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United States District Court, Northern District of New York
March 26, 2003
MEMORANDUM-DECISION and ORDER
Plaintiff Jan Prestopnik commenced the instant litigation pursuant to 42 U.S.C. § 1983 arising out of defendants' alleged refusal to permit her attorney to speak at a Board of Education meeting. Defendants move to dismiss pursuant to Fed.R.Civ.P. 12(b)(6).
Plaintiff cross-moves for partial summary judgment pursuant to Fed.R.Civ.P. 56. Oral argument was heard in Utica, New York on December 12, 2002. Decision was reserved.
Plaintiff was employed as a teacher with the Greater Johnstown School District (the "District") from September 1, 1999 through June 30, 2002. (Compl. at ¶ 7.) The District's Superintendent, defendant John Whelan, did not recommend plaintiff for tenure. (Id. at ¶ 8.) The Board of Education ("the Board") adopted Whelan's recommendation and did not tenure plaintiff. (Id. at ¶ 9.) Plaintiff hired Attorney Elmer Robert Keach, III ("Keach") to represent her in connection with her denial of tenure and termination of employment. (Id. at ¶ 11.)*fn1 Keach attended a July 9, 2002 Board meeting. (Id. at ¶¶ 13-14.) At the meeting, he attempted to address the Board to ask that they reconsider the tenure decision concerning the plaintiff. (Id. at ¶¶ 14-15.) The District's attorney, Patrick J. Fitzgerald,*fn2 informed him that he would not be permitted to raise the issue of plaintiff's tenure during the public session of the meeting. (Id.) Thereafter, following some heated discussion, Keach was precluded from discussing plaintiff's tenure. (Id. at ¶ 18.) He was invited to address the Board in writing on behalf of the plaintiff. (Keach Aff., Ex. A, p. 8.)
A. Defendants' Motion to Dismiss
"`A court may dismiss a complaint [under Fed.R.Civ.P. 12] only if it is clear that no relief could be granted under any set of facts that could be proved consistent with the allegations.'" Swierkiewicz v. Sorema N.A., 534 U.S. 506, 514 (2002) (quoting Hishon v. King & Spalding, 467 U.S. 69, 73 (1984)). In deciding a Rule 12(b)(6) motion, a court "must accept as true all of the factual allegations contained in the complaint." Swierkiewicz, 534 U.S. at 508 n. 1; see also Sheppard v. Beerman, 18 F.3d 147, 150 (2d Cir.), cert. denied, 513 U.S. 816 (1994); Kaluczky v. City of White Plains, 57 F.3d 202, 206 (2d Cir. 1995). Conclusory allegations that merely state the general legal conclusions necessary to prevail on the merits and are unsupported by factual averments will not be accepted as true. See, e.g., Clapp v. Greene, 743 F. Supp. 273, 276 (S.D.N.Y. 1990), aff'd, 930 F.2d 912 (2d Cir.), cert. denied, 502 U.S. 868 (1991); Albert v. Carovano, 851 F.2d 561, 572 (2d Cir. 1988). A complaint is sufficient if it gives the defendants fair notice of the plaintiff's claims, the grounds upon which they rest, and states claims upon which relief could be granted. Swierkiewicz, 534 U.S. at 514.
B. Plaintiff's Cross-Motion for Partial Summary Judgment
The local rules of the Northern District of New York provide that
Any motion for summary judgment shall contain a
Statement of Material Facts. The Statement of
Material Facts shall set forth, in numbered
paragraphs, each material fact the moving party
contends there exists no genuine issue. Each fact
listed shall set forth a specific citation to the
record where the fact is established. . . . Failure
of the moving party to submit an accurate and complete
Statement of Material Facts shall result in a denial
of the motion.
"The Local Rules are not suggestions, but impose procedural requirements upon parties litigating in this District." Osier v. Broome County, 47 F. Supp.2d 311, 317 (N.D.N.Y. 1999). The requirements of, and effects of failure to comply with, Rule 7.1 are clear — a proper Statement of Material Facts is required and a non-conforming motion must be denied. N.D.N.Y.L.R. 7.1(a)(3) ("Each fact listed shall set forth a specific citation to the record. . . . Failure . . . to submit a . . . complete Statement of Material Facts shall result in a denial of the motion.") (emphasis added).
In support of her motion for partial summary judgment, plaintiff submitted a Statement of Material Facts Not In Dispute. (Dkt. No. 13.) However, plaintiff failed to provide a single citation to the record where each fact is established. In an attempt to salvage this procedural failure, in her Reply Statement of Material Facts Not in Dispute, plaintiff "supplements her earlier statement provided to the Court, and indicates for the Court that the record supporting her suggested material facts is provided by the transcript of the public meeting in question . . . and the videotape of that meeting." (Dkt. No. 21.)
In a somewhat analogous situation, one Court in this district stated:
It is not this Court's function to filter through [the
record] in an attempt to find plaintiffs' claimed
[undisputed] . . . issues of fact. Lawyering is to be
done by lawyers, not the Court. Plaintiffs are quite
presumptuous in concluding that providing citations to
the record would be of no value to the Court. The
Court could not disagree more. By providing precise
citations to the record where the disputed [or
undisputed] facts are located, both parties and the
Court can move immediately to the gravamen of the
case; absent this forced focus, the parties' briefs
can remain, as is often the case, as "two ships
passing in the night". . . . If the facts supporting
the arguments are in the record, counsel should be
able to cite to them.
A. Right to Speak
Defendants move to dismiss the Complaint on the ground that plaintiff has not been deprived of a constitutional right. More specifically, defendants argue that "[p]laintiff has not, and cannot, allege in her Complaint that she attempted to personally address the Board or that she was prevented by the Board from doing so. Therefore . . . [p]laintiff has failed to allege any facts which show that she has been deprived of such a right." (Def.'s Mem. of Law at 5.) Plaintiff responds that the First Amendment guarantees a right to speak and petition the government for the redress of grievances through an agent (i.e., her attorney).*fn3
Plaintiff provides no legal authority for the proposition that "she has every right to petition her elected government through counsel." (Pl.'s Mem. of Law at 9.) The single case cited by plaintiff, Lamar v. Kern, 349 F. Supp. 222, 224 (S.D.Tex. 1972), is inapposite. That case found a First Amendment violation where a prison was censoring or withholding mail to and from courts and attorneys. Id. It is well-settled that "[i]nterference with legal mail implicates a prison inmate's rights to access to the courts and free speech as guaranteed by the First and Fourteenth Amendments to the U.S. Constitution." Davis v. Goord, 320 F.3d 346, ___ (2d Cir. 2003). This is because such interference may hinder a prisoner's efforts to pursue a legal claim. Id. It is similarly settled that there is a right "to be fairly represented in lawsuits authorized by Congress to effectuate a basic public interest," B'hood of R.R. Trainmen v. Virginia, 377 U.S. 1, 7 (1964), and to confer with counsel to obtain legal advice. Bates v. State Bar of Arizona, 433 U.S. 350, 376 n. 32 (1977); Denius v. Dunlap, 209 F.3d 944, 954 (7th Cir. 2000); DeLoach v. Bevers, 922 F.2d 618, 620 (10th Cir. 1990), cert. denied, 502 U.S. 814 (1991). None of these situations are presented under the facts and circumstances of this case. Plaintiff is not seeking to be represented by an attorney in an adversary proceeding or another forum in which the advice of counsel is ordinary or necessary. Further, there are no allegations that defendants interfered with plaintiff's efforts to consult with an attorney or to pursue a legal claim.
Plaintiff also invokes the law of agency contending that her attorney:
"had the power to affect the legal relations of the
principal to the same extent as if the principal had
so acted." Just as the [school's attorney] conveyed
the position of the School Board and is not directly
liable for the present Constitutional violation, so
too can [plaintiff's attorney], as [plaintiff's]
. . . agent . . . convey his client's position to the
Board without implicating his personal First Amendment
freedoms. In short, [plaintiff's attorney] was acting
as a conduit for [plaintiff] to exercise her First
Amendment rights.
Considerations of agency and constitutional law compel the conclusion that there is no First Amendment right to appear through an agent (including a licensed attorney) at a regularly scheduled, non-adversarial Board meeting at which no action was going to be taken with respect to plaintiff's property rights.*fn4 Plaintiff provides no support for the proposition that First Amendment rights can be exercised vicariously. To the contrary, courts have held that constitutional rights are personal in nature and cannot be delegated or exercised vicariously. Johns v. County of San Diego, 114 F.3d 874, 876 (9th Cir. 1997) (attorney-in-fact does not have right to assert principal's due process claim); Eaton v. City of Solon, 598 F. Supp. 1505, 1514 (N.D. Oh. 1984) (rejecting argument that alleged authorized agent of principal has standing to assert a claim pursuant to 42 U.S.C. § 1983 on behalf of the principal); United States v. Hunt, 505 F.2d 931, 941 (5th Cir. 1974) (A principal "may not vicariously assert the Fourth Amendment rights of" his agents.), cert. denied, 421 U.S. 975 (1975). In a case involving the First Amendment's Free Exercise Clause, the Second Circuit stated that "a plaintiff must allege that her own particular religious freedoms are infringed." Altman v. Bedford Cent. Sch. Dist., 245 F.3d 49, 71 (2d Cir.) (internal quotations and citation omitted), cert. denied, 534 U.S. 827 (2001); see also Am. Charities for Reasonable Fundraising Regulation, Inc. v. Shiffrin, 205 F.3d 1321, 2000 WL 232656, at *1 (2d Cir. 2000) (table decision) ("Even in the First Amendment context, where the standing inquiry is more flexible, plaintiffs must still allege that they themselves have suffered harm."). Similarly, in the Fourth Amendment context, the Fifth Circuit stated that "interpersonal relationships cannot make a `victim' of one who is not otherwise `one against whom the search or seizure is directed.'" Hunt, 505 F.2d at 939.
Generally speaking, the Fourth Amendment protects the
"I" but not the "thou." So it is that one spouse may
not complain if the other is searched. Nor may one
business partner assert an interest in the search of
another partner solely on the basis of the partnership
relation. Finally, . . . co-defendants and
co-conspirators may not assert the Fourth Amendment
rights of their alleged partners in crime solely on
the basis of their interpersonal association, because
Fourth Amendment rights are personal ones.
The cases also hold that plaintiffs may not rely upon the conduct of others to support their claimed First Amendment violations. In Easton v. Sundram, 947 F.2d 1011, 1015 (2d Cir. 1991), cert. denied, 504 U.S. 911 (1992), for example, the Second Circuit held that the executive director of a corporation failed to state a First Amendment retaliation where it was the corporation and not the executive director himself that engaged in the protected speech. Id. This case makes it clear that the plaintiff him or herself must have engaged in the protected activity; not some person or entity with which the plaintiff is associated. By analogy, it must be plaintiff who was denied an opportunity to speak at the Board meeting; not some person with whom she is associated (i.e., her attorney).
There is no other basis upon which to conclude that plaintiff has a First Amendment or other constitutional or federal statutory right to be heard through an attorney at the Board meeting. As discussed, in civil matters, the right to appear through counsel ordinarily arises in the due process context.*fn5 Under notions of due process, governments need only allow individuals "the procedures which have traditionally been associated with the judicial process," such as representation by counsel, "when government agencies adjudicate or make binding determinations with directly affect the legal rights of individuals." Hannah v. Larche, 363 U.S. 420, 442 (1960). On the other hand, "when governmental action does not partake of an adjudication, as for example, when a general fact-finding investigation is being conducted, it is not necessary that the full panoply of judicial procedures be used." Id. Because the Board meeting at issue here did not involve binding determinations affecting plaintiff's legal rights, there was no need, or right, for her to be represented by counsel.*fn6 Plaintiff offers no cogent reason why the First Amendment rights of free speech and to petition the government for a redress of grievances should afford her any greater protection in this situation than the Fourteenth Amendment's Due Process Clause.*fn7
Prudential considerations also militate against plaintiff's argument. Suppose, for example, a large group of individuals hired a "spokesman" (whether an attorney or not) to speak on their behalf on the steps of Capitol Hill (a traditional public forum). Under plaintiff's argument, if the spokesman was not permitted to speak, every individual in the group that retained the spokesman would have suffered a constitutional injury regardless of the fact that no member of the group was personally precluded from speaking. Consider also the example where a plaintiff's mother appeared at a public meeting to speak in support of her daughter, but was precluded from talking. Under principles of agency law, after the Board meeting was over, plaintiff could ratify her mother's speech, thereby adopting it as her own, see Restatement (Third) of Agency §§ 4.01-4.03, and, therefore, claim to have suffered constitutional injury. Recognizing that the First Amendment is among the most cherished of individual liberties and a cornerstone of our republic, plaintiff's invocation of principles of agency law carries her personal liberties too far. Except in extraordinary circumstances not present here, constitutional rights are personal and may not be delegated or exercised vicariously. Thus, under these examples, the only persons who may have sustained constitutional injury are the spokesman and the mother. Likewise, the only person who may have sustained constitutional injury in the present case is plaintiff's attorney.
B. Right to Petition*fn8
Finally, there has been no violation of plaintiff's right to petition the government for redress of grievances.
The "right to petition government afforded by the
First Amendment does not include the absolute right to
speak in person to officials. Where written
communications are considered by government
officials, denial of a hearing does not infringe upon
the right to petition. The right to petition
government does not create in the government a
corresponding duty to act."
C. Standing
There are no allegations in the Complaint that support plaintiff's claims that defendants' actions affected the exercise of her First Amendment rights. Although the Complaint alleges that plaintiff "would like to address the Board again," there are no allegations that (1) the Board would again open up its meetings to the public; or (2) that plaintiff has, or would be, refused the opportunity to speak at any such public forum. Indeed, the undisputed evidence in the record suggests that plaintiff can, at any time, petition the Board in writing regarding any subject. Because plaintiff did not, and is not likely to, personally suffer any constitutional injury, she does not have standing to assert claims pursuant to 42 U.S.C. § 1983. Colombo v. O'Connell, 310 F.3d 115, 116 (2d Cir. 2002), petition for cert. filed, 71 U.S.L.W. 3523 (Feb. 3, 2003) (No. 02-11); Crist v. Comm'n on Presidential Debates, 262 F.3d 193, 195 (2d Cir. 2001); Morris v. Lindau, 196 F.3d 102, 113 (2d Cir. 1999); Fulani v. Bentsen, 35 F.3d 49, 51-52 (2d Cir. 1994).
Plaintiff was not precluded from speaking at a public forum. Plaintiff was invited to submit her grievances in writing. Plaintiff was not denied the right to petition. Plaintiff has not been denied the right to speak or petition in the future. Plaintiff has not suffered any constitutional injury and does not have standing to state a claim pursuant to 42 U.S.C. § 1983.
Accordingly, it is
ORDERED that
1. Defendants' motion to dismiss is GRANTED;
2. Plaintiff's cross-motion for partial summary judgment is DENIED; and
3. Plaintiff's Complaint is DISMISSED.
The Clerk of the Court is directed to enter judgment accordingly.
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Archive » Hollyweird
Enough with Hollywood's extreme boobery
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Hypocrite parade: Powered by dreams and jet fuel
Movie about Barack & Michelle's first date might break even just in ticket sales to lapdog media
Can't wait for Chris Matthews' review
Because they care: Will Ferrell to assist Hillary's push for Alzheimer's awareness with planned Reagan mockumentary; Updated
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Beyonce's beehive of bombastic buffoons
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Dems' CO2 alarmism leaves Ted Cruz breathless; Bernie Sanders uses private charter for Rome trip, exhaling all the way (Open thread)
Being a socialist "for the people" doesn't mean you can't eat like a King!
John Kerry will LOVE Bono's idea: What needs to be deployed against ISIS is … comedy
With or without you?
Michael Moore graciously informs GOP-controlled states how to keep his movies out
You're gonna need a better "threat"
The irony cuts like a knife: Bryan Adams boycotts Mississippi, just performed in Egypt
Something sphinx here
Hillary doesn't want press filming her boarding private charter jet; Joe Biden to appear at Oscars (a Sunday open thread)
Climate change "one of the most urgent threats of our time"


