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zeynepxturkmen · 10 months

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ZEYNEP "ZEYNO/HERO" SILA TÜRKMEN

age: 31.

gender & pronouns: nonbinary & she (primary)/they (secondary).

neighborhood: university heights.

occupations: owner of the comic lab and owner of a hero's journey.

fc: özge özacar.

HER STORY

trigger warnings: cheating, teen pregnancy, mental health, post-partum depression.

Cemre and Kerem Türkmen always knew that they wanted the best for their daughter. That they wanted her to grow up strong, connected to her roots but also have the love to fly. When Zeynep came to their lives, they knew that they loved her more than anything else in the world. They just didn’t realize that their daughter was going to experience quite an adventure as she grew up. For the longest time, they thought that the most adventurous thing they’d explore with Zeyno was her sexual orientation, something she discovered herself when she was thirteen. Alternating living between their home country of Türkiye in İstanbul and Boston, Massachusetts, they had struggled for a while learning about her gender identity and it resulted in her being sent to an international school in Dubai. For a while, Zeyno absolutely hated the school. Yet somehow, over time, it grew to not become too bad and it certainly helped her with her English. She even eventually started seeing someone when she was sixteen.

Falling in love for the first time was one of the simplest yet most beautiful things she’d ever experienced. While she hadn’t been expecting him, she knew that she wanted to spend the rest of her life with him. Even when she told him about her sexual orientation, he only seemed to love her more and more. With both of their parents’ permission and blessings, they were set in an arranged marriage and promised to each other. Everything was going perfectly… Until news of Zeynep’s pregnancy came out.

Zeynep and her fiancé had just finished graduating from high school, the two ready to start university in the autumn and work even closer to starting their life together. But the moment their parents found out that she was pregnant, they were furious. Her meant-to-be-future-in-laws accused her of sleeping around and cheating on their son. In the midst of it all, he had panicked and said that he wasn’t the father, leaving her heartbroken. The engagement was called off, she was forced to say goodbye to the person she loved, and under a lot of scrutinizing pressure, Leticia’s parents cut her off. Giving her enough money so that she’d be comfortable for a while then giving her the slip.

She felt lost in it all. At eighteen years old, she was completely removed from everyone she loved and everything she knew. Having meant to start school at Harvard, she moved out to Boston as quickly as possible. Trying to prepare everything she could before her babies—yes, babies; Zeynep was pregnant with twins—were meant to come and school was to start. With the money her parents gave her, she was able to find a small apartment that worked yet saved the rest of the money to go towards the babies. She’d been quick to get a job, trying to earn enough money so that she could be able to provide for her children. Soon enough, her twins, Leia and Luke (after her favourite Star Wars characters), came into her life.

By then, she had a steady job at Barnes and Noble while also taking a few night classes for her Creative Writing and Theater majors. Eventually, as the years went by and her daughters grew up more and more, the more she continued her schooling and the bills began to pile up, Zeyno took on a second job at a movie rental shop (the beautiful days before streaming became a convenience). She graduated from Harvard and while she had been blessed with many scholarships and grants, there were still loans to be paid. Her children had been the only light in her life. After what happened, she struggled over connecting with others romantically. She slept around a lot, using them the same way they used her to forget her struggles for a while. Then, she met someone rather unexpectedly.

Zeynep (or Hero, the alias they used online and with others in the queer community) was newly 21 and her friends (well, the few friends she had) believed that it was time for her to have some fun and live life a little. With being able to come up a plan to make that a reality and for the twins to be taken care of, she was dragged out to Las Vegas for a couple days. No responsibilities, no worries about the future; Just a young adult being given the freedom to do whatever the hell she wanted. Okay, sure, she struggled high-key with it at first. The urge to check on her children always just too strong. Yet, she soon met someone. At first, it was meant to be a short, 24 hour romance that went nowhere. Just someone who touched her soul and then they both went on their ways. Now, imagine their surprise waking up next morning and discovering that, not only had they fallen asleep together, they had also gotten married at some point during the past 24 hours. Zeynep was freaking the fuck out, trying to figure out how she can annul this without ever letting her kids find out. After awhile, though, they both calmed down. And brewed one of the most insane ideas in the world: what if they stayed married for the next year and see what happens next?

It was batshit crazy and Zeyno stated so. Of course, she was in. That is, until she heard the rest of her semi-partner’s idea: they moved to her partner’s hometown in Colorado. She had her children. They had a life in Boston. She was being looked at for a promotion at Barnes and Noble. How fair would it be to uproot everything for a person she’d only been married to for, what, twelve hours? She wasn’t onboard at first and even stated so. But… she’d be lying if she said she wasn’t tempted. The idea of a fresh start… Her children growing up with another parent… The potential of being a family… She couldn’t resist finally. And in November 2012, the move was made from Boston to a townhouse downtown with her new partner.

In all honesty? It was an incredible struggle at first. She fortunately had been able to get an assistant manager position at the Comic Lab and the twins adjusted better than expected. Yet it was Hero who struggled to adjust for the longest time. She couldn’t find it within herself to settle, struggling to make friends in Providence Peak and challenging her partner the best she could. Pushing their buttons and ready to piss them off. Surprisingly, though? They were supportive and understanding. The last time she had experience that had been with her ex and she soon admitted to them about what happened. Nothing could express the amount of support and care she received. After awhile, things got easier. Then a year went by and they had a vow renewal. Fully cementing their commitment to each other and embracing their love together.

Over the years, her partner adopted Luke and Leia, becoming not just their stepparent, but their parent completely. Six years went by and they were then joined with Meg, named after Zeynep’s favourite Disney character, Megara. For a moment, things were good. But after awhile, her mental health began to struggle as she began to deal with post-partum depression. Nothing was going right between her and her partner, a rift soon growing and growing. It was when they left in the middle of night, claiming that they couldn’t do this anymore that she was snapped right out of it. Well, sort of. She was finally able to reached out to her friends for help and received it, especially after hearing the news about her partner.

Over the past six years as she navigated being a (sort of) single parent again, she went back to primarily making sure her children were taken care of, but also trying to have a life as well. She gained ownership of the Comic Lab and as of a couple of weeks ago, she has now opened up a new business located in University Heights right next to the Comic Lab: A Hero’s Journey, a book-and-movie shop that’s conveniently located beneath the apartment she and the kids moved into after her partner left. She’s even tried to dip her toes back into the dating scene, though nothing more concrete has occurred since then.

Despite things not looking like how she expected when she first moved to Providence Peak eleven years ago and despite her failed marriage, Zeynep is admittedly happy with where she is in her life. After all, she has three children who are healthy and happy. She owns two businesses that she’s passionate about. She has friends in town and a life, something she didn’t really have before. What more could she want?

#providence.intro #( about. )#tw: cheating #tw: teen pregnancy #tw: mental health #tw: post partum depression #cheating tw #teen pregnancy tw #mental health tw #post partum depression tw

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dscrloan · 10 months

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DSCR Loan Massachusetts

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helpsinglemothers · 1 year

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Best Housing Programs for Single Mothers With Bad Credit

As a single mother with bad credit, finding safe and affordable housing can be an overwhelming challenge. Fortunately, there are various housing programs available to assist individuals in this demographic. This article will discuss the importance of these programs, provide an overview of the different types of programs available, and outline the eligibility requirements, pros, and cons of each.

What Is Bad Credit?

Before delving into the available housing programs, it's essential to understand what is meant by "bad credit." Bad credit refers to a low credit score or a history of missed or late payments, defaulting on loans, or having accounts sent to collections. Unfortunately, bad credit can significantly impact housing options, making it harder to qualify for a lease or mortgage.

Federal Housing Programs

The Federal Housing Administration (FHA) is a government agency that provides loans to individuals who may not meet conventional financing requirements. FHA loans are especially beneficial for single mothers with bad credit as they offer more flexible credit and income requirements. However, it's essential to weigh the pros and cons before deciding on this option. Other federal housing programs available to single mothers include the Department of Housing and Urban Development's (HUD) Good Neighbor Next Door program and the USDA Rural Development Housing program.

To be eligible for an FHA loan, single mothers must have a credit score of at least 500 and a down payment of at least 3.5% of the home's purchase price. Additionally, they must meet income requirements and demonstrate the ability to repay the loan.

Other federal housing programs available to single mothers include the Department of Housing and Urban Development's (HUD) Section 8 program, which provides rental assistance to low-income families, and the USDA Rural Development program, which offers loans and grants to families in rural areas.

State Housing Programs

State housing programs also offer various options for single mothers with bad credit. These programs provide financial assistance and subsidized housing options to individuals who meet specific eligibility requirements. Each state has its own set of programs, eligibility requirements, and benefits. Some examples of state housing programs include the Massachusetts Rental Voucher Program and the California Housing Finance Agency's Homebuyer Assistance Program.

Eligibility requirements for state housing programs also vary by state, but typically include income limits and credit score requirements. Some states may also require applicants to complete homebuyer education classes.

Examples of state housing programs available for single mothers include the California Housing Finance Agency's CalHFA program, which offers down payment assistance and low-interest loans, and the Massachusetts Housing Partnership's ONE Mortgage program, which provides affordable financing for first-time homebuyers.

Non-Profit Housing Programs

Non-profit organizations also provide various housing programs to individuals with bad credit. These programs offer financial assistance, transitional housing, and permanent housing options to those who qualify. Habitat for Humanity is an example of a non-profit organization that helps families achieve homeownership by offering affordable housing options and low-interest loans.

Eligibility requirements for non-profit housing programs vary by organization, but they typically require applicants to demonstrate a need for housing assistance and a willingness to participate in program activities.

Examples of non-profit housing programs available to single mothers include Habitat for Humanity, which offers low-cost homeownership opportunities to families in need, and Mercy Housing, which provides affordable housing and supportive services to low-income families and individuals.

