Home Daycare Contracts

Roundtable: Area Congressional Reps Are Up Against Debt Ceiling

This morning President Obama said that time is running out for Congress to reach an agreement on raising the debt ceiling. Borrowing has become so rampant the ceiling must be raised if Washington is going to pay the bills, especially if tax increases are off the table. But Republicans and Democrats can't agree on how much more borrowing should be allowed. The consequences of making a compromise are both political and financial. The consequences of NOT making a compromise could be disastrous, as the U.S. government goes into default.

There a disagreement here between the parties, and between moderate and conservative Republicans.

FUDGE: The debt ceiling tests the nerve and the loyalty of San Diego members of Congress, and it's back to the starting line for medical marijuana shops. It's from, July†29th, and this is the midday Roundtable. I'm Tom Fudge, and we're talking about the no, sir of the week as it affects San Diego. Joining me around the Roundtable are Michael Smollens, Katie Orr, and Matthew Hall. Michael is government is politics editor for the UT. And Michael, good to see you.

FUDGE: You can chime in on the topic by calling 1-888-895-5727. This morning, President Obama made a public statement saying the time is running out for Congress to reach an agreement on raising the debt ceiling. Borrowing has become so ramp not, the ceiling must be raised. Especially given that tax increases are off the table. Republicans and Democrats can't agree on how much more borrowing should be allowed. The consequences are both political and financial. The consequences of not making a compromise could be economically disastrous. There are agreements here between the parties and between moderates -- moderate and conservative Republicans. And Michael, where do we begin?

SMOLLENS: We were talking, Tom, unlike other stories where we digest, this is happening right now. Speaker John Boehner is rewriting the bill. We we know, last night he was not able to get the vote. As you mentioned it was more a split in the party than the partisan split, and the tea party conservatives objected.What do they look today is a bill that would allow the debt ceiling to be raised by one billion dollars, and reduce the amount of money too, but it would be the hinge of a future increase in the ceiling of the debt next year on a budget amendment beg your pardon. This makes it less to believe in the pal Democrats. Chairman Boehner is really on the hook because he suffered a setback last week and faces a revolt within his party.

tips on buying a house and starting a daycare?

First of all when you are working with an agent, remember they make commission and the higher price on the house, the more commission they make, so they will steer you towards higher range homes. Have a good idea of what you can afford, what you are looking for and where. Depending on where you live, taxes and insurance a good rule is the 1% rule. A house that costs 129,000 will be ABOUT 1290/month. Check into the taxes for the area, check the FEMA web site to see if the area is in a flood zone. Get a home inspection, depending on the size it might be $ 200-400. Don’t buy a house that is older then about 1965 if possible, there may be wiring issues as well as lead or asbestos etc. Get a home if possible with a large room for the kiddos. Purchase a single story home if possible there are lots of issues with some states when providers have stairs in their home. Make sure the area has a park nearby or a good sized back yard for the kids to get their outside time. Make sure there is not lead paint in the home or leaded windows (if it is an older home). When you think you have decided on a home, go back and look at the room you will mainly have the children in, get down on your knees and look around the room real good. See if there are loose boards, peeling paint, make sure electrical outlets are securely fastened, do the same where ever you feed them and in the restroom. Check the outside of the house for poisionous plants, shrubs that may hide ticks or spiders. Make sure the fence is in good condition. If you need anything fixed before moving in and you are making a good offer the seller may pay for them or reduce the price of the home. Include anything on the contract you want when making an offer, don’t let agents bully you. Let the agent know what you are willing to do and not willing to do. Remember agents are part of a community, they all know each other, they go to big dinners and parties with each other that are held for realtors. So when you hire an agent make sure you know it’s all a big game with them (at least that is my opinion based on my experience). They want commission and they want to sell a home for the highest price possible. Don’t let them push you around. ASK FOR THE SELLERS DISCLOSURE. If you see anything on it make sure you address it in the contract and write a statement. Read the entire contract carefully. If you offer the asking price the seller should pay all the closing costs! Get a home warranty. If there are appliances in the kitchen ask that they all “convey” including the refrigerator (since it is technically not “attached”). You can ask for the washer and dryer but I never have done that, some people have though. Get the serial number of the appliances you want to keep, the owner might replace them with something broken. Write a statement on the contract stating “this contract is contingent upon the buyer being satisfied with the inspection report. If buyer is not satisfied with the report buyer has the option to opt out of the contract with all escrow money being returned in full” This means if the inspection report comes back showing major problems you don’t want to deal with you can simply walk away from the deal. Don’t give the seller any more then a 50-100 dollars. You could lose that money if you decide you don’t want the house. Escrow will always be returned to you and is usually $ 500-1000. If it is a small inexpensive house ask that escrow be $ 250 and see what they say. Make sure you understand what the loan fees are for the lending company. They can charge money to run your credit, admin fees, loan fees, etc. etc. Go to http://www.FHA.gov and check their list of local lenders, they are usually better then others i have come across. If it is your first home try to do an FHA loan. You get better rates and the down payment is only 3% max. Don’t agree to paying any more then 3%. Ask that the seller allow you the down payment assistance program, you may get out of paying the down payment if you do. That helps a lot, but try to go FHA!!! The most important thing is to read the contract and don’t do anything you feel uncomfortable with. If your realtor seems off, find a new one. They might ask you to sign a contract with them, don’t allow them to commit you to working with them for more then about 45 days. You might end up stuck with a bad realtor for six months. Get someone you know who has purchase a home and have them look over it, then get another person and have them look, then another and so on. Take in all the advice and pick out what is best for you. Let your realtor know, this is the only offer you are going to make, no negotiations. Unless you are making a really low offer tell your realtor you expect a counter offer. Sometimes they sellers agent will look at it and not respond or just say no way if the offer is really low. They may not even show a low offer to the seller.

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