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Linguistics and Education
An International Research Journal
See also Elsevier Linguistics programme home
The journal impact factor is a measure of the frequency with which the average article in a journal has been cited in a particular year. The impact factor helps you evaluate a journal's relative importance, especially when you compare it to others in the same field. To calculate the five year Impact Factor, citations are counted in 2012 to the previous five years and divided by the source items published in the previous five years.© 2012 Thomson Reuters, 2012 Journal Citation Reports®
Editor::Theresa Lillis
Aims & Scope
Linguistics and Education is an international peer-reviewed journal that welcomes submissions from across the world that advance knowledge, theory, or methodology at the intersections of linguistics and education. The journal is concerned with the role played by language and other communicative/semiotic systems in mediating opportunities for learning and participation in a globalized world. Research published in the journal engages with the complexities and changing realities of educational contexts and practices, focusing on all levels of formal education, as well as a wide variety of informal learning contexts throughout the lifespan and across modes, genres and technologies.
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Linguistics and Education is a research-oriented journal. Papers may address practical and policy implications for education but must be built on robust research and have a strong conceptual grounding in their analyses and discussions. Linguistics and Education welcomes papers from across disciplinary and interdisciplinary research traditions that reflect principled application of qualitative, quantitative or mixed methodological paradigms and research designs (e.g. case studies, ethnographic fieldwork, experimental/semi-experimental studies, etc.). Papers must be relevant to an international readership.
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Abstracting and IndexingCommunication Abstracts, ERA (Educational Research Abstracts Online), ERIC, Education Research Index, Educational Management Abstracts, LLBA, Language Teaching, Linguistics Abstracts Online, MLA International Bibliography, Multicultural Education Abstracts, PsycINFO, Scopus, UnCover
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• Recovery time is usually fast. The downtime required after having this type of procedure is usually much less than exactly what is needed for other kinds of cosmetic treatments, consisting of tummy tucks, breast reduction, and more. Individuals who have had the treatment can frequently go back to work much more rapidly than they anticipated and can return to living a healthy, active lifestyle.
• Weight-loss can be permanent. With the best maintenance strategies, the fat that was removed during the liposuction treatment will not return.
• Complete control over your physique. With liposuction, a person can have complete control over how they want to look, beyond what standard diet and workout can provide. Offering people this power over their bodies enhances self-confidence and assistance people feel their best.
While there many advantages to liposuction, there are naturally a couple of caveats that need to be taken into account prior to making the decision to progress with the treatment.
Cons of Liposuction
Before having actually liposuction done, it is necessary to analyze the possible drawbacks of the procedure and determine if the advantages surpass the threats in your certain case. Your specialist can assist you learn more about the threats associated with the treatment and can assist you choose if moving forward is the right thing for you.
• Complications with general anesthesia. Since liposuction is carried out under basic anesthesia, the procedure carries the same risks as any other kind of surgery where general anesthesia is used. Hidden medical conditions may increase these threats.
• Unfavorable reactions. Bruising, bleeding, and discomfort are all to be expected, however, in unusual cases can cause more substantial complications.
• The potential to acquire the weight back. After having liposuction done, it is important to preserve a healthy diet and exercise appropriately as recommended by your doctor. Failure to do so might cause getting back the weight that was lost or potentially a lot more.
Although there are threats connected with liposuction, for many individuals, the benefits far outweigh them. Educate yourself about the treatment by having extensive conversations with your surgeon and think about how liposuction has the prospective to affect you as a distinct person. Just you and your specialist can identify if liposuction will provide you with the results you are trying to find within your expectations.
Laser Liposuction procedure is a new non invasive procedure to loose unwanted bodyfat in Tolono Illinois
Laser liposuction is a more recent, minimally invasive procedure that involves heating the fat cells to melting point and removing the melted fat through a small cannula. The treatment is normally done right in your physician's office and is an excellent choice for individuals who have less than 500 ml of fat to get rid of from any one area. Laser liposuction can be a safe, complementary procedure to weight reduction in order to sculpt the body you've always desired.
Contact a Cosmetic surgeon in your Tolono Illinois today.
If you're considering liposuction as a weight loss option, it is essential that you discuss your desires with a qualified cosmetic surgeon in your location. Your surgeon will carry out a complete exam and health history questionnaire to figure out if liposuction can benefit you and help you reach your physical and emotional objectives. Call today for an assessment and learn more about how liposuction can help you achieve the body of your dreams.