Other Resources for Single Mothers with Bad Credit

In addition to government and non-profit housing programs, there are other resources available to single mothers with bad credit. Government grants and assistance programs, such as the Temporary Assistance for Needy Families (TANF) program and the Women, Infants, and Children (WIC) program, provide financial assistance for food, healthcare, and other necessities. Private assistance programs, such as the Salvation Army and Catholic Charities, also offer financial and housing assistance. Additionally, improving credit scores by paying bills on time and reducing debt can help increase housing options.

The federal government offers a variety of grants and assistance programs to help low-income families cover basic needs, including housing. Private assistance programs, such as those offered by the Salvation Army and Catholic Charities, may also provide housing assistance to families in need.

Tips for improving credit scores include paying bills on time, reducing debt, and disputing errors on credit reports. Other resources to help single mothers find safe and affordable housing include online housing search engines, community-based organizations, and local government agencies.

Conclusion

In conclusion, single mothers with bad credit face unique challenges when it comes to finding safe and affordable housing. However, there are various housing programs available to assist with this issue. Federal, state, and non-profit housing programs, as well as government grants and private assistance programs, can provide financial assistance, subsidized housing options, and other resources.

#single mother grant #housing #united states

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ballesejersen95 · 1 year

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nicklloydnow · 2 years

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“There is one last hope for the United States. It does not lie in the ballot box. It lies in the union organizing and strikes by workers at Amazon, Starbucks, Uber, Lyft, John Deere, Kellogg, the Special Metals plant in Huntington, West Virginia, owned by Berkshire Hathaway, the Northwest Carpenters Union, Kroger, teachers in Chicago, West Virginia, Oklahoma and Arizona, fast-food workers, hundreds of nurses in Worcester, Massachusetts, and the members of the International Alliance of Theatrical Stage Employees.

Organized workers, often defying their timid union leadership, are on the march across the United States. Over four million workers, about 3% of the work force, mostly from accommodation and food services, healthcare and social assistance, transportation, housing, and utilities have walked away from jobs, rejecting poor pay along with punishing and risky working conditions. There is a growing consensus – 68% in a recent Gallup poll with that number climbing to 77% of those between the ages of 18 and 34 – that the only way left to alter the balance of power and force concessions from the ruling capitalist class is to mobilize and strike, although only 9% of the U.S. work force is unionized. Forget the woke Democrats. This is a class war.

(…)

The Democrats have been full partners in the dismantling of our democracy, refusing to banish dark and corporate money from the electoral process and governing, as Obama did, through presidential executive actions, agency “guidance,” notices and other regulatory dark matter that bypass Congress. The Democrats, who helped launch and perpetuate our endless wars, were also co-architects of trade deals such as NAFTA, expanded surveillance of citizens, militarized police, the largest prison system in the world and a raft of anti-terrorism laws such as Special Administrative Measures (SAMs) that abolish nearly all rights, including due process and attorney-client privilege, to allow suspects to be convicted and imprisoned with secret evidence they and their lawyers are not permitted to see. The squandering of staggering resources to the military — $777.7 billion a year — passed in the Senate with an 89-10 vote and in the House of Representatives with a 363-70 vote, coupled with the $80 billion spent annually on the intelligence agencies has made the military and the intelligence services, many run by private contractors such as Booz Allen Hamilton, nearly omnipotent. The Democrats long ago walked out on workers and unions. The Democratic governor of Maine, Janet Mills, for example, killed a bill a few days ago that would have allowed farm workers in the state to unionize. On all the major structural issues there is no difference between the Republicans and the Democrats.

(…)

The suffering and instability gripping at least half the country living in financial distress, alienated and disenfranchised, preyed upon by banks, credit card companies, student loan companies, privatized utilities, the gig economy, a for-profit health care system that has resulted in a quarter of all worldwide COVID-19 deaths—although we are less than 5% of the world’s population—and employers who pay slave wages and do not provide benefits is getting worse. Biden has presided over the loss of extended unemployment benefits, rental assistance, forbearance for student loans, emergency checks, the moratorium on evictions and now the ending of the expansion of the child tax credits, all as the pandemic again surges. The handling of the pandemic, from a health and an economic perspective, is one more sign of the empire’s deep decay. Americans who are uninsured, or who are covered by Medicare, often frontline workers, are not reimbursed for over-the-counter COVID tests they purchase. The Supreme Court – five of the justices were appointed by presidents who lost the popular vote – also blocked the Biden administration from enforcing a vaccine-or-testing mandate for large employers. And on the horizon, fueled by the economic fallout from the pandemic, are large-scale loan defaults and another financial crisis. The worse things get, the more discredited the Democratic Party and its “liberal” democratic values become, and the more the Christian fascists lurking in the wings thrive.

As history has repeatedly proven, organized labor, allied with a political party dedicated to its interests, is the best tool to push back against the rich. Nick French in an article in Jacobin draws on the work of the sociologist Walter Korpi who examined the rise of the Swedish welfare state in his book “The Democratic Class Struggle.” Korpi detailed how Swedish workers, as French writes, “built a strong and well-organized trade union movement, organized along industrial lines and united by a central trade union federation, the Landsorganisationen (LO), which worked closely with the Social Democratic Workers’ Party of Sweden (SAP).” The battle to build the welfare state required organizing – 76% of workers were unionized – waves of strikes, militant labor activity and SAP political pressure. “Measured in terms of the number of working days per worker,” Korpi writes, “from the turn of the century up to the early 1930s, Sweden had the highest level of strikes and lockouts among the Western nations.” From 1900–13, as French notes, “there were 1,286 days of idleness due to strikes and lockouts per thousand workers in Sweden. From 1919–38, there were 1,448. (By comparison, in the United States last year, according to National Bureau of Economic Research data, there were fewer than 3.7 days of idleness per thousand workers due to work stoppages.)” There are a few third parties including The Green Party, Socialist Alternative and The People’s Party that provide this opportunity. But the Democrats won’t save us. They have sold out to the billionaire class. We will only save ourselves.

Unions break down political divides, bringing workers of all political persuasions together to fight a common oligarchic and corporate foe. Once workers begin to exert power and extract demands from the ruling class, the struggle educates communities about the real configurations of power and mitigates the feelings of powerlessness that have driven many into the arms of the neofascists. For this reason, capitulating to the Democratic Party, which has betrayed working men and women, is a terrible mistake.

(…)

Wall Street banks recorded record profits for 2021. As the Financial Times noted, they milked the underwriting fees from Fed-based borrowing and profited from mergers and acquisitions. They have pumped their profits, fueled by roughly $5 trillion in Fed spending since the beginning of the pandemic, as Matt Taibbi points out, into massive pay bonuses and stock buybacks. “The bulk of this new wealth—most—is being converted into compensation for a handful of executives,” Taibbi writes. “Buybacks have also been rampant in defense, pharmaceuticals, and oil & gas, all of which also just finished their second straight year of record, skyrocketing profits. We’re now up to about 745 billionaires in the U.S., who’ve collectively seen their net worth grow about $2.1 trillion to $5 trillion since March 2020, with almost all that wealth increase tied to the Fed’s ballooning balance sheet.”

Kroger is typical. The corporation, which operates some 2,800 stores under different brands, including Baker’s, City Market, Dillons, Food 4 Less, Foods Co., Fred Meyer, Fry’s, Gerbes, Jay C Food Store, King Soopers, Mariano’s, Metro Market, Pay-Less Super Markets, Pick’n Save, QFC, Ralphs, Ruler and Smith’s Food and Drug, earned $4.1 billion in profits in 2020. By the end of the third quarter of 2021, it had $2.28 billion in cash, an increase of $399 million in the first quarter of 2020. Kroger CEO Rodney McMullen made over $22 million, nearly doubling the $12 million he made in 2018. This is over 900 times the salary of the average Kroger worker. Kroger in the first three quarters of 2021 also spent an estimated $1.3 billion on stock buybacks.

“Kroger is the only employer for 86 percent of their workers, making it their sole source of earned income,” Economic Roundtable in a survey of Kroger workers found. “Working full-time to earn a living wage would require Kroger to pay $22 per hour for an annual living wage total of $45,760. The average annual earnings of Kroger workers, however, equal $29,655. This is $16,105 short of the annual income needed to pay for basic necessities required for the living wage. More than two-thirds of Kroger workers struggle for survival due to low wages and part-time work schedules. Nine out of ten Kroger workers report that their wages have not increased as much as basic expenses such as food and housing have increase. Since 1990, wages for the most experienced Kroger food clerks have declined from 11 to 22 percent (adjusted for inflation) across the three regions surveyed. Across the entire grocery industry, 29 percent of the labor force is below or near the federal poverty threshold.”

More than one-third (36%) of 10,000 employees at Kroger-owned stores in Southern California, Colorado, and Washington said they were worried about eviction. More than three-quarters (78%) are food-insecure. One in 7 Kroger workers faced homelessness in the past year. Nearly 1 in 5 (18%) Kroger employees said they hadn’t paid the previous month’s mortgage on time.

More than 8,000 unionized Kroger’s King Soopers employees went on strike on Jan. 12 in Colorado, demanding higher wages and better working conditions from the country’s largest grocery store chain and fourth-largest private employer.

(…)

All the openings in our democracy were the result of prolonged popular struggle. Hundreds of workers were murdered, thousands were wounded, tens of thousands were blacklisted in our labor wars, the bloodiest of any industrialized country. Abolitionists, suffragists, unionists, crusading journalists and those in the anti-war and civil rights movements opened our democratic space. These radical movements were repressed and ruthlessly dismantled in the early 20th century in the name of anti-communism. They were again targeted by the corporate elites following the rise of new mass movements in the 1930s. These popular movements, which rose again in the 1960s, moved us, inch by bloody inch, towards equality and social justice. Most of these gains made in the 1960s have been rolled back under the onslaught of neoliberalism, deregulation, and a corrupt campaign finance system, legalized by court rulings such as Citizens United, which allow the rich and corporations to bankroll elections to select political leaders and impose legislation. The modern incarnation of 19th-century robber barons, including Jeff Bezos and Elon Musk, each worth some $200 billion, summon us to our radical roots.”

