and all done. Yesterday, I went to get a mortgage to buy a new home for myself, and I was told 1) He never refinanced. I am still on his loan. He didn't like the new terms of the refinance, refused to sign and never informed me. 2) He hasn't made a payment in three months and because of this, my credit score has dropped significantly. 3) I am now unable to get approved for a mortgage to buy my own home. Can I go to court and sue him to take the house? He can not and will not pay for it. He can not or will not refinance and remove my name from the mortgage. If I have to pay for the house, should I not be able to have him evicted in order to allow me to live there? Or, do I just have to make his payments so that he can live for free while I have to live in a tiny apartment? " Any thoughts? (May 19, 2012 | post #67270)
You were right. The weather on that drive home was terrible. Took 5 hours to drive the 180 miles. Wow, I haven't been on here for a LONG time. (May 19, 2012 | post #67267)
This is a question I was asked by someone else, and I thought I would throw it out here and see what could be learned: "We were divorced in September of 2011. Decree awarded him the house and 100% of the financial responsibilities for the house. As I was on the mortgage with him, he agreed to refinance in his name only. His bank called me in to sign papers for the refinance, and I signed them. The bank said it was approved and all done. Yesterday, I went to get a mortgage to buy a new home for myself, and I was told 1) He never refinanced. I am still on his loan. He didn't like the new terms of the refinance, refused to sign and never informed me. 2) He hasn't made a payment in three months and because of this, my credit score has dropped significantly. 3) I am now unable to get approved for a mortgage to buy my own home. Can I go to court and sue him to take the house? He can not and will not pay for it. He can not or will not refinance and remove my name from the mortgage. If I have to pay for the house, should I not be able to have him evicted in order to allow me to live there? Or, do I just have to make his payments so that he can live for free while I have to live in a tiny apartment?" (May 19, 2012 | post #1)
Will be driving down to Chicago in the morning.....Stayin g at hotel downtown. Macy's, Walnut Room, Crate & Barrel, Penny's Noodle Shop, Greektown for dinner.....Sunday off to burbs for Ikea and then head back north. (Dec 10, 2010 | post #39620)
It drops calls. The battery has to be recharged after 1/ of a normal day. The touch screen keyboard is awkward and slow for typing. (Dec 1, 2010 | post #38973)
Yes, I know. It has started. One word: Goth. Oh boy. (Nov 30, 2010 | post #3418)
I have an Iphone and a blackberry. I HATE the iphone. i LOVE the blackberry. Prefer the blackberry keyboard. I do like having the iphone as an ipod, but I prefer the blackberry as a phone, a web browser, a pda and its battery lasts 3x longer than than my iphone. (Nov 30, 2010 | post #38886)
Back in the 80s when I was attending Loyola University of New Orleans, we had a name for those "widdle girls" who were virgins........... .UGLY CHICKS!! Now, that being said my 14 yr old daughter - who is absolutely beautiful - will certainly qualify for this virgin college tuition plan...........bec ause she wont even be allowed to date until she is 30! (Nov 30, 2010 | post #3416)
makes me have to do this again: Of course it is all part of Obama’s plan to replace our Christian government with an atheist, communist Islamic state! He will lead us to the End of Days. It is written and it shall pass. If the liberals do not repent they shall taste the fear that only God’s own fire can bring. They will burn as the smell of Hell’s own sulfur pits chokes their last breaths. Hindu, Muslim, Catholic, Atheist and Democrat – you will all be judged and found lacking. You must RISE up against this so-called president. It is your only hope. I say “so-called” because, Barack Obama is NOT the president. I repeat Barack Obama is NOT the president. He did not recite the oath of office correctly, then he did not use a bible – probably had a Koran in his jacket pocket close to his heart. NO FILM of his second oath either. WHO KNOWS what he really swore to do. HE MIGHT have sworn allegiance to LENIN, SATAN, ALLAH or the NAACP Quick, Anne Coulter, Sean Hannity, Rush Limbaugh GET ON THIS STORY IMMEDIATELY. It is obviously a conspiracy to subvert the American way of life and the will of Jesus. He cannot prove that he is an American citizen by birth. He is secretly a Muslim and took the oath today with his hand on the Koran. The oath was not properly administered - HE WAS NOT SWORN IN AS PRESIDENT!!!! Without the oath properly administered this is an unconstitutional cabal controlling our government. WE MUST RISE UP AGAINST THE GODLESS HORDES. THIS WAS A COUP And the Birth Certificate scandal IS real. It is all part of the same Ultra-liberal constitutional coup. Obama was not eligible to become president and he was not administered the proper oath. So, THERE IS NO PRESIDENT. There is a shadowy behind the scenes ultra-liberal paramilitary group of gays and abortionists who have taken control of the nuclear codes. They will not rest until the American way of life as shown on Leave it to Beaver has been destroyed and only viewed fondly as decades old fiction. This IS happening and it IS foretold in the Book of Revelation (only if you know the secret codes and meanings) BUT IT IS REAL. (Nov 29, 2010 | post #3414)
Hello All! Nedd some help with Chicago restaurant. I used to go to Greek Town all the time. Unfortunately, my favorite place (dump) Diana's is loooong gone. Been to Rodity's, Greek Islands, Parthenon......but I dont know how any of them are now. I am going to be in Chicago 11th and 12th and already have planned: M(arshall Fields)ACYS, Crate and Barrell, Water Tower, MI Ave.....shopping with lunch in Walnut Room by the tree, Lunch the next day on the way out to IKEA at Penny's Noodle Shop. But I wanted to do Greek Town for dinner and I dont know which one to go to...... Help! (Nov 29, 2010 | post #38835)
My Minneapolis adventure: ‎5.5 hour dirve to Twin Cities. Good dinner, saw a play - in a bowling alley, bowled 10 frames (I won), karaoke at a dive bar called Vegas, and then got lost driving my sister and her boyfriend back to his brother's house. I-35w South closed, Iphone battery died along with our directions......4 people in the car with driver's licenses from WI, FL , GA & TX lost in MN at 12:45 am!!! Good times.. (Oct 30, 2010 | post #37198)
Q & A with Kinder and Gentler Phil
Illegitimi non carborundum
Scenic Manitowoc County WI
I Belong To:
The human race? What kind of question is that?
When I'm Not on Topix:
Slaving away for the man. Playing music. Looking over my shoulder for posters that I have ticked off on Topix!
Read My Forum Posts Because:
I have an overinflated sense of my own importance.
Read This Book:
For Fiction: The Pillars of the Earth by Ken Follett Non-Fiction: The Years of Lyndon Johnson by Robert Caro
On My Mind:
Questioning my ability to correctly see who/how people truly are.
I Believe In:
Never intentionally causing harm to another human being.
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