I've been collecting tools since 1973. I've been buying tools as needed since 1973 to work on my own vehicles. Last year I bought a new truck then a couple of weeks later I went to the parts department and asked to purchase a factory service manual only to find out they don't sell a service manual for my new Nissan Frontier, because I'm not allowed to work on my own vehicle. Every service has to be verified by their computer. About six weeks ago a warning came on my dash saying change the engine air filter, and press the enter button on the steering wheel to clear. Every time I start the truck the warning comes back. I'm going to have to pay them to reset my truck's computer. Now I have a rollaway and top box full of tools that is completely useless to me. I should have done more research before purchasing a new vehicle.
Home grown Home grown tomatoes taste so much better than store bought. A couple weeks ago I bought some beautiful tomatoes from the store to make a tomato sandwich. They were a big disappointment. Absolutely no flavor. Today I picked my first home grown of the year. It was sweet and delicious. Tomorrow I am making me a tomatoe sandwich.
Ungrateful people. The other night I drove up to a Burger King drive through. A guy approached my passenger window and asked could I buy him some food so I told the clerk to add a cheeseburger and fries in a separate bag. I told him that I ordered him a cheeseburger and fries, he says I want a whopper, I said sorry I've already placed the order. He walked away. WTF?
Santa Ynez reservoir. The power company knew several days in advance of a possible situation.
Google said:
The amount of water that can be pumped from Lake Cachuma to Santa Ynez in a day varies depending on water availability and current needs, but typically ranges around several thousand acre-feet per day, with releases often managed in the range of 100-200 cubic feet per second (cfs) which translates to roughly 200-400 acre-feet per day depending on the flow rate.
Spam and Robocalls I was getting about 30 calls a day on my Android until I found a free app called ( # Call Blocker ). I set it to accept only calls in my contacts. Anyone else can leave a message. It doesn't interfere with your messaging. It works for me because I don't use my phone for business.
What is a zombie 2nd mortgage? "Zombie" mortgages are mortgage debts that you might have thought were forgiven or satisfied long ago but that still exist.
Old debts can be written off by the lender and sold for pennies on the dollar to debt collectors. Sometimes the mortgage company goes silent and stops sending statements or communicating with you altogether. Years later, a debt collector reaches out to collect on the debt. Because these mortgages seem to reappear after being considered "dead" or gone for so long, they're sometimes called "zombie" second mortgages.
Why did some borrowers have second mortgages on their homes?
Before the Great Recession in 2008, mortgage lenders sometimes gave borrowers two mortgages for the same property, instead of one. For example, a primary mortgage (recorded in the courthouse first) might cover 80% of the purchase price, and a second mortgage (recorded in the courthouse after the first mortgage) covered the remaining 20%. Sometimes the second mortgage was taken out as a home equity loan after the house was purchased.
As the Great Recession hit and home values shrank along with the economy, some people had trouble making mortgage payments. When a borrower defaults on a second mortgage, the mortgage holder can sometimes start foreclosure even if the borrower is current on the first mortgage. But, for business reasons, some second mortgage holders charged off their defaulted loans as uncollectible and stopped communicating with borrowers. Some sold the loans to debt buyers without telling the borrower. Some borrowers, because they received no notices or periodic statements for years, thought their second mortgages had been modified along with the first mortgage, discharged in bankruptcy, or forgiven.
Now, years later, as borrowers have paid down their first mortgages, some are hearing from companies that say they own or have the right to collect on a long-dormant second mortgage. As property values rise, mortgage holders who bought these second mortgages-and their debt collectors-are threatening foreclosure and other collection actions. Some of these debt collectors demand the outstanding balance on the second mortgage, plus fees and interest, and some threaten to foreclose if the borrower does not or cannot pay.