“Agorist and journalist Derrick Broze speaks often of the concepts of ‘vertical’ and ‘horizontal agorism’. Horizontal agorism is what most of us understand, traditionally, as agorism. It is the use of black and grey markets to out compete the state as outlined in SEK3’s The New Libertarian Manifesto and The Agorist Primer. Examples of such include unlicensed businesses, tax evasion, smuggling, drug dealing, harboring undocumented immigrants, gun running, squatting, and alternative currencies. Vertical agorism is focused on localism and self-sufficiency and is inspired by such books as Karl Hess’ Community Power. Such practice includes buying goods from farmers markets and community farms, rooftop gardening, personal and community use of solar power and aquaponic systems, community toolshares and skillshares, homesteading, urban farming, community protection networks, and free schools. While not all vertical tactics are strictly black or grey market activities (such as free schools and farmers markets), they are counter-economic nonetheless in that they challenge corporate and government monopolies and provide working alternatives that are much more libertarian in comparison.

So if not all activities have to strictly be black or grey to be considered counter-economic, then where does that leave such things as worker cooperatives and collectives or even classical wildcat unionism and newer forms of alt labor? Do these not challenge state and corporate power in significant ways, placing more power in the hands of the individual instead of coercive authorities? Rothbard himself pointed out that most, if not every, corporation rested on illegitimate property claims and therefore should be homesteaded by the workers – the wage earners whom Rothbard claimed that agorism could do nothing for – who invested their time, labor, and energy into running the day-to-day operations but is this not just a form of syndicalism?

Karl Hess advocated a combination of such tactics as a practicing agorist, both vertically and horizontally, and a member of the Industrial Workers of the World, a 100+ year old labor union that offers a refreshing challenger to the exploitative business union model of groups like the AFL-CIO while advocating syndicalist tactics. And such tactics do seem to compliment each other in theory and in practice, offering a significant challenge to state and corporate power, while also crossing ideological boundaries between free-market anarchists and social anarchists. In fact, many free-market libertarians aside from Hess have made such alliances with alt labor organizations and unions.

Consciously moving forward in building such alliances could prove to be quite advantageous. While agorists build alternatives to the white market within the black and grey markets, syndicalists could focus on challenging existing white market entities from the inside, eventually taking them over as Rothbard advocated. But it doesn’t have to stop there. Agorists should indeed advocate that syndicalists go even further. Once a white market business is successfully syndicalized, agorist-syndicalists should help transition the business into the agora. The newly collectivized business should eventually do what all good agorist businesses do: ignore state licensing regimes, refuse to pay taxes, engage in the use of alternative currencies, and generally disregard statist interference with their business dealings. They just successfully ousted the boss, why submit to yet another authority? They just got rid of the corporate cronies who became rich by stealing the fruits of their labor so then why let the state do the same through taxes?

For those who object to such claims and scream #notallbosses, I offer the following quote from Konkin:

“In an agorist society, division of labor and self-respect of each worker…will probably eliminate the traditional business organization – especially the corporate hierarchy, an imitation of the State and not the Market. Most companies will be associations of independent contractors, consultants, and other companies. Many may be just one entrepreneur and all his services, computers, suppliers and customers.”

Even Konkin couldn’t help but notice the exploitative nature of corporate hierarchy, believing it to be some of the lasting remains of feudalism and that if the individual were truly respected, bosses would slowly become a thing of the past. In the truly freed-market, labor unions would be allowed to operate just as any voluntary association and groups like the IWW show us a way to unionize without appealing to the state for favors.”

#hedges #chris hedges #unions #class #working class #class war #agorism #syndicalism #konkin #samuel edward konkin iii #liberty #libertarianism

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nehomebuyers · 3 years

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I Need to Sell My House Fast! - Ways to Get Cash For Properties

If you are looking to sell your house fast in Massachusetts then you will want to read this article. There are several different reasons why people want to buy houses in Massachusetts. The smartest sellers have done their homework. You must also be doing your research before you decide to list your home in the state. In this article, you will learn about some of the top reasons people sell houses in Massachusetts.

I can sell my house fast Massachusetts by choosing to rent my property. The two main types of rental properties are owner-occupied and tenant-occupied. The property that you choose to rent will play a large role in determining the success of your real estate transaction. When you own a house in Massachusetts, there is a greater chance of appreciation. When you buy houses in Massachusetts, you will often have to pay a higher rental rate. The smartest sellers look for real estate agents that are experienced in property rental.

When you sell your house fast in Massachusetts, you need to consider how much you can get for the property. In many cases, the market is depressed. Many property owners in Massachusetts are forced to take cash loans. Fortunately, most of these lenders are willing to work with both the buyer and the seller. Once you sell your house fast in Massachusetts, you can avoid some of the problems that come along with taking cash loans from lenders. Most of the lenders that offer cash loans are reputable and will honor any agreements that have been made.

One of the best ways to sell your house fast in Massachusetts is to use a rental property. A rental property can be an ideal way to make money when you live in Massachusetts. For one thing, the rental properties are often owner-occupied. Unlike owner-occupied houses, it is more difficult to find a good buyer for a rental property. The next time you want to buy houses in Massachusetts, you should consider using rental properties.

Another reason to sell your house fast in Massachusetts is to get out of the state as quickly as possible. One of the reasons that people in Massachusetts have become so frustrated with the real estate scene there is that homes sit on long waitlists for a long time. Sellers often need to wait for a long time before they can get a chance to make an offer on a property. If you need fast cash, selling your house quickly can help you accomplish your goals.

Many people in the state of Massachusetts have tried to sell their homes themselves without success. Some have even considered hiring a real estate agent to get financing for a purchase. The problem with using an agent is that real estate agents usually charge a high commission. Even if the property they bought does not sell quickly, the broker still makes money from the sale. It is much better to get financing for a short property in Massachusetts than it is to use a real estate agent.

There is another way that you need to sell your house fast in Massachusetts that most people do not even think about. You can list your house yourself on an online listing service. This service will allow you to list your property in Mass anywhere in the country. You do not need to hire a real estate agent to get financing for a purchase or list your property on a service. Listing your property online can help you get more leads and more business in the long run. If you decide to hire a real estate agent, you may be throwing away a lot of money because you could lose a sale. After all, the agent's buyer has already been approved for financing.

The final way that you need to sell your house fast in Massachusetts is to pay off any obligations you have that may be causing you to miss payments. For example, many people have auto loans that they have to make monthly payments on. If they have taken out a second mortgage on their house or automobile, this is usually going to be a priority for you to pay off. To make the best of a cash offer, you can use a service like Fast Connecticut Lender that will help you find a lender who is willing to approve a cash offer. You do not have to worry about whether or not you can qualify for a cash offer. You just need to meet the minimal requirements and you should be able to get financed quickly for your fair market value property in Massachusetts.

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iwantthedean · 5 years

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A New Fall

Graphic courtesy of @atc74.

Part One: McIntosh. Juicy, tangy, tart.

Summary: Y/N gets bad news about her beloved home. Jensen arrives in Boston following a potentially rash decision. Pairing: None ... yet. Word Count: 1507 Warnings: Drinking. Set post-Season 15, which I know makes a lot of people sad to think about. Square Filled: This entire series will fill my proposal square for BTZ Bingo.

A/N: I’m so excited to be posting a series here again! In case you missed the announcement, this will fall in line with series I’ve written before like Hard to Find, or True Fluff. The taglist is open, so if you like what you read here, feel free to request to be added! HUGE THANKS to @atc74 and @d-s-winchester for not only encouraging me to come back and write when I was ready, but for hearing me out about this series. I love you both to pieces!

The nature of living with an apple orchard in your backyard was that the house always had a slight tinge of apple scent to it. When you pulled out the season’s first pan of apple cinnamon cookies from the oven, the scent only grew stronger. You smiled; this was the smell of your childhood. You and your grandmother had spent countless hours in this kitchen, preparing this very recipe -- one that had been handed down over four generations now.

You waited for the cookies to cool a bit before using a nylon spatula to slide them from the still-warm pan to the wire rack on the cream-colored, tile counter. Using an ice cream scoop to help you keep the portions fairly equal, you loaded the silicon mat on the cookie sheet and again slid the pan into the oven. You set the timer on the oven and washed the bits of cookie dough from your hands.

Outside the window over the kitchen sink, the leaves of the trees decorating the yard were turning the brilliant colors of Autumn: red and yellow and orange. There was even some brown, which didn’t put you off the way the drab color normally would have. Autumn had a late start this year, but here it was, right before your eyes.

“That bodes well for the Fall Festival,” you smiled to yourself, not caring that no one was around to listen. The festival was something you looked forward to every year since you were a kid; for you, it was right up there with decorating for Christmas.

You finished the cookies, loaded and started the dishwasher, then put the cookies in an airtight container -- but not before sneaking one for yourself.

“Just like Granny made.”

Satisfied with your baking endeavor, you left the cookies alone and went to freshen up for your meeting with the farm’s business manager. This was something you did monthly, to make certain everything was in order, and while you normally didn’t mind the business side of running the place, things hadn’t exactly been looking up lately.

Bartholomew Kemp was a good man. He had grown up with your father and knew your family well. After your grandparents died and your father moved to the Midwest where most of the extended family lived now, you stayed behind in Massachusetts to keep watch over the family farm.

It wasn’t much, really. Thirty-five acres of land, most of which were taken up with the orchard. The main house and the barn took up a couple of acres, and there was a small pumpkin patch that covered a few acres, too. There was a lot of upkeep required, but you loved every inch of the place, and the people who worked the land so that you could stay there and keep everything in your family’s name.

