When homes go into foreclosure, the owners are often far more worried about the mortgage payment than anything else. There are numerous costs involved with owning a house, though, and all of these need to be paid before and during the foreclosure. If they are not paid, and the homeowners are able to stop foreclosure before losing the home, they can quickly find themselves back in the same situation, in danger of being sued again for delinquent property taxes, homeowners association fees, or find themselves owning an uninsured home. Even worse, the lender may impose an escrow account or forced insurance on the property. Thus, it is important for foreclosure victims to keep on top of as many of the payments relating to the house as they can.

The county and city property taxes work slightly differently from the other charges mentioned above, due to their higher priority in the foreclosure proceedings, but they, along with any other liens on the property, will be wiped off after the sheriff sale of the house. When the sheriff sale is conducted, the house will be sold for whatever the highest bid amount is. These proceeds will be used to pay off everything that is affecting the house. First to be paid is any delinquent or currently due property taxes. The county gets paid first if the homeowners do not postpone the sheriff sale or work out a solution to prevent foreclosure.

If the foreclosure victims can not save their house, there may be a possibility of delinquent taxes being added as a lien on the property before the foreclosure. The lender will try to prevent this, as they will want as much of their money as possible without a tax lien, which will include the costs for obtaining the lien, as well as the taxes themselves. However, this possibility depends on how the property tax is being paid, whether through escrow with the mortgage company, or if the homeowners are paying it on their own.

If property taxes are paid through the escrow account, then the lender will pay the property taxes as they come due. Of course, the amounts paid for taxes will be added to the total payoff needed to sell the house or refinance to stop foreclosure, but the taxes will be paid to the county on time. The bank will not let the house go into a property tax foreclosure while they are pursuing their own foreclosure, and this gives them the opportunity to add more interest and charges to the total payoff, as they can stack up more junk fees on a negative escrow balance.

If the homeowners are paying the taxes on their own, though, and they get behind, then the proceeds from the sheriff sale will be used to pay off the property taxes. When the sheriff sale is conducted, the sale price will be used to pay the taxes first, then the mortgage, then any second mortgage and other liens. But the property taxes will be paid, in order to prevent the county from taking possession of the house. The possibility of the county obtaining a lien on the house may be small, but it is usually enough for the bank to impose an escrow account on the homeowners. They simply pay the delinquent taxes and add that amount to the total payoff, along with related charges and interest, which drives up the amount needed to reinstate the loan or avoid foreclosure completely. The homeowners may not even know they are now paying extra every month to keep up a new escrow balance, until they have saved the home and are now making regular payments again — it is just that the payments may be much higher than they originally were due to the imposed escrow payment.

After the property taxes are paid off through the sheriff sale, the first mortgage will be paid off with as much of the proceeds as are left. If there is not enough to pay the first mortgage completely, then the Homeowners Association (HOA) and other lienholders will simply get nothing.

Now, the HOA could try to sue the homeowners after the foreclosure for the amount of fees that were owed up to the date that they were no longer the owner of the house. It may not be worth the time or effort for them to try to sue and obtain a judgment, though, especially as it is commonly known that most foreclosure victims do not have the extra resources to pay a deficiency judgment and little motivation to work out a payment plan or other arrangements. It is more likely the HOA will simply give up on collecting the fees, as they will not be able to cover the costs of the lawsuit.

Hazard insurance, the last of the costs most commonly associated with the mortgage payment, is usually paid with the mortgage in the escrow or monthly payment. If that is not being paid, or the owners are responsible for paying the insurance on their own, there will be no lien placed on the property for it; the house simply does not have hazard insurance. If anything happens to the house while the insurance is not paid, the insurance will not cover it, obviously. This is another charge that the bank can impose on the property, if they know that the foreclosure victims are not taking care of it. Mortgage companies certainly do not want to loan money on a house that, if it is destroyed, will be a complete loss to them; insurance is most often mandatory for obtaining a loan in the first place.

The longer the foreclosure goes on, the higher costs will climb and the more difficult it will be for homeowners to solve the crisis and prevent foreclosure. Various expenses will still have to be kept on time, including the property taxes, homeowners association fees, and hazard insurance, or else the danger of future foreclosures will be present, or the lender may impose a forced, expensive escrow account to make sure they are paid. Extra liens may be placed on the title, and the homeowners may be sued after foreclosure or find that their insurance has lapsed and will not cover any damages that occur to the property. Thus, homeowners may find that they are fighting foreclosure on numerous fronts at once, but they need to be aware of all of the possibilities of letting their housing payments go into default. Foreclosure is obviously the most pressing concern, but it may be all the little charges that cause them to lose their homes, unless they gain enough foreclosure information to understand the entire process and what is truly at stake.

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Few of us ever plan on needing drug or alcohol rehab, and unfortunately, some of end up needing it without the insurance coverage to pay for it.

With a month’s stay at a private rehab running as much as $20 000 or more, few of us have the savings to self finance a stay at rehab; and unfortunately a lot of us have jobs and homes and families, and although we are in need of assistance, we also do not qualify for state of federal treatment funded aid.

Too poor to pay for rehab, and too rich to qualify for governmentally funded treatment; truly stuck between a rock and a hard place.

You may have heard about more affordable programs, but a Google search doesn’t seem to help much, and where can you go to learn more about the options available to you?

