• Become Familiar With
  • There is Help to Keep Your Home from Being Foreclosed on

    I was pretty happy to buy my very first house. I had a nice amount of money saved from years at work, and I used that for a down payment. I spent many weekends with a real estate agent, who is also a good friend of mine, to look for the perfect place. So, when I found myself becoming one of many people facing foreclosures in NYC this year, it was disappointing. But with time, I found that there is help.

    I really wanted a home that was at the high end of what I could afford. My friend, the agent, tried many times to steer me away from that, but I did not listen. She explained that while I would certainly be approved for a loan for the higher dollar amount, I also needed to think about what would happen if I lost my job or came into some other type of trouble that made it hard for me to keep up with the monthly mortgage payment. I had been working just fine without any problems for the last 10 years, so I didn’t listen to her advice.

    About six months after I moved in, I got into a car accident. I spent two months in the hospital. I was suddenly two months behind on my monthly payments. When I left the hospital, I then had the struggle of keep up with paying for my house, plus medical bills and everything else I needed to pay for. I kept thinking I could make up for lost time money-wise, but that did not happen, no matter how hard I worked. I was already working 10-12 hours per day, so there was simply no more room for a second job either.

    My friend explained that rather than face foreclosure, I should put my home up for short sale. This means that I would not earn extra money on the home sale, and the home would need to be sold for a little less than I paid for it. This would keep me from having my credit damaged. I told her that I would do it, and it worked.

  • Become Familiar With
  • Just Started My New Job

    I just started out on a new job this week. I am not really able to do much of it yet, because this requires a lot of training. You are dealing with a lot of poisons in fact when you are working to exterminate bugs. They took me out with guys who knew what they were doing. A big part of the job is act as a bed bug exterminator in NYC. The bed bug had been exterminated in the United States at one point in time, but they were brought back by some person who traveled to a country where they still existed and they have made a big comeback. That is apparently one of the big things I need to learn about because you have a lot of that to do in New York City. The big thing is to keep them out of the beds at a large hotel. Of course if you have a hotel, then the last thing you want is for your guests to go on the internet and tell the entire world that you have bed bugs. So these people have a huge incentive to do everything that they can to make sure that they do not have them. In fact they could have them brought in by any of their guests all of the time. You could just get some person who has stayed in another place where there were bed bugs and once you have a few of them, they can spread like a wild fire and soon they will be in every room that you have. So when they call us they want us to figure out which rooms are infected and then take action to make sure that they are eliminated as completely as they can be. It is that simple.