The pleasant thoughts of the place you called home faded away when you saw Bartholomew’s face. As soon as his eyes registered your presence, his expression read regret.

“It’s not good, Y/N,” Bartholomew sighed, handing over the latest financial reports. “Nothing has improved with the ripening of the apples and your sales. They’re not flying out of the market the same way they used to do. More people are buying organic from the store than chancing recalls by buying direct locally.”

You frowned as you looked over the numbers. “I don’t understand. I mean -- I understand these reports coming back from the market, but I don’t understand why I’m not getting more stock back, then. The market is constantly asking for more apples, and they’ve already cleared out of our pumpkins once … it doesn’t make sense.”

“I wish I had an explanation for you, but the numbers are all there. I’ve checked and double-checked them. Triple-checked.”

You drew in a deep breath, willing yourself to not have an emotional reaction until you were alone in your car, if not all the way home. You set your copies of the reports on the desk and looked at Bartholomew.

“So, what does this mean?”

The older man leaned forward on his desk. He looked around as if wishing someone would come in and interrupt. Finally, he looked you in the eye.

“You’re going to have to sell, Y/N.”

Tears stung your eyes, and professionalism went out the window. “Sell? No, Mr. Kemp, I can’t sell! That’s my home -- my family’s home. My dad retired and moved West and he left me the place. He trusted me!”

Bartholomew reached across the table to take your hand. He squeezed, an effort to reassure you. “And you’ve done a great job, dear, but it’s the times. It’s not you. Your father has no reason to be anything other than proud of you.”

“What about -- what about refinancing?”

You could see from his demeanor this wasn’t an easy conversation. “You could try, but -- you are an amazing teacher. The kids and parents alike love you. Your employees all love you. I don’t know if that’s something you can take to the bank against your salary, though.”

“The least I can do is try.”

Bartholomew nodded. He gave you a manila envelope to put all the reports in, and offered his assistance with your loan application should you need any. You thanked him again, then hightailed it out to your car. Before you had the key in the ignition, you lost control of your emotions. The tears flowed freely all the way back home.

* * * * *

While he waited to get off the plane in Boston, Jensen adjusted the ball cap he was sporting, then quietly undid his seatbelt. He didn’t want to catch any complaints from the flight attendants for unbuckling while the seatbelt light was still on, but having the thing secured was giving him some weird sort of anxiety.

The passengers were finally allowed to file into the airport. Jensen shouldered his carry-on and made way for the rental car counter. Once behind the wheel, the GPS told him it was an hour drive from Boston to Attleboro.

“An hour?” he groaned. “Nah. I’ll get a hotel and find the town tomorrow.”

Jensen’s first thought was to head to the Four Seasons, but he made a last-minute decision to book a room at the DoubleTree instead. It wasn’t about money, it was about simplicity. Wasn’t that the whole point of this trip? To simplify his life?

Once settled in his room, he ordered from a delivery service that would bring him both food and alcohol, turned on his favorite playlist, and stared out the window. Below him, cars raced past. People huddled in thick jackets against the chilly wind. Vancouver was probably colder now than Boston, but it was still about twenty degrees colder than Austin.

Jensen took a deep breath and turned away from the window. He pulled clean boxers from his bag and let out that breath as he headed for a hot shower. All he needed was a quick one before the delivery service showed up to get his head straight.

“A quick, hot shower,” he muttered, turning his face away from the initial cold spray of water, “and to find a place to be.”

After fifteen years on the same show with not much to vary his days, Supernatural had ended. He didn’t regret a minute of being on the show, being around the fans, or the family that had formed during his years as Dean Winchester. Now, though, he was restless. Summer was fine; those weeks felt like hiatus. Then August came and, of course, filming still had not resumed, and the restlessness had set in.

No scripts came through that caught his interest. The Austin nightlife wasn’t really keeping his attention, but there didn’t seem to be a point in going back to Vancouver. So, he started looking for other options. How this orchard had even come across his screen, Jensen couldn’t remember. He only knew that once the seed was planted in his mind, he couldn’t stop thinking about it.

So now Jensen was laying on a hotel bed in Boston, watching sports highlights on television and knocking back whiskey on the rocks. Tomorrow, when he woke up, maybe he wouldn’t even be interested in the orchard anymore -- he’d just take a plane back to Texas and be back at square one.

“Put the lid on the whiskey bottle, Ackles. Call it a night.”

Taking his own advice, he knocked back what was left in his glass, put the bottle across the room for now, and turned off the lights. He set the sleep timer on the TV and drifted off to a restless sleep.

When Jensen woke up the next morning, the sun was barely peeking over the horizon. Seeing and potentially buying the orchard seemed less like an irrational choice and more of the quiet, new adventure he was seeking. There were new possibilities here, he could feel it in his bones -- and he couldn’t get on the road fast enough to find out just what those possibilities were.

* * * * * * * * * *

The Whole Shebang: @illisea @ashleymalfoy @busybee612 @mrswhozeewhatsis @sherlock44 @ravenesque @feelmyroarrrr @atc74 @theplaidshirtmadness @blacktithe7 @moonlessnight14 @kitchenwitchsuperwhovian @smoothdogsgirl @melbrandes @xtina2191 @spnbaby-67 @emoryhemsworth @goldenolaf25 @gabriels-trix @applesugar88 @rainflowermoon @deansgirl215 @thisismysecrethappyplace @calaofnoldor

Jack Attack: @tiffanycaruso @girl-with-a-fandom-fettish

Two for the Money: @jayankles @akshi8278 @jensensjaredsandmishaslover @supernatural-jackles @adoptdontshoppets

A New Fall: @marilynnlew @backseat-of-deans-67chevy @traceyaudette @ellen-reincarnated1967

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letsimportanttreecollection-blog · 6 years

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I live in a small town in Texas, I was recently married in June 2008, we got pregnant with twins but unfortunatly had a miscarriage...one of hardest things I have ever had to deal with...anyways...we want to try again but I really want to have health coverage and not have to pay out of pocket...does anyone know of any health insurance that covers pregnancy...from what everyone else is telling me no individual policy will cover me if i get pregnant...if anyone can help I would appreciate it...""

""Why are necessities, such as food, clothing and shelter mostly affordable, but not health insuarnce?""

Can't figure it out. Here in Tempe if a man were to work 80 hours a week and earn minimum wage with no benefits (remember, we have nine-percent unemployment now, higher than Belgium, Australia and Norway, mind you), he could bring in about $2,000 per month before taxes. He can get a studio for under $500 or a rented room for a little less; one month's worth of groceries, if purchased at the 99 Cent Store or Food City, could run him $250 per month, and a week of clothing purchased at Goodwill might run him about $100. All affordable, many options for the low-wage earner. Now, this guy actually works for a living maximum hours, so he doesn't qualify for state aid (I've looked into it, that salary is too high), and many jobs don't offer benefits, particularly low-skilled ones, so what's he to do? Let's say he has a pre-existing condition, therefore, he is either denied insurance outright or charged well over $1,000 per month (look at Blue Cross/Blue Shield, Golden Rule, Aetna, Cigna and United). So, he works for a living, doesn't smoke, no woman will have sex with him, he has no children, he doesn't do drugs, he has no gadges (iPod, computer, stereo), no car (he takes the bus), even after all that, he's still screwed. He needs preventative care, not emergency ward treatment as that's not financially viable for America long term, so what does he do: job offers no benefits, is denied or overcharged for health insurance, can't find a job with benefits, state won't provide the working man with state insurance...shouldn't he just quit working and become the welfare leach that conservatives revile because hard work is getting him nowhere?""

Is 39.56 pounds every month good scooter insurance?

hey guys i have a yamaha maxter 125cc scooter but i cant get cheap insurance :/ the lowest one is 39.56 do you think i can get cheaper? am 19 am in london please suggest cheaper companys

""How do i get car insurance down, young driver wanting cheap mx5?""

Ok, so you may be wandering why i want an mx5. I want to get into drifting and an mx5 seems a good car for it. can get an ok one for about 1000, lower in some cases. The 1.6 litre would be the best choice. So to the car insurance, i put in a quote with myself the main driver and my dad as the additional and it was around 2500 for the year. I then put my dad as the main driver, mum as the second and me as the third and the cheapest quote was 2200. I then took me off and it was 180. I mean come on! im 19 with 2 years no claims, what is it with insurance companies and young drivers! Im not going to drive the car much at all. Probably to events and a bit more when i want a bit of fun. But seriously, im not paying that price. Drifting is already an expensive hobby as it is. So how can i bring it down people? Would love to see people ranting about car insurance with me.""

Business Insurance?

I want to start a roofing company in MN and I was wondering what kind of insurance I need for me and a crew of five or six people. I was also hoping someone could help me with the required licenses. Thank you

I just bout 2 motorcycles and I am looking for a cheap place to get insurance through... Any suggestions??????

It's a 2007 yamaha and a 2005 suzuki, and I'm not getting anywhere with these insurance quotes. They are outrageous!!!""

Car insurance in the USA?

i'm from the UK and planning on taking a across america roadtrip, and thought it would be cheaper to buy a car when i first arrive and sell it again before i leave. 1. being from the uk would i be allowed to buy a car not being a US resident? 2. how does car insurance work and what sort of cost is car insurance?""

How much would car insurance cost on average?

How much would car insurance cost on average for a 19-year old male, living on his own, drives about 40 miles a day and has had no traffic violations. what would the cost per month be?""

Auto insurance question???!! HELP!!!!!!?

