Daniel McCree.Org Newsletter: June 2012 MetroEast NEWS:
JUNE 2012 MetroEast NEWS is now Online.
Friday, June 15, 2012
Friday, January 6, 2012
Wednesday, October 26, 2011
Gnome Love Goes on And On~
www.DanielMcCree.Org
A note from the Editor:
At the moment, I will be "On a Journey" that has by some accounts been in the works for several years. I find the most difficult part of traveling is being away from the tunes that are the soundtrack that reminds me again and again, the vine grows. And much like any vine we generally find it a both unwieldy and determined. For several months now I have enjoyed this tune, but haven't shared it as of yet. Since I will be in LosAngeles the next few days traveling with the Choir from MCC, I thought while im out would be a great time. The moment I encountered "The Weepies" I knew I had stumbled upon a spirit I knew. And Like Daniel, it is most likely going to change you. So enjoy, and may blessings be upon each of you~ The D vine
A note from the Editor:
At the moment, I will be "On a Journey" that has by some accounts been in the works for several years. I find the most difficult part of traveling is being away from the tunes that are the soundtrack that reminds me again and again, the vine grows. And much like any vine we generally find it a both unwieldy and determined. For several months now I have enjoyed this tune, but haven't shared it as of yet. Since I will be in LosAngeles the next few days traveling with the Choir from MCC, I thought while im out would be a great time. The moment I encountered "The Weepies" I knew I had stumbled upon a spirit I knew. And Like Daniel, it is most likely going to change you. So enjoy, and may blessings be upon each of you~ The D vine
Friday, July 22, 2011
Sunday, January 9, 2011
MetroEast NEWS: Granite City Celebrates Construction of 20 New Hom...
MetroEast NEWS: Granite City Celebrates Construction of 20 New Hom...: "www.BellevillePride.com By: Colby Kluthe/ MetroEast NEWS January 2, 2011 (GRANITE CITY) 20 New Construction Homes are completed in Grani..."
Monday, October 26, 2009
Credit Builder Workshop -- Nov 5th
http://www.colbykluthe.com/ on behalf of http://www.justinepetersen.org/
Credit Builder Workshop @ Urban Cafe Studio
Host:
Justine Petersen
Thursday, November 5, 2009
7:00pm - 10:00pm
Location: 2815 North 14th Street
St. Louis, MO 63107
Description
Join the Justine Petersen Credit Club on NOV 5th @ Urban Cafe Studio (FREE WORKSHOP)No reservation required BUT encouraged
RSVP via Facebook or email @ kschell@justinepetersen.org
http://www.facebook.com/JustinePetersenORG
Credit Builder Workshop @ Urban Cafe Studio
Host:
Justine Petersen
Thursday, November 5, 2009
7:00pm - 10:00pm
Location: 2815 North 14th Street
St. Louis, MO 63107
Description
Join the Justine Petersen Credit Club on NOV 5th @ Urban Cafe Studio (FREE WORKSHOP)No reservation required BUT encouraged
RSVP via Facebook or email @ kschell@justinepetersen.org
http://www.facebook.com/JustinePetersenORG
Wednesday, September 2, 2009
Credit report can‘t show half a mortgage
www.ColbyKluthe.com
Credit report can‘t show half a mortgage
http://www.experian.com/ask_max/max090109a.html?rss=1
Dear Experian,
My son in-law and I purchased a house together in only his and my name. Can I contact the credit bureaus and let them know that only 50 percent of that dollar amount is my responsibility? That way I would have a lower credit ratio.
- RAE
Dear RAE,
I am afraid you can‘t do that. When you sign a joint contract you aren‘t agreeing to pay half the amount. Instead, you are both agreeing to pay the full amount. By signing on the dotted line, you told the lender that if he doesn‘t pay the loan, you will – the full amount, not just half. There is no such thing as half a mortgage, because you can‘t own half a house.
The typical reason for you to share the loan obligation is that your son in-law very likely did not have a sufficient credit history or income to qualify for the loan by himself. The risk that he would not be able to repay the debt alone was too great for the lender to approve his application without the security of having you share responsibility.
You should never take signing your name on an account lightly, even when family members are involved. Whether is it for credit cards, apartment rent, phone service, or a house, it doesn‘t matter who actually uses the service. You have total responsibility for the entire amount.
Thanks for asking.
- The ”Ask Experian“ team
Credit report can‘t show half a mortgage
http://www.experian.com/ask_max/max090109a.html?rss=1
Dear Experian,
My son in-law and I purchased a house together in only his and my name. Can I contact the credit bureaus and let them know that only 50 percent of that dollar amount is my responsibility? That way I would have a lower credit ratio.
- RAE
Dear RAE,
I am afraid you can‘t do that. When you sign a joint contract you aren‘t agreeing to pay half the amount. Instead, you are both agreeing to pay the full amount. By signing on the dotted line, you told the lender that if he doesn‘t pay the loan, you will – the full amount, not just half. There is no such thing as half a mortgage, because you can‘t own half a house.
The typical reason for you to share the loan obligation is that your son in-law very likely did not have a sufficient credit history or income to qualify for the loan by himself. The risk that he would not be able to repay the debt alone was too great for the lender to approve his application without the security of having you share responsibility.
You should never take signing your name on an account lightly, even when family members are involved. Whether is it for credit cards, apartment rent, phone service, or a house, it doesn‘t matter who actually uses the service. You have total responsibility for the entire amount.
Thanks for asking.
- The ”Ask Experian“ team
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