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CHI Health Clinic is currently seeking a Nurse Practitioner to join our highly regarded Palliative Care team.
UNTHSC's Center for Geriatrics, within the Institute for Healthy Aging needs a qualified Palliative Medicine Nurse Practitioner.
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Arkansas Income Tax School
These schools are two day workshops performed in a classroom setting. They provide an excellent opportunity for tax preparers to get a general review of current tax regulations and an update of changes in existing tax laws. The workshop is geared toward tax preparers and tax professionals. It meets the guidelines for 16 hours of credit for continuing professional education as set forth by the Arkansas State Board of Public Accountancy (including 2 hours of ethics).
The University of Arkansas Division of Agriculture is proud to announce that we have been approved as an IRS Continuing Education Provider. Tax preparers should always look for IRS approved providers when fulfilling their continuing education requirements. Provider #ZWRJ7.
Program Hours
Day One: Registration begins at 8:00 a.m.
Class begins at 8:30 a.m.
Day Two: Class begins at 8:00 a.m.
Program adjourns at 4:30 p.m. on both days.
- Registration Information
2016 Income Tax Schools
Our registration fee is $220. Walk-in space can not be guaranteed, but will be granted provided space is available. The registration fee includes refreshments during breaks and all conference materials.
Materials can be mailed to those who register but cannot attend. If you cannot attend and notify us two days before your school starts, we will refund your money, unless you want the materials.
This program meets the guidelines for 16 hours of credit for continuing professional education as set forth in the Rules and Regulations of the Arkansas State Board of Public Accountancy (includes 2 hours of ethics).
Program Hours
- Day One: Registration begins at 8:00 a.m. with class starting at 8:30
- Day Two: Class begins at 8:00 a.m.
- Program adjourns at 4:30 p.m. on both days
If you have questions contact:
University of Arkansas
Cooperative Extension Service
2301 S. University Ave.
Little Rock, AR 72204
(501) 671-2072
- Location and Dates
Our Income Tax Schools will qualify for 16 hours of continuing professional education (which includes 2 hours of ethics).
November 14-15: Van Buren Holiday Inn
November 17-18: Fayetteville Town Center
November 28-29: Jonesboro ASU Delta Center for Economic Development
December 1-2: Little Rock U of A Division of Agriculture Cooperative Extension Service
December 5-6: Hot Springs Clarion Resort on the Lake
For more specific information regarding the locations, please call: 501-671-2072