Hello, i have a question on teen auto insurance. Now i know how bad insurance is for teens and I know sports cars are a horrible choice for a first fully insured car, but my father surprised me with a 2005 V6 Ford Mustang and I would like to know if anyone out there can help me with just telling me how much I am going to be looking in to pay. I live in Orange and I am going to be under my parents, just an estimate on how much it would be each month or 6 months will be fine and please, no rude comments. I understand how foolish it is of me to have a sports car at my age, but I already had an Altima 3.5 se-R with an air intake and drive it perfectly, always obeying speed limits, though this probably isn't going to help with the insurance cost. If you know from experience even better! thanks for ur time.""

progressive rv insurance online quote

What kinda price for rego and insurance?

I what a 2000 TOYOTA CELICA ZZT231R SX what kinda price for rego and insurance?

Driving without auto insurance?

what are the concusguences

Good insurance companies for 17 year old passed my test!!?

ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""

Does this make your insurance cheaper?

My friend told me his insurance is a few dollars cheaper because his truck is yellow and more visible. Is that true?? I live in Alberta, Canada.""

POLL: What kind of car insurance do you have?

I've just become curious due to all of the car insurance commercials; Progressive, Allstate, 21st Century, Geico etc. which do you have?""

Why do men pay higher rates for auto insurance than women.........if women cause more accidents than men?

http://autos.aol.com/article/women-worse-drivers/?icid=maing-grid7%7Cmain5%7Cdl8%7Csec1_lnk1%7C75950

Insurance: Average yearly mileage exceeded?

When I brought my car insurance (after being without a car for many years), one of the questions was average yearly mileage , I input 12,000 thinking that that figure was ...show more""

I was wondering who has the cheapest auto insurance rates in the bay area california? please help.....?

""If i make motor claim in the past, do i need to mention it when buying a new insurance?""

Hi, my car insurance is expiring soon, so i've started looking for quotes and i realised when i mention the fact that i have made a claim in the last 5 years,,,the premium gets higher. If i dnt mention it, its much cheaper. Is it neccessary to mention it? what happens if i don't mention it?""

I recently moved to Brooklyn and I need to find affordable auto insurance for my car. Any suggestions?

I know car insurance in NY is expensive in general, but any suggestions would help!""

Can my insurance company help?

My 125cc bike has seized?? the garage have told me there is no point in repairing it :(. I dont have a lot of money, and am trying to do my test would it be worth trying to fix it? Would the insurance company be able to help me? Would they be able to provide me with transport until i get a replacement? What engine size bike can i get if i pass my standard bike test?""

What car insurance would you recommended after having a DUI?

I'm on my last month of having a year suspension and need to start checking out insurance companies. After AAA saw my penalty on record, I was instantly declined to be re-insured. Obviously I can't be picky, but all I ask is for the best deal at the lowest price. Not sure if these influence the price ranges or not, but here are some basics that may be of assistance: Female, 20. Toyota Yaris '09 wet-and-wreckless infraction, over a year ago. Been driving for 4 years. Sacramento, CA""

Why is health insurance important?

""If Obamacare is cheaper, more affordable, and saves $2,500 per year, why does Obama need to allow 500,000?""

... or more people who were buying more expensive and worse insurance (and thus should be able to afford to buy the cheaper, more affordable and better coverage which saves them $2,500 per year) and how those terrible policies canceled.... why does Obama need to allow them to buy terrible coverage which focuses on catastrophic coverage instead of his far better and far cheaper plans?""

Teen car insurance questions/advice?

I got my license in June and im obviously am going to be on my parents insurance and will have to pay my share. I know its gonna be costly but can any ither peoPle who got cars/car insurance when they were a teen with a teen type job payed for it all? Any advice? From online quotes ive done its roughly 200$ a month with a large 1st payment and it will be shared but its still alot on top of other car expenses. Any help or advice will be loved

What would be the insurance policy on a 2013 Mustang GT/CS?

Make believe it is the summer of 2014 and I just bought the stated car above. How much would a typical insurance go for a used Stang with around 7,000 miles in a small city(like Gainsville) go for?""

Value Of Car Set By Insurance Company?

My car was recently stolen and declared a total lost, when I first got insurance on this car the new or used cost value was set by my insurance company for $19,000. Now that my car is a total lost they only said they can give me the fair market value only. Why did they set a price of $19,000?""

What's the Fastest way to be approved for disability in MA?

And for God sakes don't answer - to be legitimately disabled. That's obvious!!! I have chronic colitis, I'm frequently sick to my stomach and don't have insurance yet. I go to food banks to eat and can barely afford to even live much less do anything slightly fun. I really need disability and know people that have got it because they say they're depressed when their fine (as they told me). So please don't be cruel with a stupid answer. Any real tips?""

Affordable car insurance companies in NYC?

Hi there, I would appreciate it if I can get some names and possibly reviews of inexpensive auto insurance companies within NYC (companies in all 5 boroughs are welcome)? Please! I beg you, don't mention Geico, All State, State Farm, and Progressive! Thanks very much!""

What is the cost of the insurance for the car i want ?

I want a Suzuki Ignis 1.5 sport im just about to start driving wants the insurance going to cost ?

What kind of health insurance do i apply for?

I have a one year old son and he has had medi-cal off on and they give me so many problems and i'm tired of him having medi-cal. I recently reapplied because they stopped it again, but this time i added his father on there since he has no type of medical insurance either.4 weeks went by and i haven't recieved anything in the mail so i call and ask what is going on. The lady was extremely rude to me and tells me they denied my application because they never recieved a packet that requested birth certificates,social securities, proof of income etc. And i tried to explain to her i never recieved the packet that requested any of that and that's why i was calling to let them know and she said well they already denied you so you need to apply again i'm tired of medi-cal my poor son deserves better.so i was wondering if anyone knew of something else i could apply for? it's just for my son and his father i'm still under my moms insurance so i don't need it but i have to apply for them since i'm the mother of my child obviously. We live off of $400 every 2 weeks and have other things to pay for.so please someone help!""

Anyone know where my husband can get dental work done with no insurance?

he is in a huge amount of pain and nothing is working anymore he has even went as far as rinsing his mouth out with peroxide! [ i know right!] but any how we don't have dental insurance and i was wondering is there anywhere he can go like a free clinic or something? we live in East bay California any help would be great thanks! no rude comments please

Dental insurance..?

Hi, i am a student so i do not have much money. I am living in Melbourne, Australia. I would like to know if there is an affordable health insurance that cover dental needs. I need to remove my 4 wisdow teeth and also i would like to put some braces...but i can not aford it. Would an insurance be worth in this case?""

""What is the best way to find cheap car insurance if Ur 21. Ive tried all the comparison sites, help??? ?

I've tried all the comparison sites but I'm getting a really high quote.

What will happen with my car insurance?

ok so i was driving my brothers car and i have my g1 i went to money mart and back home about an hour later police came knocking on my door asking if my brother was in a car accident so we went down to the station and the officer asked if i was driving his car i said yes , he then said that the other man that was sitting in the station got my plates and said i hit his car and cracked his bumper (very minor crack) so i said no and then officer assumed i was lying and made me write up an accident report. after when i was leaving the station the other guy asked if we could solving this without going through insurance so we exchanged numbers (their was no damage at all to my brothers car & no paint or anything on their car to prove i hit it) the next day they called and said the want a whole new bumper they dont want it patched up and they would get me a price quote they then got me a quote for $1475 for a while new bumper from ford i told them im not paying that much the only way im replacing the bumper is if my mechanic does it he said ok so i went to my mechanic told him the whole situation and he said i shouldnt be replacing the whole bumper for somthing that small but he still ordered the bumper for me i had to put a $400 down payment for the bumper and $300 after its put on. the bumper came in 2 days later and they brought their car for it to be put on when we got there they got pissed off and said this isnt a bumper straight from ford and they dont want it and left ( the bumper was brand new for the same model car and had the exact paint coat match just that it wasnt from ford) they then call me threating to take it through insurance if we dont get it from ford so i lost the $400 down payment for the bumper because they cant return it after its painted so i told my mechanic to order it from ford. but when he called for they said the dont have bumpers for that model anymore, i then call the people back and told them to take it through insurance because my mechanic cant get that bumper. So what will happen to my brothers insurance hes under 25 with his g2, and i had my g1 but it was on private property where they said the incident occurred the officer even said he cant charged me because its private property PLEASE HELP!""

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https://www.linkedin.com/pulse/alamo-insurance-coverage-ethan-gay/"

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kittenowl0 · 3 years

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Why Folks Are Choosing to Get a Home in Bedford, Massachusetts

