I’m looking to purchase the vacant lot next to my house but need advice on types of loans. Do banks even loan for vacant property? I have some cash but not enough to buy it outright.
I’ve talked to the neighbor who is selling the lot and we’ve tentatively agreed on a purchase price of $50k. My income and credit should easily support this price, I just need advice how to best finance it.

I currently have a mortgage on my home but I just recently purchased it and it is approximately at 80% LTV (based on an appraisal 5 years ago)
I own a second home which my parents live in (they lost theirs to foreclosure so I purchased a home solely for them). This property has a mortgage of about $55k on it with an unknown value - last appraisal was done about 10 years ago. I’m guessing it might be valued around $150k now.
Side note, I’ve been considering a $15k home improvement loan on my parent’s property to redo their floors but have no idea if I could finance that together?

Welcome your questions and appreciate any advice you all might have. TIA!

@dangeruss Found it! https://www.booksamillion.com/summerreadinginfo

@mrsguin said in Free Pair of Crocs for Medical Workers - 20,000 Per Day at 12pm:

@my4mainecoons I need to also thank you for being a medical worker. You guys/girls take too many chances.

Thanks. Firefighter/Paramedic here. When you are aware and take precautions it’s “just another day”. People need us and that’s why we do what we do. Or maybe we’re just too stubborn to let a pandemic stop us LOL

Finally snagged a pair! Don’t know if it will help anyone else, but if it does, here’s my story.

I’ve been trying daily since this promo started with no luck. One day I found I could “get in line” as early as 9am (Eastern)… They automatically place you “in line” when the promo starts at Noon (Eastern).

So for a few days I clicked early and let them place me in line. Sadly, I was thinking I’d be placed near the front of the line. Actually on those days, the bar which shows the queue hardly ever moved.

Today, I was working and distracted most of the morning. By the time I realized it was Noon, I rushed to click the “get in line” button. It was 12:01 and I thought they would be all gone for the day. Nope! I was placed “in line” and within a minute or so the bar started to move. At 12:15, it reached all the way to the end and I was presented with a form to complete. A confirmation email was received a little while after that.

To all of you who are still trying, I wish you good luck!

A few years back with the real estate boom, my area in FL was one of the top growing areas in the country. Then, when many could not pay for their homes when the bubble burst, they simply abandoned properties. The following is my understanding which relates to my area, check with your local county though.

When you abandon a property, the taxes continue to accrue and you are liable for them. However, at some point, the county will want their money and they are able to sell your home to the highest bidder. (My county still does this on a weekly basis!)

When the property sells at auction, you no longer own the home and therefore no longer held liable to pay any back or future property taxes.

The highest bidder wins, and now owns, the property. The back taxes/fees are paid from their bid. Sometimes the winner pays as little as just the balance of the taxes plus auction fees! Any overage though is paid to other lien holders. If there are no other liens, the person who abandoned the property is entitled to the overage paid at auction. (They’d have to track it down though, they are not usually contacted to claim it.)

The new owner now may be responsible to pay any other liens on the property, including mortgage, if the winning bid was not high enough to cover it all. However most will find a good lawyer and have the liens cleared so they can have a sellable title - then they flip and sell these properties.

Not knowing the area where you live and how much is owed vs. market price, I don’t know that I can share advice. If I were in your position and the home was in my area, I’d sell the house and walk away with (hopefully) some money in my pocket. Best wishes to you however you choose to move forward!

Amazon is now giving priority to hospitals and government organizations for COVID-19 related supplies. This includes face shields, thermometers, protective gloves, face masks, surgical gowns, and sanitizers.

To request access for these essential supplies, one must contact Amazon with their organization information and a customer advisor “will be in touch.”

https://www.amazon.com/b?node=21152222011&ref_=b2b_sow_dp_cv19

@mrvietnam said in Official Recyclebank Master Thread:

@ctgolfer said in Official Recyclebank Master Thread:

03/25/20 - as much as 150 points - https://livegreen.recyclebank.com/earn-points/sustainable-spring-cleaning

3 out of 5 correct will net you 100 points.

5 out of 5 correct is 150 points

Amazon is sending me emails and ads on their site encouraging me to sign up for Amazon Business. I’m not seeing a whole lot of details about it and why it might be beneficial. Do any of you have experience and could offer advice about this? TIA

@connman said in Official Recyclebank Master Thread:

Looks like today’s QotD didn’t give any points…I emailed support to let them know.

Same here. Said Points Earned before I even did anything and did not award points after answering question.

Thank you all for your replies!