text:
- Home
- About Us
- Course Experiences
- Coaching
- Enroll
- Podcasts
- Blog
- Peaceful Project
- Contact
The Program
The Foundation
The Peaceful Project endeavors to reach the under- served population, guiding them to discover, honor, and live their unique life's purpose, peacefully, powerfully and responsibly.
The Peaceful Project is extraordinarily effective in eliminating the bully/victim paradigm, replacing it with responsible and harmonious community. We recognize that true power can only occur through cooperation and cannot be forced. By helping all, especially the youth of today to uncover and express feelings and thoughts they may not even know are affecting them, we are often able to assist them in understanding and altering the bully/victim paradigm. This level of personal responsibility puts one's magnificence in action.
The Peaceful Project provides an avenue for those who would like to make charitable contributions in order to sponsor individuals or groups to attend courses or workshops to do so in a tax-deductible way. We currently have programs in many different cities coast to coast. The Peaceful Project actively seeks grant funds as well, so if you are a group with a desire for personal development training, contact us to see if we can meet your needs.
Our Executive Director, Maggie Macaulay can assist you at 954-483-8021 or email@example.com


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What is your baking challenge?
The recipe to success is a reliable baking process, predictable quality and cost optimised recipes. It is about understanding the consumer, making new creative applications, inviting to an extraordinary eating experience and exceeding expectations.
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The Technical Competence Centre is a valuable source of know-how for our customers. This is where we have gathered all our knowledge and global experience of industrial and artisan baking. This is where we solve baking challenges.
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Palm free bread improver for yeast-raised products. It is designed to boost softness and make the dough more tolerant to handling. Can be used in a wide range of baking applications for excellent result.


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Be the first to like this
Published on
Ray Business Technologies ("RAYBIZTECH")
IT process methodology is modeled after Open
Unified Process (Open UP
), an iterative and requirements
driven agile methodology for project
deliveries. Key checks and balances are done at each milestone to ensure that requirements
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increments in functionality to deliver the solution.


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Model: Kernel-1300XLT-Trike_Lift
Kernel Manufacturing's 1300 lb trike lift table provides the perfect worktop for three wheeled motorcycles. The dual function power unit allows you to hook the lift up to an air pump or simply use the hydraulic foot-pump operation to raise and lower your trike while the automatic safety locks make sure that you are safe and secure the entire time. This lift does not sit on casters so you'll have no problems with the lift moving forward during loading. It comes standard with a front wheel stop, front extension panel, and rear drop out panel. We also ask that you please contact us for a shipping quote on all Kernel lifts to obtain a custom shipping quote.
• 8% sales tax will be charged on all shipments going to CA after the sale
• 38.5'' lifting height
• Overall width 62.25"
• 6.75'' lowered height
• 132.25'' table length
• Power Supply - Min. 90 PSI / Max. 100 PSI
• Download the manual HERE
• Designed specifically for trikes
• Download the pdf spec sheet HERE
• Net weight 660 lbs
• Residential deliveries cost extra
• Ships free to business w/ forklift*
• Can be picked up at local truck dock terminal
• Free shipping applies to $250 maximum. If shipping exceeds this amount a surcharge may be needed
• Save $250 & pickup at:
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- Kalispell, MT
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Free shipping only applies to products that are marked "free shipping" or "ships free" in the title. Freight ship items have a predetermined max amount that can be spent under our free shipping policy. In the event you reside in an unusually high cost shipping zip code we may alert you that a shipping surcharge may be necessary.
Click OK to view our full shipping policy. Clicking cancel will keep you on the current page.