There is a Answer to a Problem - sober housing for veterans in New Hampshire. It is Veterans' Housing that has opened a total new market place of low earnings housing for more mature individuals. Most of these residences are cost-effective and supply good housing. They are also located in locations exactly where there is a lot of possible for growth. There are about forty-four offered residences in New Hampshire. Most are really wonderful and excellent offers on a very first time house. Most of them are on extremely active roads and have ample parking. Some have the alternative of employing the community's inexperienced place. There is loads of open place, such as big pieces of unused park land that the city will at some point offer. A lot of of the new residences are even now extremely considerably like the aged residences. They have wooden flooring, wood structures and porches. The kitchens are totally equipped. There are two or 3 bedrooms and baths. The older residences ended up developed with a single learn toilet, typically with a complete kitchen. What has changed in excess of the many years is the confront of the neighborhoods. The community was originally a producing foundation for some of the significant firms in the United States. The main road is still lined with tall business office properties. But the community is now primarily a middle course residential area. There are plenty of single family members properties and condos. There are solutions for the people who want to go in but are involved about locating the proper property. The majority of the new homes are still in extremely good condition. They are constructed to code and come with all the amenities most individuals would like to have. The townhome concept has turn out to be well-liked in New Hampshire and is one thing to search into if you are looking for minimal cost, substantial top quality housing. Some of these residences are so wonderful that they are shown as repair and go houses. If you are only hunting for a rental, the proprietor has the choice to lease it to you for a time or enable you shell out off the loan. If you are prepared to acquire, these houses can be had at a very lower value. Even though they are referred to as repair and go, you will not have to move out until finally you are pleased with the property. There is an abundance of land for these houses. You will require to make confident that there is ample room for the property that you envision. Numerous of these houses are on wooded land. Some are on difficult porches overlooking the ocean or lakes. There is a answer for individuals who are hunting for the best property in the New Hampshire location. It is nonetheless attainable to uncover real estate bargains that are lower value, large quality, and perfect for your requirements and needs. These properties are obtainable and completely ready to go in. When you are prepared to make your aspiration a truth, do some investigation into these properties and you will discover that there is a resolution waiting around for you! A whole lot of people in the region have previously uncovered that there is a solution for them. This portion of city is packed with quality new condos and residences that are affordable to a lot of distinct men and women. There is something for everyone listed here. There is something here for households, singles, retirees, and young partners. New Bedford MA has grow to be a very hot place for people getting their initial home. One particular of the principal motives that individuals choose to reside in New Hampshire and acquire there is a remedy for them. The people of this city to enjoy living in this area. The temperature in New Hampshire is great most of the year. The towns are very modest, but they have all the features you would count on in a tiny town. When veterans of america donations have the chance to stay in the place, you can appreciate that there is a resolution for men and women buying there. One more cause that men and women decide on to get a home in New Hampshire is that it has a reduced value of living. There are really couple of high-end buildings in the New Hampshire metropolis. When you live in New Hampshire, you are choosing a area that is close to every thing, but you can nonetheless get pleasure from New England at a sensible value. Bedford is one of the few towns in New Hampshire that men and women love. The typical income is very low, but the people do really like this quaint city. When you have your own residence in New Hampshire, you are picking to be near to property, but you are also deciding on a spot in which you can enjoy almost everything. This is why individuals adore dwelling in New Hampshire. When you are all set to just take gain of this opportunity, you will want to discover a lot more about the benefits of acquiring a residence in Bedford, Massachusetts.

#Solution House: sober living solutions: sober living homes: VA Donation: VA Donations: Veterans Donation:Veterans Donations

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serverfox0 · 3 years

Text

Why Men and women Are Selecting to Purchase a Property in Bedford, Massachusetts

There is a Remedy to a Issue - sober housing for veterans in New Hampshire. It is Veterans' Housing that has opened a whole new market of lower earnings housing for older people. Most of these homes are affordable and give first rate housing. They are also situated in regions the place there is a lot of prospective for growth. There are about forty-four offered properties in New Hampshire. Most are quite wonderful and good deals on a very first time property. Most of them are on quite hectic roads and have enough parking. Some have the alternative of utilizing the community's inexperienced room. There is a lot of open up place, which includes massive items of unused park land that the metropolis will sooner or later offer. Many of the new properties are still very much like the previous properties. They have wooden floors, wood buildings and porches. The kitchens are completely outfitted. There are two or 3 bedrooms and baths. The more mature properties were designed with a single learn bathroom, normally with a total kitchen area. What has transformed more than the many years is the confront of the neighborhoods. The community was initially a producing foundation for some of the major companies in the United States. The primary road is still lined with tall place of work structures. But the community is now mainly a center course residential region. There are loads of solitary loved ones homes and condos. There are options for the folks who want to go in but are concerned about locating the appropriate residence. The bulk of the new properties are nonetheless in really excellent situation. They are developed to code and appear with all the facilities most folks would like to have. The townhome concept has turn into common in New Hampshire and is one thing to search into if you are looking for lower cost, substantial top quality housing. Some of these houses are so wonderful that they are shown as correct and go houses. If you are only searching for a rental, the operator has the option to hire it to you for a time or allow you pay out off the loan. If you are all set to buy, these properties can be experienced at a very lower price tag. Even even though they are named resolve and go, you don't have to shift out until finally you are happy with the property.

There is an abundance of land for these houses. You will need to make confident that there is enough place for the residence that you envision. Numerous of these houses are on wooded land. Some are on challenging porches overlooking the ocean or lakes. There is a answer for folks who are looking for the excellent property in the New Hampshire location. It is nevertheless feasible to find genuine estate offers that are minimal cost, higher high quality, and ideal for your requirements and requirements. These properties are available and all set to go in. When you are completely ready to make your dream a fact, do some investigation into these homes and you will find that there is a answer ready for you! A good deal of folks in the location have currently found that there is a remedy for them. This element of town is packed with quality new condos and apartments that are affordable to several diverse people. There is something for everybody below. There is anything listed here for family members, singles, retirees, and younger couples. solution house aa meetings elkton md has grow to be a very hot place for people getting their first property. A single of the major motives that people decide on to stay in New Hampshire and acquire there is a resolution for them. The people of this city to enjoy dwelling in this region. The temperature in New Hampshire is great most of the calendar year. The towns are really modest, but they have all the facilities you would anticipate in a tiny town. When you have the possibility to dwell in the nation, you can enjoy that there is a remedy for folks buying there. An additional reason that people decide on to buy a home in New Hampshire is that it has a low cost of dwelling. There are really couple of high-end structures in the New Hampshire town. When you reside in New Hampshire, you are choosing a spot that is shut to almost everything, but you can nevertheless get pleasure from New England at a affordable value. Bedford is one of the handful of towns in New Hampshire that people adore. The average revenue is quite lower, but the folks do enjoy this quaint town. When you have your possess house in New Hampshire, you are deciding on to be shut to property, but you are also choosing a spot where you can get pleasure from every little thing. This is why men and women love dwelling in New Hampshire. When you are prepared to just take advantage of this prospect, you will want to understand far more about the rewards of acquiring a home in Bedford, Massachusetts.

#Solution House: sober living solutions: sober living homes: VA Donation: VA Donations: Veterans Donation:Veterans Donations

0 notes

ericvick · 3 years

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More homeowners are becoming landlords with accessory dwelling units

Many things have been in short supply during the coronavirus crisis, and that includes housing.

When the country went into lockdown, Americans were on the move. The sudden shake up caused a spike in home prices.

Even now, potential buyers continue to be shut out of the housing market as prices head higher and higher.

At the same time, the pandemic-induced run on housing has put even more pressure on the demand for rentals, which are generally more affordable than ownership.

More from Personal Finance: Here are the best ways to tap your home for cash Many Americans can’t afford an emergency expense How to determine your spending rate in retirement

Anyone with a little extra space can turn that room into a rental. For some, this is an investment opportunity.

As the nation’s housing crisis intensifies, a growing number of homeowners, particularly in high-cost areas, are converting a piece of their property into a garage apartment, granny flat or guest house for short- or long-term rent.

So-called accessory dwelling units, or ADUs, are now a popular way to add an income-generating rental property on the same lot as a single-family home, according to a recent research note by Freddie Mac.

“We’re in the midst of a huge housing crisis; that leads to classic economic supply and demand,” said Caitlin Bigelow, the CEO of Maxable, a startup that connects homeowners with resources to build rental units from start to finish. “Homeowners are looking at ADUs as low-hanging fruit.” (Each Maxable project begins with an evaluation for $199.)

Amy O’Dorisio, 40, turned a stand-alone garage in Normal Heights, San Diego into this one-bedroom, one-bath rental unit.

Photo: Tyson Wirtzfeld

In 2018, Amy O’Dorisio, 40, turned a stand-alone garage into a one-bedroom, one-bath unit. In the last year, demand for those types of apartments has only grown, O’Dorisio said — particularly in San Diego, where she lives and works as a residential realtor.

“I knew that it would catch on and it has,” she said.

O’Dorisio said she spent $130,000 on the conversion, including permits and some furniture. She now rents the unit for roughly $2,000 a month. She is currently working on converting another portion of her property into an additional ADU.

“My goal is to have enough rental income that I don’t have to work as hard,” she said.

An interior view of Amy O’Dorisio’s one-bedroom rental unit.

Photo: Tyson Wirtzfeld

In fact, after a year of record low interest rates and soaring home prices, real estate became the most preferred way to invest over the long run, according to a recent Bankrate.com report — topping savings accounts or certificates of deposit and the stock market.

But there are many factors to consider. For starters, whether you can add on an accessory dwelling unit depends on the ordinances, or rules, in your jurisdiction. The scarcity of affordable housing is driving more cities to adopt ADU-friendly legislation, making these units legal in many neighborhoods; however, it’s not across the board.

And turning spare rooms into rentals isn’t cheap. Garage conversions start at about $100,000, according to Maxable’s Bigelow. Building a separate stand-alone structure is even more.

Once a unit is built, there are two main ways to make money: cash flow and appreciation, according to Tendayi Kapfidze, chief economist at LendingTree, an online loan marketplace.

“If your goal is cash flow, you’ll need to know if you can lease the property for enough to earn more than you spend on the mortgage and maintenance,” he said.

The rental income should cover your monthly costs, including insurance and some amount of vacancy.

“All that has to average out,” Kapfidze said.

“If you’re more interested in appreciation, you have to estimate whether the property will be worth more several years down the line,” Kapfidze added.

Like all things in real estate, much of that comes down to location, location, location.

Notoriously expensive cities like Chicago, Miami and Seattle have seen a growing number of these rental units over the last decade while homeowners with ADUs in more affordable cities like Austin, Texas; Nashville and Phoenix could benefit going forward from a sudden increase in rent prices due to Covid.

Vacation towns may be even more lucrative.

Properties in exclusive enclaves, such as Kiawah Island near Charleston, South Carolina; Key Biscayne, Florida; Park City, Utah; Rehoboth Beach, Delaware; Nantucket, Massachusetts and the New Jersey beach towns of Stone Harbor and Avalon, have the highest value as investments, according to another report by MagnifyMoney.

Still, potential rental income can also vary from block to block, Kapfidze cautioned.

“It’s something that’s very, very local,” he said. “Before you figure out the finances, it’s very important to understand the level of demand in a very small geographic area where your home is.”

It’s very important to understand the level of demand in a very small geographic area.

