Those of us who choose self employment also pay a penalty for not being able to be a part of a large group with reasonable health insurance premiums. Our health insurance premiums for 2 people is over $1,000 a month. If you have ever had ANYTHING....ie high blood pressure (who hasn't if you are over age ___) you will not be accepted by any reasonable without a ton of exclusions....and those are among the primary reasons you need coverage !
We are seeing more and more SHORT SALE seller candidates forced to consider a short sale due to mountains of medical bills. Medical bills should be carefully examined before they are blindly put on the "payable some day" pile. Hospitals and other medical suppliers are quick to put liens on homes...and not as quick to have you make sure that all the charges are legitimate. In our own family we have had many bills charged that were less than ethical...removal of a pacemaker never exisited, weeks of psychological counseling for someone in a coma, oxygen, meals and private room charges for someone DOA (dead on arrival) in the ER. While analysis and indeed dispute of these charges may not save a seller from a short sale...it will lessen the financial burden. Make sure when you tell the doctor, hospital etc. that you send a copy to the state licensing board as well.
If you find yourself buried in medical expenses and may not be able to keep the business or the job you once had....you may be a candidate for a short sale...Or maybe with enough equity in your home,you can downsize...not getting the price you wish you could...but reducing unwanted and unneeded overhead. A GOOD realtor,...and short sale specialist will not tell you that a Short Sale is your only remedy...if may or may not be and that won't be known until you discuss the entire situation with a short sale specialist in your area...
Call us...toll free..877-525-0563 from anywhere in the country and we will refer you to a LOCAL SHORT SALE SPECIALIST. They will discuss your options and alternatives as well as be able to list your home if that is the best choice for your own health....physically and financially.
Sally K. & David L. Hanson, ABR, CDPE, CSS, e-Pro,ILHM, REDS
Sally and David,
...this is almost a point of shame for this country. Let's hope things get better.
Best of the holidays,
Steve
Obeoman
Agreed,,,,sometimes we worry and pay sooo many other countries bills we forget about the people at home who need help the most. Happiest of holidays to you Steve...Cholatini or the beverage of your choice always ready and waiting !
Sally
Everthing is since Country has a parking meter attached to it
Tom Braatz