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Basic 2 / Max 4
1 Full Bed
161-sq-foot (15-sq-meter) room with city views
Entertainment - Free WiFi, LCD TV with cable channels
Food & Drink - Shared/communal kitchen and room service
Bathroom - Partially open bathroom, a hair dryer (on request), and a shower
Practical - Desk
Comfort - Air conditioning and daily housekeeping
Need to Know - Shared accommodations
Basic 2 / Max 4
1 Full Bed
161-sq-foot (15-sq-meter) room with city views
Entertainment - Free WiFi, LCD TV with cable channels
Food & Drink - Shared/communal kitchen and room service
Bathroom - Partially open bathroom, a hair dryer (on request), and a shower
Practical - Desk
Comfort - Air conditioning and daily housekeeping
Need to Know - Shared accommodations
Go on an epic exploration of the nation's capital city of Manila and avail of trendy and comfortable accommodations at Chill-Out Guesthouse.
True to its name, Chill-Out Guesthouse's priority is the rest and relaxation as well as the enjoyment of its guests. Set in the vibrant district of Malate, the hostel is situated at 612 Remedios Street in Remedios Circle. Ninoy Aquino International Airport is accessible from the accommodation—only about a 20-minute drive. Aside from the entertainment district, it is also near the historic landmarks and leading tourist spots in Manila, which enables guests to experience all of the city has to offer its visitors.
Chill-Out Guesthouse caters to all kinds of travelers. It is home to different types of rooms affordable for backpackers. The hotel has fan rooms and air conditioned rooms that guests can choose from. Each room is equipped with an LCD TV for entertainment. Shared facilities include a bathroom with shower and a kitchen where you can prepare your own meals. Free WiFi is made available in all rooms and in select areas in the hotel. Aside from comfy rooms, the hotel features useful facilities such as a restaurant, 24-hour front desk offering tour and ticket assistance, laundry areas, designated smoking spots, and a computer station.
Manila's main landmark is Rizal Park, which stands as a tribute to the national hero Jose Rizal. Intramuros, the walled city, is a reminder of the Spanish colonial era. Tourists will be captivated with a beautiful view of the sunset at Baywalk.
|612 Remedios Street, Malate, Manila (Show Map)
|A stay at Chill-Out Guesthouse places you in the heart of Manila, minutes from Malate Church and close to SM Mall of Asia. This hostel is within close proximity of Baywalk and Manila Zoo.
Total Number Of Rooms
Check-In Instructions
|Extra-person charges may apply and vary depending on property policy. Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges. Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
General Hotel Policy
|You must present a photo ID when checking in. Your credit card is charged at the time you book. Bed type and smoking preferences are not guaranteed.Your reservation is prepaid and is guaranteed for late arrival. The total charge includes all room charges and taxes, as well as fees for access and booking. Any incidental charges such as parking, phone calls, and room service will be handled directly between you and the property.
Child Policy
|Children may incur extra charges payable at the hotel. If you are traveling with children, please contact our call center at (+632)662-1111 and inquire about the hotel's child policy before completing your booking to avoid extra expenses at the hotel.
Room Facilities
Room Amenities
Hotel Facilities
Disclaimer: It is the responsibility of the hotel chain and/or the individual property to ensure the accuracy of the photos displayed. TravelBook.ph is not responsible for any inaccuracies in the photos.


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UK growth equity firm Scottish Equity Partners (SEP) and SME-focused Business Growth Fund (BGF), have led a £20m investment in SkyDox, a provider of cloud-enabled document collaboration software for the enterprise sector.
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text:
I am totally relaxed. I don't take this stuff as seriously as some do. You're the one getting all defensive. You started the insults. And you started stuff by taking things out of context. You go on aboot isolation, how my life isn't what I wanted and stuff, yet I never said you had to be isolated in Northern California.........I said you could hang out with loggers and hippy chicks. Oh, by the way, I never had any visions of my life when I was younger so, there is no disappointment.
I'll wait for the examples of how I make every thread aboot myself. And don't use things where I'm obviously messing around. And then, after you find all of the examples, go and look at all of your posts. You might want to rethink this whole thing.
Here's the real deal: YOU can talk smack to people, YOU can be a wise-ass. YOU can start threads about YOURSELF. But I guess others can't especially if they don't agree or support you or your opinions. Jesus man, I don't even start threads anymore.
Results 101 to 110 of 236
Thread: Should I Stay or Should I Go?
It's close enough.
Chick said she was a top designah
Thought she was cool with her vagina
But she gots HIV so I had to declined her
Opps, I made this post aboot me, once again.....
Your welcome. You've gave me some good SUS + Carver tips last November, which I'm pleased to report have been "implemented", and now that I'm "feeling it" are working great. The "maneuverability" I've been able to attain has allowed me to make more sections and taken my sessions to new heights. So thanks to you for the encouragement and the others on SI, and in my local lineup.
Jun 21, 2013, 05:11 PM #104
Oh, and one last thing SUP, that statement - that I make everything aboot myself - is just completely absurd. All of these people on this thread aren't here merely to help you, they are contributing here because they are given a platform to talk aboot THEMSELVES. Everybody has to give their experiences with changing locations. So you go scold them for talking aboot themselves.
And what did I do so wrong, SUP. I gave you a little fantasy scenario aboot Northern California and threw in some of my views aboot humanity. It wasn't insulting YOU. So why did this have to lead up to a b!tch fest? Why do you get offended because I say human relationships usually turn south? Why do you get uspet because I speak of semi-isolation in a redwood forrest? That wasn't a personal attack on you. This is, actually, really stupid.
Seems like someone thinks everything is aboot them. If you are getting upset at general opinions aboot people and life, then obviously you are making everything aboot you.
Good day, sir. Hey, get some work done and stop spending all of your work day on here. Or I'll fire you. Oh, if you move, you might have to get your urine inspected for a new job. Keep that in mind.
Jun 21, 2013, 05:14 PM #106
Jun 21, 2013, 05:21 PM #108
Last edited by DawnPatrolSUP; Jun 21, 2013 at 05:24 PM.
Yeah, some people gave you housing prices, but would you really be looking for housing information on a surf predictin' website?
How can anyone's advice on here really steer you one way or the other. This is something you and your bride should decide - not Chucky from Podunk, North Carolina.
So, some dudes on here used to live inland and moved to the coast. Yeah, so? What does that do for you and your situation? It does nothing. I guess that experience is universal, huh? Whatever happened to them must happen to you.
Ok man, I'll leave you alone. Sorry, I'm just incredulous that this is considered "Serious." And in the future when you ax the swellinfo community aboot other major life decisions, I give you my word I won't interferre.
Good luck making that decision.
Jun 21, 2013, 08:40 PM #110


