I bought a home in a shitty neighborhood in Northern California 3 years ago for 0,000.
I owe 3,000 on it now.
My house just appraised for 0,000.
I had a baby in 2007. My outlook on life has TOTALLY changed. I’m now thinking "oh God, there is NO way I want to send him to the public schools around here or have him grow up witnessing the way people around here act and talk in public. (lowwwww claaass, THE definition of it, trust me)
I cannot refinance and my mortgage company said they are not willing to adjust my loan because I make too much money and have no credit card debt and no car payments (yeah, im totally bragging for those of you who sit on yahoo answers reading questions all day trying to come up with clever put downs).
My credit score is 790, I have NEVER EVER missed a payment in my life, we have mortgage protection, life insurance, everything we need to cover our ass if we can’t make our mortgage payments.

I have enough cash to put down on a HUGE house in a BEAUUUTIFUL neighborhood. My mortgage payment would be ,000 LESS than the crappy house i’m in now, I would be able to send my son to a public school in the area and I wouldn’t be surrounded by "ghetto-ness"… yes, that’s a word… lol. If you lived here, you would SO know what I mean. I was only 22 when I bought the house… that should explain everything.. Woooops, im human, i made a mistake… but its ALL i could afford at the time.

My father-in-law has offered to use his credit and our cash to put us in the house of our dreams. He already owns his house, all the investment properties he wants, a retirement home, a vacation home, has a sh*t load of cash, so he wont necessarily "neeed" his credit any time soon. We would only be "using" his credit for 2-7 years until we can assume the loan. I heard you are eligible to apply for a new home loan in 2 years now that foreclosures are "the in thing" lol… but i dont trust much of what I hear on the streets so i’m going to say "2-7 years."

MY QUESTION for any tax consultants, mortgage professionals, lawyers, anyone out there who can help with USEFUL information, etc..
what are the down sides to this?

Retarded comments/worthless information will be disregarded.

THAAAAANK YOUUUUUUUUU : )

I might apply there since I heard it’s pretty easy to get into but i wanted to ask some questions from people who know the area of the school or former students. Well I’m African-American so are there a lot of other minorities there or would i be the only one? Also I wanted to know what is the weather like in Humboldt? Are the people generally nice? Will I probably have any problems since I’m black (I heard rumors the area is racist) Also what type of activities are in the area?

Me and My boyfriend are going on a vacation for 1 wk in august. We have been on plenty of weekend retreats together but never for a full week, so this one is kinda special to me. He has always planned everything before but this time it is my turn. So we are down to 2 choices and I want to leave it up to the answers community to decide.
Choice A
A road trip from our home in seattle to yellowstone national park in WY. We would stop off a few places and stay a night or 2. Drive thru ID, MT, WY, and WA. Just the two of us.
Choice B
Take a train from our home in Seattle to a beach town in northern California(would be great if you could suggest 1), rent a lil cottage or stay in a hotel on the beach for a week.

Please tell me if you think we should do choice A or choice B and why you think we should choose that one. If you pick choice B please let me know where a good place in northern Cali is. Thanks for the Help! You will be rewarded for GOOD answers!

I got my acceptance letter and I am not sure if it is or not. I applied asa back up school.
PS: Which is better Sacramento state or Humboldt?

would you reccomend this college. what is the area like. is it a good place for a 19/f from boring-town wisconsin?

1. cabo san lucas (0 flight/hotel for 3 days)

2. road trip from northern california to san diego taking the scenic 101 route

advantages of number one? well it’s mexico! i’ve never been there before.. and i need some rest and relaxation.. i haven’t been on vacation since february

disadvantages? well it’s sorta pricey

advantages of number two? cheaper.. plus i’ve never been to san diego either.. looking forward to just driving on the road to clear my head.. and take in the sights of highway 101.. and highway 1 on my way home

disadvantages? i heard it might rain this weekend =(

looking for map diracaction; from brooklyn .ny11223 to hilton garden.inn/newbugh.ny.12550