Month: March 2009

How Bad Is It If The Bank Forecloses On Your Mortgage?

Like so many people, you’re struggling to pay your bills. You’re realizing the mountain of bills is huge, and your income is much smaller. You’re having a terrible time keeping up with the mortgage payments; your bank has foreclosed. What will you do?

Knowing so many other people in society are also struggling, with the bank foreclosing on their mortgage, can lead you to believe that since so many people will be in your shoes it isn’t a big deal if you end up losing your home to the bank in mortgage foreclosure. Why worry about it? Why not just walk away and start over again? A fresh start is always good, right? Is a home foreclosure that big of a deal these days?

It’s All About Your Credit

If you walk away from your home, and let the bank foreclose, you have no mortgage, true. No more home repairs, no more mortgage insurance or property tax…no more house. You’ll have to find a new place to live. Moving isn’t cheap, and finding a new home can be hard and tiresome. What new place can compare with the old place you loved for so many years? It’s hard to say. Along with kissing your old house goodbye, you can kiss your credit goodbye, too. It will be gone history.

In our world, so much of our lives is ruled by credit. People are constantly looking up our credit report before they grant us a new credit card, or cell phone, or car loan, etc. When creditors look to see if you’re a good credit risk, they will see a foreclosure listed on your credit report. They’ll see that among so many other things both good and bad you walked away from your obligation to pay your mortgage. They’ll think twice before giving you a loan of any kind, whether for a new car, or a new credit card, a new cell phone contract, or anything. They’ll consider you a high risk. Your credit will be affected for years several years. It will be hard to get a new loan, whether for a house or something else.

So does it matter if you walk away from your home when the bank forecloses on your mortgage? Yeah, I’d say it does. Thinking of another option refinance, borrowing from someone, personal loan, inheriting would probably be better than the stain of foreclosure on your record.

Not Every Halloween Party Game Needs To Be Scary To

Not Every Halloween Party Game Needs To Be Scary To Be Enjoyed

Everyone knows that the scarier a Halloween party game is the more fun it will be for everyone. Fortunately, there are numerous Halloween party games that lend them well for the occasion though not every such game is scary. Therefore, it is up to you to decide which game is going to provide most fun to you and to the guests.

Scavenger Hunt

In case you need to play a Halloween party game that is simple and quite inexpensive as well and which also takes up a lot of time then you need to try playing a game called Scavenger Hunt. For this Halloween party game you need some orange paper, a few pens as well as some markers and a few clue items.

In order to play this Halloween party game you need cut some pumpkins on the orange colored paper and on the paper you need to then write out a few clues related to the Scavenger Hunt. Next, you need to form teams of guests after which you will hand out clues to the guests and lead them from one place to another.

You can use different slogans such as make the _______ move and win a frightening movie that has a title that will cause you to _______. This is a very simple slogan, though if you want to, you can use your imagination to create even more exciting ones. Every team member then has to take a stab at filling out the blanks of different slogans and the team that gets all or the most right answers wins the game.

The Mummy-Wrapping Race is another popular Halloween party game that can provide a lot of entertainment for children that are old enough to play this game. You can play this game with a few toilet roles. Teams of three to four children will be nominated to become the Mummy . Of course, each Mummy should look alike so that the game is played fairly without giving any one or more team an unfair advantage.

This Halloween party game requires that the other team members try to wrap their Mummies in toilet paper from head to their toes. Obviously, the first team to complete their task wins.

There is more to a Halloween party than the Halloween party game because food too is an important ingredient that will ensure that everyone has a gala time. It is therefore just as necessary to pay special attention to the proper Halloween party food as it is to any other aspect of a Halloween party. A few good ideas will help ensure that everyone thanks you later for the wonderful time that they had.