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Wal-Mart is seriously into social media, according to the Dec. 3 issue of the "Phil Lempert Supermarket Guru," an online newsletter.
Lempert writes that Wal-Mart plans to engage female heads of households with its "Elevenmoms" blog, which provides tips on economizing and invites discussion.
And, according to Lempert, Wal-Mart posts videos about savings — from shoppers — on the Wal-Mart YouTube channel.
That isn't all. The store will use moms as focus groups, and it will text — with permission from shoppers — price rollback alerts.
It all sounds quite modern. Furthermore, the concept is one other retailers ought to adapt and use.


text:
Cheesy Egg Casserole
Total Time
Prep 20 mins
Cook 30 mins
Makes a great family breakfast brunch. You may make this one a day ahead and keep the casserole chilled in the refrigerator until ready to bake. It's especially nice to have this dish prepared and ready to place in the oven for those hectic, hurried holiday morning breakfasts. Recipe from Southern Living magazine, January 1986.
Ingredients Nutrition
- 1⁄4 cup all-purpose flour
- 1⁄4 teaspoon salt
- 1⁄4 cup butter or 1⁄4 cup margarine, melted
- 4 eggs, beaten
- 1 cup cottage cheese
- 1 (4 ounce) canchopped green chilies, drained
- 8 ounces shredded monterey jack cheese (2 cups)
- 1 (4 ounce) jarwhole pimientos (optional)
- green pepper (optional)
- Combine flour, salt, and butter in a large bowl.
- Add next 4 ingredients; mix well.
- Pour mixture into a lightly greased 10x6x2" baking dish.
- Garnish with pimiento and green pepper, if desired.
- Bake, uncovered, at 375° for 30 minutes.
Most Helpful
I added mushrooms, a few slices of bacon (crumbled), and green onions, as well as a little bit of spicy brown mustard (about 1 to 1 1/2 tsp.). The dish really tasted fine, but unfortunately, nobody cared for the texture.
This is very good and easy to make. I added fresh chopped tomatoes.
This is a tasty casserole. I omitted the flour. I made a crust of cooked, sliced potatoes. To the crust I added cooked bacon and some broccoli. Then the remaining ingredents were added. It's a company keeper. Thanks for a great recipe.


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Srey Leak, 11 years old, lives near the port in the bustling town of Sihanoukville. Her parents make their living from selling fish and Srey often used to help them. She recently dropped out of school to help earn some money for her family.
M'Lop Tapang's mobile library team met her two years ago when they provided weekly education sessions on a fishing platform in a remote part of the fishing village. M'Lop's social workers assessed her needs and immediately found out she was not attending school. They also found out that she had an ear problem and her parents could not afford to send her to a doctor.
The social worker referred her to the M'Lop Tapang clinic were staff treated her with antibiotics for an ear infection. M'Lop's Back-to-school team met her and her family and helped her return to school. M'Lop met her teachers and director of the school and over time managed to help her reach the appropriate grade. Srey was provided with school uniforms, shoes, school bags and learning materials, as well as M'Lop's education team monitoring her attendance daily. She is now in Grade 3.
She loves drawing and playing sport, and when she grows up she would like to be a nurse and help improve the healthcare situation in her community.
M'Lop's mobile library is an excellent referral point for thousands of children in the Sihanoukville area, processing daily referrals of children back into education and training and for medical services, which are also available to their carers.
Project Reports on GlobalGiving are posted directly to globalgiving.org by Project Leaders as they are completed, generally every 3-4 months. To protect the integrity of these documents, GlobalGiving does not alter them; therefore you may find some language or formatting issues.
If you donate to this project or have donated to this project, you will get an e-mail when this project posts a report. You can also subscribe for reports via e-mail without donating.
We'll only email you new reports and updates about this project.


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Tight end is still in pain but acknowledges the importance of Sunday's game.
The tight end appeared to favor his shoulder when bracing for contact in one-on-one drills.
The Redskins nominated the wide receiver for the NFL honor, for his charitable work both in the community and in Haiti.
Washington is aware of what its most-maligned unit needs to do over the final four games.
"I expect the 69 jerseys to flood the D.C. area; that's what I expect," Francis said.
Jackson gives Kirk Cousins and the Redskins the "home run threat."
Here's how the two teams' strengths and weaknesses affect one another.
Center Kory Lichtensteiger returned to participate in his first practice on Wednesday since being placed on injured reserve on Sept. 27.
'His consistency is not to be taken lightly,' Redskins quarterback says, heaping praise on wide receiver with four games remaining in contract year.
The Redskins had 13 players either miss practice or were limited on Wednesday.
Washington Redskins tight end Jordan Reed took part in some individual drills after missing the last week with a separated shoulder.
The Redskins will face the Eagles in their second meeting on Sunday.
Mike Jones offers clarity on everything from who's responsible for those goal-line fade calls to whether Joe Barry is doing a good job.