Tendayi Kapfidze

chief economist at LendingTree

Further, it can be hard to access your cash once you’ve locked it up in real estate. These days, “even if the property appreciates in value, you can’t usually access the equity with a home equity loan or line of credit,” Kapfidze said.

Since the start of the pandemic, the banking industry has tightened lending standards to reduce risk and several large banks stopped offering HELOCs or cash-out refinances altogether.

There are tax and insurance implications, as well. “Your insurance needs will also be different, so you should evaluate that cost ahead of time,” Kapfidze said.

On the flipside, some of those additional insurance costs could be tax-deductible, on top of the potential tax benefits of making home improvements, he added.

“That’s definitely something you’ll want to talk to a tax expert about.”

Subscribe to CNBC on YouTube.

#accessory #dwelling #HomeOwners #Landlords #units

0 notes

millionaire-world · 3 years

Photo

Now let me explain why is it said so... Why are buying stocks like dating ? For a start, you can get in quickly and easily. With some capital, you just need a broker, or an online account, and you can start buying stocks right away. There is no huge commitment involved. You can get out as easily, almost instantly if the price is right. Why is investing in real estate like being married? Certainly, it does take a lot more time and running around to find a property that is suitable. One has to find a property in a decent location. The property has to be in a decent condition, with a good rental yield. Some basic work needs to be done to make it suitable for rental. Bankers have to be consulted as not many have the cash to pay for a property without taking a loan. It does seem to be a bit like a marriage. So why is starting a business like being married with a baby ? It means you are now totally committed and stuck ! You have to give birth to a business, nurse it as a baby, pouring time and money into it to help it grow, all this while, not expecting much from it, in the anticipation that one day, it will grow big enough to support you many times over. To take money out of a business too soon would kill it. ______ For more such content Follow 👉@millionairessaga 👉@millionairessaga 👉@millionairessaga ______ #assets #profitability #assetfinance #stockbroker #stockmarketing #realtyexecutives #propertyrental #investinrealestate #cashflow #fliphouses #stockmarketindia #businessinvestment #stocksignals #stockbroker #binarytradingoption #forextradingtips #dividendincome #tradingstocks #businessgoals2021 #entrepreneurlife #businessowner #rentalincome #passiveincomeopportunities #financialfreedom💰 #moneyrain #livethelifeofyourdreams #lovemoney (at Boston, Massachusetts) https://www.instagram.com/p/CQirT7mpU_1/?utm_medium=tumblr

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connecticuthardmoneyloans · 10 months

Text

Massachusetts real estate hard money lenders

How to Choose the Right Hard Money Lender for Your Massachusetts Property

Are you a real estate investor in Massachusetts looking for financing options? When traditional banks aren't an option, hard money lenders can provide the funding you need to make your property dreams a reality. But with so many lenders out there, how do you choose the right one for your specific needs?

In this blog post, we'll guide you through the process of finding and selecting the perfect hard money lender for your Massachusetts property. Whether you're looking for Massachusetts real estate hard money lenders or rental loans, we've got you covered. Let's dive in and discover how to get the most out of your hard money loan!

How to get the most out of your hard money loan

1. Understand Your Project Goals: Before seeking a hard money loan, it's crucial to have a clear understanding of your project goals. Are you looking to fix and flip a property? Or are you planning to hold the property as a long-term rental? Knowing your objectives will help you find the right lender who specializes in financing for that particular type of investment.

2. Research Multiple Lenders: Don't settle for the first hard money lender you come across. Take the time to research and compare different lenders in Massachusetts. Look at their lending criteria, interest rates, fees, and reputation within the industry. Reading reviews from other investors can provide valuable insights into their experiences with specific lenders.

3. Check Their Experience and Track Record: When dealing with hard money lenders, experience matters. Look for lenders who have been in business for several years and have successfully funded similar projects to yours. A reputable lender should be able to provide references or case studies showcasing their track record of success.

The Different Types of Hard Money Lenders

When it comes to hard money lenders, it's important to understand that not all are created equal. There are different types of lenders with varying criteria and terms. Knowing the differences can help you choose the right lender for your Massachusetts property.

There are direct hard money lenders who provide loans directly from their own funds. These lenders often have more flexibility in their lending criteria and can offer faster approvals and funding. They may also have a deeper knowledge of the local real estate market.

On the other hand, there are also brokers or intermediaries who connect borrowers with various hard money lenders. Brokers can save you time by shopping around for the best loan options, but they typically charge a fee for their services.

How to find the right hard money lender

Finding the right hard money lender for your Massachusetts property can make all the difference in the success of your real estate investment. With so many options available, it's important to do your due diligence and choose a reputable lender that aligns with your specific needs.

Start by researching different hard money lenders in Massachusetts. Look at their track record, experience, interest rates, and loan terms. Make sure to compare multiple lenders to find the one that offers the best fit for your project.

Reputation is everything in the lending industry. Look for reviews and testimonials from other borrowers who have worked with potential lenders. You can also check if they belong to any professional organizations or have received any awards or recognition.

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cassh24sg · 3 years

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America faces a housing crisis

Every year, Harvard University’s Joint Center for Housing Studies (JCHS) publishes a comprehensive report on the country’s challenges and prospects for one of life’s most basic needs. This year’s State of the Nation’s Housing 2021 will assess the devastating financial impact of the COVID-19 pandemic while warning that, despite substantial federal aid, more support is needed to ensure everyone participates in an improving economy.

According to the report, many rising housing costs across the country can be attributed to a shrinking housing stock, favoring consumers rich enough to cash offers on homes or those with savings sizeable enough to cover both down payments and closing costs . These market forces only worsen housing options for low- to middle-income households – those hardest hit by the layoffs and / or reduced working hours of the pandemic.

“For those households with a secure job and good living space, their houses offered a safe haven from the pandemic,” says Chris Herbert, Managing Director of JCHS. “But for millions struggling to cover rent or mortgages, housing has become increasingly insecure, and these differences are likely to persist as the economy recovers, as many low-income households are slow to recover. ”

Herbert continued: “Politicians have to adapt to the needs of people who have fallen further behind and ensure that they also benefit from the expanding economy.”

Racial differences in wealth and home ownership

Black America and other color communities already suffered widespread discrimination, often the result of deliberate structural barriers. Higher unemployment and underemployment and low wealth are long-term results. The protracted pandemic exacerbated these circumstances by imposing a dual health and personal finance crisis.

Before the pandemic began, JCHS found that the average homeowner wealth in 2019 was $ 254,900 – more than 40 times the median of $ 6,270 for renters. Even without home equity, the average homeowner net worth was $ 98,500, or more than 15 times that of tenants.

In the same year, 2019, wealth also varied widely by race and ethnicity: the average wealth of white households was about eight times that of black households and more than five times that of Latino households.

But until early 2021, the 28.1% black and white home ownership gap was only a gradual improvement over what it was in 2019 when the gap was 30.8%. Much of this inequality is attributed to racial differences in median income. While the median white household income was $ 71,000, the same data point for black households was just $ 43,000, even lower than that of Latino households at $ 55,000.

Tenants and homeowners are burdened with costs

Housing affordability is so acute in rental housing that even consumers with annual incomes up to $ 49,999 paid more than 30% of their money for housing in 2019. When the pandemic broke out, every fifth tenant was behind schedule – and black households again suffered higher late payment rates of 29%, more than double that of white households with 11%.

“The housing cost burden has also risen up the income ladder,” says Alexander Hermann, Senior Research Analyst at JCHS. “Seventy percent of tenant households earning between $ 25,000 and $ 34,999 and nearly 50 percent of tenants earning between $ 35,000 and $ 49,999 were burdened in 2019.”

JCHS ‘survey of tenants found that an estimated 25% with COVID-related job losses had depleted their savings significantly. About the same number of loans from families and friends, and 10% turned to payday or personal predatory loans.

For these and other households, the American dream of owning a home is, at best, a long way off. Every dollar available is used for groceries, utilities, and other vital necessities. The struggle to get out of debt is greatest for those facing short-term eviction or foreclosure when the current suspensions end. The federal moratorium on evictions ends in July.

Similarly, troubled homeowners who have received loan deferrals and foreclosures only have 18 months to defer or reduce their monthly payments. On mortgage loans, forbearance is a temporary agreement between lenders and borrowers to postpone foreclosure. By March of this year, 7.3 million had left this status, but 2.3 million more Mortgagees were still indulgent.

Expert opinion

America’s growing housing insecurity was also the focus of a June 9th House Financial Services Committee hearing. Under the heading, Ending Homelessness and Expanding Economic Opportunities in America, the forum provided expert evidence that supported many of the findings of the new JCHS report. Key concerns identified in a memo from the committee included:

• The lack of affordable housing is the main cause of homelessness and housing instability.

• Black, Indigenous and Latinx are over 67% of the homeless, although they make up only 12%, 1% and 16% of the total US population, respectively.

• Black men are more likely to be homeless because of their lower income and higher incarceration rates and traumatic events.

• Previously incarcerated people are almost ten times more likely to be homeless than the general public.

While the JCHS report included a recommendation to build more housing to address the country’s housing shortage, California MP Maxine Waters, chair of the House Financial Services Committee, suggested expanded housing vouchers to help low-middle-income families .

“Today’s hearing made it clear that there is an urgent need to legislate to make Housing Choice Vouchers widely available,” said Waters.

The Department of Housing and Urban Development’s Housing Choice Voucher (HCV) program is often referred to as Section 8. Both names are the largest federal rental housing program currently serving 2.28 million homes at a cost of $ 25.78 billion in FY2021. Voucher holders must pay 30% of their income for their rent and utilities, or a minimum rent of $ 50, whichever is greater and at the rate set by HUD as the local market value. The remainder of the monthly rent in line with the market is paid by the state or local agency, usually a public housing authority.

