November 2009 Archives

I am giving serious thought to retiring this carnival. Few people are reading it, and the amount of dross I have to shift through to get the few nuggets we have is getting larger. I have had to take the carnival bi-monthly the last couple go-arounds to get enough qualified entries to make it worth visiting. I am going to schedule a carnival for January 30, 2010, but be advised that it may never see the light of day.

The guidelines for this carnival.

As always, I arranged the entries that met guidelines into three levels, based upon originality, usefulness to the consumer, and how much thought and effort and research went into an entry.

STRONGLY RECOMMENDED

We have an Editor's Choice!

Consumers, Brokers and Mortgage Credit Reporting Agencies All Lose as National Credit Bureaus Cash In The item under discussion is "reissue" fees for credit reports, something originators have gotten used to over the past several years, but some consumers are outraged about. I would definitely rather pay more for a credit report and not have to worry about reissue fees that can eat as much again as the original report.

RECOMMENDED

Kitchen Renovation Design Ideas does have direct solicitation, but the bulk of it is a good basic primer on what to consider before you start a remodeling project.

How To Fix A Foreclosure should more properly be titled "How to deal with a foreclosure situation" because nobody can fix a foreclosure. All you can do is deal with the situation as it exists.

Bob or Jim? The Final Chapter doesn't really discuss assumptions like assumed rate of return on investments but it's good for examination of basic concepts. All of the scenarios I've run have convinced me that in general there are better options for your money than paying off your mortgage early.

Renting is for mental patients

10 Facts About Buying and Selling A House of Horrors

A Canadian entry with What is CMHC Mortgage Insurance?

Last Minute Preparations Before a Real Estate Showing

MET GUIDELINES

How To Avoid Foreclosure is very basic information.

Consumer Focused Carnival of Real Estate may return in two months on January 30, 2010, here at Searchlight Crusade, unless someone else wants to host. Deadline for submissions will be Midnight January 28th.

(This will remain on top through Veteran's Day. Scroll down for daily posts)

I think that one charitable fund raiser per year is both reasonable and an absolute limit, so I have to be very picky as to which one I choose. I could choose the San Diego Zoo, American Red Cross or many other worthy charities.

The one I have chosen is more important than that.

Project VALOUR-IT helps disabled troops who have lost the use of one or both hands in action. It can't replace those hands; what it does is enable them to connect to the internet and use a computer, both of which are becoming ever more essential parts of daily life. They stepped up to the line to defend you, your family, and even the jerk who runs this website, and for the rest of their life they are going to suffer a disability that is becoming more important to all aspects of living a normal life. I believe that helping these people live a life that is as normal as practical is the absolute minimum we can do.

There are NO ADMINISTRATIVE COSTS to this program. Every penny goes to buy these laptops, which the manufacturer sells at cost or even a touch below.

Prevent this shame from happening to us. Please.

There were thirty million English who talked of England's might,
There were twenty broken troopers who lacked a bed for the night.
They had neither food nor money, they had neither service nor trade;
They were only shiftless soldiers, the last of the Light Brigade.

They felt that life was fleeting; they knew not that art was long,
That though they were dying of famine, they lived in deathless song.
They asked for a little money to keep the wolf from the door;
And the thirty million English sent twenty pounds and four!

They laid their heads together that were scarred and lined and grey;
Keen were the Russian sabres, but want was keener than they;
And an old Troop-Sergeant muttered, "Let us go to the man who writes
The things on Balaclava the kiddies at school recites."

They went without bands or colours, a regiment ten-file strong,
To look for the Master-singer who had crowned them all in his song;
And, waiting his servant's order, by the garden gate they stayed,
A desolate little cluster, the last of the Light Brigade.

They strove to stand to attention, to straighten the toil-bowed back;
They drilled on an empty stomach, the loose-knit files fell slack;
With stooping of weary shoulders, in garments tattered and frayed,
They shambled into his presence, the last of the Light Brigade.

The old Troop-Sergeant was spokesman, and "Beggin' your pardon," he said,
"You wrote o' the Light Brigade, sir. Here's all that isn't dead.
An' it's all come true what you wrote, sir, regardin' the mouth of hell;
For we're all of us nigh to the workhouse, an, we thought we'd call an' tell.

"No, thank you, we don't want food, sir; but couldn't you take an' write
A sort of 'to be continued' and 'see next page' o' the fight?
We think that someone has blundered, an' couldn't you tell 'em how?
You wrote we were heroes once, sir. Please, write we are starving now."

The poor little army departed, limping and lean and forlorn.
And the heart of the Master-singer grew hot with "the scorn of scorn."
And he wrote for them wonderful verses that swept the land like flame,
Till the fatted souls of the English were scourged with the thing called Shame.

O thirty million English that babble of England's might,
Behold there are twenty heroes who lack their food to-night;
Our children's children are lisping to "honour the charge they made-"
And we leave to the streets and the workhouse the charge of the Light Brigade!

Rudyard Kipling

Please help if you are in a position to do so