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- Description
All work and no play make twill a dull fabric. So we jacked these khakis with fresh threads and an updated fit for town–to–trail versatility. Soft organic cotton makes them all–day comfortable, polyester adds rugged punch, and there's a dash of spandex stretch for active movement. The fit is modern – somewhere between slim and relaxed, and everywhere you want to be.
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Failure of High-Flying Banks Shakes Venezuelan Economy
By JAMES BROOKE,
Published: May 16, 1994
CARACAS, Venezuela— In Latin America's worst banking crisis of the free-market 1990's, a string of failures since January has left half of Venezuela's banking industry in the hands of the Government.
Venezuelan taxpayers face a $6.1 billion bailout bill, as the Government props up nine banks, including Banco Latino, the nation's second largest. More banks may fail as inspectors unravel a five-year-long banking spree generated by deregulated interest rates and minimal Government supervision. This often resulted in banks offering rates for deposits that were far higher than were justified by loan demand.
"Eighty to 90 percent of the banking system is compromised in this catastrophe," said Oscar Garcia Mendoza, president of one of the strongest banks here, Banco Venezolano de Credito. "If you don't have policemen on street corners, bankers will run red lights."
The costly bailout is contributing to political instability. And while fugitive bank directors enjoy comfortable overseas exile, Venezuelans are paying for the bank failures with high inflation, reduced government services and shrinking economic activity.
For Venezuela's economy, today's financial crisis is roughly 10 times as severe as the failure of savings and loans institutions in the early 1990's was to the United States. The $105 billion savings and loans bailout represents 1.6 percent of the United States' gross domestic product and 7 percent of the projected 1995 Federal budget.
By contrast, Venezuela's $6.1 billion bailout represents 11 percent of Venezuela's gross national product and 75 percent of the Government's 1994 national budget. Banco Latino had 1.2 million depositors -- about 10 percent of Venezuela's adult population.
By setting interest rates far higher than sound banks, Banco Latino lured many depositors, then used the funds to build a lavish headquarters, charter jets for each director of the bank, throw lavish parties and make loans to insiders.
"There was absolutely no supervision," one American banker here said, reviewing the collapse. "The regulators weren't trained. They didn't have a budget."
Late last fall, when Banco Latino officials began to realize that their house of cards was collapsing, they started transferring hundreds of million of dollars overseas. In the final frenetic days, one bank director foresaw judicial orders on freezing assets and sold his million-dollar mansion, Another officer, Folco Falchi, the bank's coordinator for international investments, was reportedly seen loading suitcases stuffed with dollars into his corporate jet on the Caribbean island of Curacao.
After the authorities padlocked Banco Latino on Jan. 14, bank officers, operating from offshore refuges, entered the bank's computer elecronically with a modem and erased and altered thousands of records.
At the time, Venezuela's Superintendent of Banks, Roger Urbina, was buying race horses in Argentina. He decided not to come home. Guidelines Ignored
At the Deposit Guarantee Fund, Venezuela's equivalent of the Federal Deposit Insurance Corporation, Esperanza Martino, the president, apparently got the job in 1990 because she was married to the chief bodyguard of President Carlos Andres Perez, who was impeached last year for misuse of Government funds. Despite her training as a lawyer, the director ignored guidelines and concentrated almost half of the money for banking emergencies in only two of Venezuela's 47 banks: Banco Latino and a bank that collapsed in February.
The two regulators resigned on Jan. 21. Without displaying any urgency, Venezuela's Senate waited for three months to ratify their replacements. One legislator, Pablo Medina, charged that Congress's reluctance to investigate Banco Latino stemmed from past generosity by the bank's public relations department. With a $3-million-a-month budget, the department reportedly paid the bills of Banco Latino credit cards furnished free of charge to 36 congressmen.
Venezuela has no tradition of punishing white-collar crime. Three bank failures in the late 1970's resulted in one officer being jailed for one year.
In the Banco Latino case, a criminal court judge issued 83 arrest warrants in early March. The list was apparently prepared by copying names out of the bank's most recent annual report. The following week, the judge excused herself from the case, but left the arrest warrants standing.
Four months later, only 6 of 83 suspects have surrendered. Virtually all the others are believed to be abroad.
Venezuelans, displaying little confidence in their banking, legal or political systems, keep some $50 billion in foreign banks. Deposits in Venezuelan banks total only $12.7 billion. Venezuela's dollar reserves have dropped by 25 percent since the start of this year, a hemorrhaging that was worsened by the Banco Latino crisis.
The gigantic problems in Venezuela's small banking sector have their roots in a free-market change adopted by Mr. Perez when he was president: the freeing of Government-regulated interest rates.
"Free interest rates were adopted in 1989, but banking supervision was not adopted until 1994," Tesalio Cadenas, Venezuela's new Superintendent of Banks, said in an interview here. "That gap was responsible for the Banco Latino crisis."


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BofA/Dynasty09 Dec 2010
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BofA sues ex-wealth advisers over client data
Michael C. Brown, Charles F. Britton, Marcus Wilson and Amanda Kerley, who recently joined Dynasty Financial Partners from Bank of America's U.S. Trust unit, were on Wednesday sued by their former employer.
The quartet were accused of taking client records, possibly including clients' bank account identification and names of advisers, to their new employer in a "coordinated attack".


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Safe pet home visits & vet checks are required. For this reason, we only adopt locally - in the Dallas area. For more information about our rescue organization and our available pets, please visit http://www.takemehomepetrescue.com