The families looked after by the program include households with children (40%), non-elderly people with disabilities (36%) and elderly people (29%). All institutions in the program must support 75% of participants with incomes below 30% of the local median income and no more than 25% of recipients with incomes of up to 50% of the local median income.

Benjamin Metcalf, executive director of the Terner Center for Housing Innovation at the University of California at Berkeley, testified to the committee: “Coastal states like California, Washington, Oregon, New York and, Massachusetts, come first because they have both the highest percentage of ultra-low income tenants and the least available affordable rental homes. The housing shortage in these states extends the income ladder and also harms those who make up the median income of the region. ”

“[F]For some time now, the rental support from ederal has not been sufficient to cover the demand, ”continues Metcalf. “Today, around one in four eligible households receives support under the current system, with waiting lists for housing choices in many cities being closed for years or entirely. From 2010 to 2020, the funding of apartment choice vouchers grew by 12%, but the increase in households receiving vouchers only rose from 2.1 million to 2.3 million over the same period. ”

The following day, June 10, HUD Secretary Marcia Fudge announced a $ 1.1 billion expansion in emergency housing vouchers made possible by the passed American rescue plan. These funds are to be used over a period of 18 months to create 70,000 residential vouchers, which will be distributed by 626 public housing authorities. The agencies selected were those that identified the greatest need and administrative capacity.

Christelle Bamona, researcher at the Center for Responsible Lending, said: “In America, the richest country in the world, the basic need for housing is unfulfilled for many people. To correct this injustice, policymakers should take a number of steps, including investing in down payment assistance, rental subsidies and broad-based student debt relief. The tiI for Action is now. ”

Charlene Crowell is a Senior Fellow of the Center for Responsible Lending.

source https://www.cassh24sg.com/2021/06/23/america-faces-a-housing-crisis/

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orbemnews · 3 years

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As Trillions Flow Out the Door, Stimulus Oversight Faces Challenges WASHINGTON — Lawmakers have unleashed more than $5 trillion in relief aid over the past year to help businesses and individuals through the pandemic downturn. But the scale of that effort is placing serious strain on a patchwork oversight network created to ferret out waste and fraud. The Biden administration has taken steps to improve accountability and oversight safeguards spurned by the Trump administration, including more detailed and frequent reporting requirements for those receiving funds. But policing the money has been complicated by long-running turf battles; the lack of a centralized, fully functional system to track how funds are being spent; and the speed with which the government has tried to disburse aid. The scope of oversight is vast, with the Biden administration policing the tail end of the relief money disbursed by the Trump administration last year in addition to the $1.9 trillion rescue package that Democrats approved in March. Much of that money is beginning to flow out the door, including $21.6 billion in rental assistance funds, $350 billion to state and local governments, $29 billion for restaurants and a $16 billion grant fund for live-event businesses like theaters and music clubs. The funds are supposed to be tracked by a hodgepodge of overseers, including congressional panels, inspectors general and the White House budget office. But the system has been plagued by disagreements and, until recently, disarray. President Biden has tapped a longtime economic adviser, Gene Sperling, as his pandemic relief czar. Mr. Sperling who twice headed the National Economic Council, has been racing to stand up the oversight architecture and is relying heavily on the investigative powers of the Pandemic Response Accountability Committee, a panel of inspectors general, in addition to the Government Accountability Office and the administration’s Office of Management and Budget. “When you have a rescue plan, there is going to be a certain amount of tension between aspiring for perfection and meeting the law’s fundamental aims to move funds out in time to cut child poverty, keep people in their homes, save small businesses, restaurants and child care centers,” Mr. Sperling said in an interview. “You just have to do everything in your power to strike a rigorous and right balance.” But the scattering of oversight functions has led to conflict and complicated surveillance. In late April, Brian D. Miller, whom President Donald J. Trump appointed to serve as the Treasury Department’s special inspector general for pandemic recovery, released a scathing report accusing other Treasury officials of blocking him from conducting more extensive investigations. Mr. Miller was selected to oversee relief programs managed by the Treasury Department, but the agency’s officials believed his role was to track only a $500 billion pot of money for the Federal Reserve’s emergency lending programs and funds for airlines and companies that are critical to national security. Mr. Miller said that Treasury officials were initially cooperative during the Trump administration, but that after the transition to the new administration started, his access to information dried up. After Mr. Miller’s requests for program data were denied, he appealed to the Justice Department’s Office of Legal Counsel, which ruled against him last month. His team of 42 people has been left with little to do. “Rather than trying to squeeze people out, I think we should welcome everybody if they want to roll up their sleeves and perform oversight,” Mr. Miller said in an interview. White House officials dismissed his concerns and insisted that they remained committed to robust oversight and transparency. The Treasury Department maintained that Mr. Miller was trying to operate outside his jurisdiction and said it would “continue to make sure all of our inspectors general, congressional committees of jurisdiction and other oversight bodies have the information they need.” “President Biden has made crystal clear to his team that oversight is a key priority,” said Ron Klain, the White House chief of staff. “That means coordination and integration across the whole of government to ensure that taxpayer funds are being spent as intended and in service of the needs of the American people.” So far, major instances of fraud and waste represent a relatively small percentage of the 2020 initiatives and have been largely confined to small business lending efforts, like the Paycheck Protection Program and Economic Injury Disaster Loans. But federal oversight experts and watchdog groups say the exact scale of problems in the $2 trillion bipartisan stimulus relief bill in March 2020 is virtually impossible to determine because of insufficient oversight and accountability reporting. Mr. Miller has been pursuing cases of business owners double dipping from various pots of relief money, such as airlines taking small-business loans and also receiving payroll support funds. The Small Business Administration’s inspector general said last year that the agency “lowered the guardrails” and that 15,000 economic disaster loans totaling $450 million were fraudulent. Updated May 12, 2021, 7:36 p.m. ET The Government Accountability Office also placed the small-business lending programs on its “high risk” watch list in March, warning that a lack of information about the recipients of aid and inadequate safeguards could lead to many more problems than have been reported. The report identified “deficiencies within all components of internal control” in the Small Business Administration’s oversight and concluded that officials “must show stronger program integrity controls and better management.” The Government Accountability Office flagged 896,000 errors by lenders that were not investigated by the Small Business Administration and cited problems with the oversight of loan approvals, follow-up reporting and the monitoring of contractors. The agency, now run by Biden appointees, recently responded with a proposal to revamp many, but not all, of its procedures. Oversight veterans and some lawmakers say they want to see a more cohesive approach and more transparency from the Biden administration. “It is just staggering how little oversight there is,” said Neil M. Barofsky, who was the special inspector general for the Troubled Asset Relief Program from 2008 to 2011. “Not because of the fault of the people who are there, but because of the failure to empower them and give them the opportunity to do their jobs.” Senator Elizabeth Warren, Democrat of Massachusetts, said she had pushed hard for more oversight last year because she believed that Trump administration officials had conflicts of interest. Despite improvements, she said, the Biden administration could be doing more. “I kept pushing for more oversight — we got some of it, but not all of what we need,” Ms. Warren said. “We are talking hundreds of billions here.” She added: “The Biden administration is definitely doing better, but there’s no substitute for transparency and oversight — and we can always do better.” In a closed-door meeting with Mr. Sperling, a policymaker with limited oversight experience, Mr. Biden issued a blunt directive: “You better work closely with I.G.s, like I did,” he said, according to a person to whom Mr. Sperling later relayed the story. Later, at his first cabinet meeting, the president pressed his appointees to cooperate with oversight officials. White House officials said the current oversight system, which relies most heavily on the independent inspectors general already working in federal agencies, was operating efficiently, even with occasional turf battles. Mr. Sperling is holding regular meetings with Michael E. Horowitz, who leads the pandemic relief committee, along with officials at the Government Accountability Office and the Office of Management and Budget. They are also requiring states and localities to publish performance reports that explain how they money they received is being used. But Mr. Biden’s team is equally concerned about imposing too many burdens on hard-hit recipients, and Mr. Sperling is especially worried about the slow pace of programs intended to speed $25 billion for emergency housing relief passed last year. Watchdog groups are wary that speed could sacrifice accountability. Under Mr. Trump, the Office of Management and Budget, which is responsible for setting policy in federal agencies, refused to comply with all the reporting requirements in the 2020 stimulus that called for it to collect and release data about businesses that borrowed money under the small-business lending programs. To some observers, Mr. Biden’s budget office has not moved quickly enough to reverse the Trump-era policy. Instead, Mr. Sterling’s team is working on a complex set of benchmarks — tailored to individual programs included in the $1.9 trillion relief bill — which will be released one by one in the coming months. “When it came to recipient reporting, the Trump administration said, ‘We don’t need to do any of this,’” said Sean Moulton, a senior policy analyst at the Project on Government Oversight, a nonpartisan oversight group. “We are seeing improvement under the Biden administration, but they are also basically saying, ‘We’re not going to collect this information either.’ That’s not good enough.” Since last year, Mr. Horowitz, whose group includes the 22 inspectors general, has argued that detailed expenditure information is needed to make adjustments in the criteria, targeting and design of future aid efforts. “We need sufficient data that would allow us to be able to assess impact and effects,” he said in an interview. “Did this deliver the kind of support that was intended? You need to know that, beyond the obvious question of whether or not people stole money.” Some of the overseers have also struggled with internal disagreements. The Congressional Oversight Commission, a bipartisan group set up to track how Treasury is using money for Federal Reserve lending facilities and other funds, became stymied by disagreements about a program to prop up struggling state and local governments. Its legally mandated report to Congress was delayed for weeks, and a member of the panel, Bharat Ramamurti, accused his Republican colleagues of stalling the group’s work. Mr. Ramamurti has since left to work for the Biden administration, and the five-person panel now has three commissioners and no chair. Its latest report was only 19 pages. Source link Orbem News #challenges #door #Faces #flow #oversight #Stimulus #trillions

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