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Skip to comments.Report: Owners of Foreclosed Homes Steal Appliances, Leave Houses in Disarray
Posted on 02/04/2009 8:50:28 AM PST by LibWhacker
Some owners of foreclosed homes are stealing appliances and leaving the houses damaged and in disarray, MyFOXOrlando.com reported.
Realtors complain the trashed houses are harder to sell.
Homeowners upset at banks that are forcing them out have been hauling items from their houses and selling them, the station said. They're also damaging walls and floors.
(Excerpt) Read more at foxnews.com ...
Don't they own most of the appliances they are "stealing?"
Gee, people who took out mortagages they could not afford are now stealing?
Color me surprised/sarc
Why can they not be charged with vandalism?
Not if it's a stove, dishwasher, etc. Anything that is a permanent attachment to the house.
So people are pissed off at the fact that they bought a home they couldn't afford. Then are now asked to leave when they dont make the payments???
Unbelievable, people never cease to amaze me.
Obviously people that should never have been given a loan in the first plac.
We need a Foreclosure Guy. ..similar to the famous Looter-Guy?
Sure do, I would say 20% is low. They take anything that is salable with them. Just doing the jobs Americans won't do.
>> Dont they own most of the appliances they are stealing?
By definition, if they "steal" them they didn't "own" them. ;-)
I don't think they're talking about refrigerators, microwaves and such.
I think they're referring to dishwashers, range/oven, garbage disposer, and so forth that are built in and need to remain in the house.
This is nothing new. People who lose their houses usually trash the place, steal the light fixtures and appliances. Often times they bought the houses with the appliances installed and so therefore the appliances, light fixtures, etc., were financed in the loan as they are considered part of the real estate. I've seen people tear out dry wall, bust windows, rip out toilets, leave food strung throughout. You name it.
>> They take anything that is salable with them.
When this sort of thing happened back in the '80s, they would dig up the trees and bushes out of the yard! Pure destructive spite.
No, that would be things like ovens, fixtures, etc. that they are absconding with that were built into the home and are actually owned by the mortgage holder until the home is paid off.
Just like the libs in the Clinton administration when they vacated the WH for GW.
No, the bank owns them (and the kitchen sink)!
I bought foreclosures in the last market downturn. I went into one house where they had removed all the copper pipes and the cabinets and had taken a chain saw and cut five-foot holes in all the wood floors.
Americans didn't used to be this way.
This mentality was created by liberalism.
Because what they're doing is not illegal.
As long as they own the home, they may wreck it to their heart's content. However, once the forclosure clears and the bank owns the home, then this activity becomes vandalism.
The way to end this nonsense is for a bank to stop the foreclosure after the owner severely trashes the place. Then the owner gets to stay in the mess he created.
Childs play. Put 100 pounds of ready mix cement down the main drain pipe. Now thats revenge!
This is nothing unusual. A number of mortgage companies have partnered with non-profits to allow homeless people to stay in their foreclosed properties until they can sell them. Just wait until they see the damage left by the squatters once they try to kick them out.
Being in real estate, this is why I never ever broker repos....yes there are some deals but many are simply trashed properties....that require more repair dollars than the discounted price of the repo.
They have nothing to lose when the house loses value - the bank is the loser. Lots of people never invested a dime in the house - no money down on loans. They lived there for several months or longer, never making a payment and waited for the bank to force them out. What did they have to lose? They had a free place to live!
Well now how would this work. When I bought my house there was a piece of crap stove in it, I couldn't even sell it on craigslist. I replaced it with a top of the line beautiful stove. If I move I swear the new stove comes with me!! I will put in another piece of crap. Obviously telling the buyers the stove comes with me. Does the mortgage company own my stove??
Yes back in the 80's I would meet the sheriff at these places and a locksmith. The former owners or renters, rip out all the wire too and in some instances, rig shotguns to go off when you open the door. I never saw so many frightened locksmiths in my life, lol
"Why can they not be charged with vandalism?"
Because they can say that they did the damage prior to the foreclosure. They are still the owner of record up and until the foreclosure paperwork is recorded.
You can't be prosecuted for damaging something you own. The bank doesn't own the home, they own the mortgage - with the home as collateral. The home doesn't become the property of the bank until the judge in the foreclosure proceeding says they are the owners. So, by law, the people can't be prosecuted for destroying their own property.
As an aside, this foreclosure mess is a untended consequence of deregulation. Back in the day, these banks would have been much more willing and able to send the mortgage through a loan work-out procedure. But, with the "securitization" of the mortgage business, there is no relationship between the home owner and the "paper holder".
We should go back to the days where the loan is originated locally and managed and owned locally. The result would probably be fewer mortgages, but they would be much, much more financially sound mortgages - only given to people that can afford them.
Bankruptcy and foreclosure are just another of the "old fashioned" taboos that have gone by the wayside.
I would think I own mine. I bought them at Best Buy last year.
Yep...I used to clean out abandoned VA and HUD homes for realtors as a weekend job to earn extra money when I was raising my kids, this is absolutely nothing new.
Moveable items like washers, dryers, refrigerators and freezers, yes. Attached items like ranges, dishwashers, light fixtures, thermostats, central AC units, garage door openers, no.
One house I just put into contract had all of the above removed, as well as a gas fireplace (left a big hole in the family room wall).
Not if the mortgage company is paid in full with the sale.
What did they expect...that these folks would have the house cleaned top to bottom for the bank to re-sell?
"Americans didnt used to be this way."
I don't consider these Americans. Or even human.
Just savages. With an attitude.
Thanks, as you say, to the weak, coddling liberal mentality.
Virtually EVERY property shown (we were looking at foreclosures only) was damaged. Light fixtures, kitchen cabinets, any and all appliances ripped out of walls. It seems for the last 3-6 months the former occupants lived there, their level of frustration and hate was taken out on the banks via trashing the property.
There is a silver lining though. Most of the damage is cosmetic, and appliances are really cheap on craigs, (probably the same ones taken out, lol).
Figure the cost of renovation and appliances, double it, (for labor) and subtract from the already low price. Many banks agree on the offer rather quickly.
We got a pretty good deal on our purchase. PITI is less than the going rate for rentals in the area.
It's not a bad thing to have nice things. I want to have nice things, but that doesn't mean I can afford to have them! I live within my means and try to better my situation so I can AFFORD to have the things that I want. That's the only thing I can do.
All because you "want" something doesn't mean you are entitled to it.
Still child's play.We've had people here turn off the heat,open the windows and let the tub run over.Ice builds up until the floor collapses into the basement.
Look at who these homes were being "sold" to. I guarantee they would have left a rented apartment in the same condition. They probably didn't trash it when they left. Truth be known, that's what they were living in.
I'm surprised they weren't yanking out the plumbing and wiring to sell the copper.
Technically, they own at least a level of interest in it that equals their prior stove. Of course, if you sell the home, or pay it off and keep it, then they own none of it, as you will have paid them in total.
Well, gee whiz! Go figure. Whoda thunk?
Our daughter and her husband just bought a house in NoVA. Almost everything they looked at had been trashed. In one house the water had been left on to flood the place and mold was everywhere. These were not cheap homes either.
why shouldn't they?
you should see how NOT helpful the banks are with their alleged work outs.
The new loan payments are often HIGHER than the original because they banks tack on the forclosure expenses and do not account for the inflated appraisal at the closing.
The banks should just allow "occupant short sales".
IF the home is going to be shorted for 1/4 of its loan value, then just allow the current occupant to do a "new buy" at the REALISTIC value of the house.
The bank gets its write off, the owner/occupant gets their house they asked for (old chinese curse, may you get all you ask for)
The banks are being penny wise and pound foolish. Then again that is how the banks came to hold their hands out.
As a landlord, that is one of my nightmares. I will not post the rest of them.
I am a contractor; one of my customers purchases reposessed homes. Probabaly 70% of the people purposely trash the homes on their way out. There are usually holes in every wall and oor in the home, they scratch countetops and tubs, we have been greeted with fesces on the walls, frozen pipes, writing on walls with blood..... such a nice class of people.
Why does it work that way, when car loans require the lender to have the title?
That's a good point. We did the same thing. When we sell the house, the dishwasher, fridge and stove are either going with us or the new owner will have to pay for them.
"Let them touch those things for once."
Make it known that you intend to keep the stove when you list your house, and most importantly, write it in the sales contract.
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