There are options

Thankfully, there are more than 2000 free or very affordable drug and alcohol rehabs in operation coast to coast. These non profit or charity programs do not base entry on your financial situation, but on your need for help. You can find a program that’s going to help you.

Private Rehabs with “low Income” Beds

A lot of private facilities will reserve a certain number of treatment beds for those in need of subsidized care. Treatment is unlikely to be free, but the fees are generally based on your income, family size and ability to pay for care, and can be quite affordable.

Because you will receive the same treatment as others in the program who may have paid tens of thousands of dollars, this can be an exceptional situation and you can expect a very high level of care, service and accommodation.

General Non Profit Rehabs

There are hundreds of treatment facilities in America that exist to serve lower income and uninsured participants. These non profit entities offer comprehensive therapy and often in very pleasant environments. While treatment is rarely free, most programs will not turn away those in need, regardless of their ability to pay for services.

The Salvation Army and Gospel Missions

Sometimes overlooked, these programs do not offer luxury, in fact the lodgings tend to be quite Spartan, but for those with nowhere else to turn, either of these organizations offer sanctuary, treatment and hope. Programs tend to be long term, free of charge, and open to all willing to participate in a Faith based program of recovery.

Recovery Housing

Another often overlooked therapeutic environment is sober living housing. A sober living house does not offer the therapeutic intensity of a drug rehab, but they can be very inexpensive, and will offer long term sober residence and a safe and supportive environment for recovery. Most will require that you work and attend AA meetings during your period of residency.

The unfortunate reality is that although a great many facilities do exist, they can be very tough to find. Thankfully though, there are options, and you just need to find them.

You can get better!

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Burwins Cars is a family business operating nationally with its head office based in Wigan. We offer a choice of quality used cars prepared to an excellent standard. Our quoted prices are “fixed prices” hence, the price we advertise is the price you pay. No haggling, bartering or hidden extras. We pride ourselves in offering our customers a “complete” package which provides them with a refreshing peace of mind. Our aim is to provide all customers with enough information to make a well informed purchasing decision. We will disclose all information about the vehicles history, condition and promise not to provide any misleading information before, during or after the sale. Customers can view the vehicle upon request and all of the checks, services and warranties will be completed to ensure that every vehicle is both fit for purpose and is exactly as advertised. Please contact us today with any questions you may have and remember, we only make promises we are able to keep. All cars we offer for sale must meet our high standards and are presented with the following as a minimum: •6 Months MOT with Free “MOT for life” on selected Vehicles •Meet relevant Service requirements •Standard Manufacturer’s Warranty OR Free 3 Month RAC Warranty •Free 3 Month RAC Breakdown Cover •HPI Certification •Free 7 Day Aviva “Drive away” Insurance Policy •Periodic Maintenance Inspection Checks •RAC Inspection or Duty of Care Check •Pre – Purchase Inspection Checks •All cars are Valeted to our high …

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There are three primary functions of Insurance which determine how Insurance companies operate and how the public interacts with these companies.

The first is as a risk transfer mechanism, whereby the individual or business can shift some of the uncertainty of life onto the shoulders of others. In return for a known premium, usually a very small amount compared to the potential loss, the cost of that loss can be transferred to an insurance company. Without Insurance there would be a great deal of uncertainty experienced by both the individual and the enterprise, not only as to how and whether a loss would occur, but also to the extent and size of the potential loss.

The second primary function is the establishment of the common pool. The Insured’s premium is received by the Insurer into a fund or pool for that type of risk, and the claims of those suffering losses are paid out this pool. Applying Bernoulli’s ‘Law of Large Numbers’, because of the large number of clients that any particular risk fund or pool will have, Insurance companies can predict with high accuracy the amount of claims or losses that might be suffered over a period of time. The will be some variations in losses over different years and Insurance companies include an element of premium to build up a reserve, to pay for additional losses in bad or catastrophic years. Therefore in principle, subject to the limitations of the type of cover bought, the client should not have to pay additional premiums into the common fund after a loss or claim.

The third primary function of Insurance is to provide fair and equitable premiums. Assuming that a risk transfer mechanism has been set up through a common fund or pool, the contributions paid into the fund should be fair to all parties participating. Each party wishing to insure and paying into the fund will bring with it varying degrees of risk. To avoid adverse selection and provide equitable premiums each risk is broken down into various components and rating factors that can be priced individually on a statistical scale of probability determined by Actuaries. Therefore those who present the greater statistical risk will pay more into the common fund for the same cover, when their individual premiums are calculated.

Insurance companies employ underwriters to reduce the problem of adverse selection and protect the fund. The underwriters will determine parameters of the hazard and value of a risk that is acceptable for the fund, and decline risks that fall outside these parameters. In fixing a fair level of premium they must also take into account the contributions made by others into the common fund and price accordingly.

Underwriters and insurance companies will employ many techniques to deter or price adverse selection out of the risk pool. These typically include exclusions to cover in the form of policy wordings and additional conditional clauses, exempting the risk under certain conditions. They will employ all types of mechanisms and devices to install fear into the population to increase the size of the risk pool and attract the niche or sector of the market that they are aiming for. For example large marketing campaigns aimed at the ’safe’ sector e.g. women drivers who are statistically less likely to claim. On the Internet, Insurance companies employ automated underwriting that excludes cover to everything that does not fit the desired risk pool parameters.

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HealthCare.gov, the website required by the Affordable Care Act that helps consumers take charge of their own healthcare by putting the power of information at their fingertips, now has pricing information in it’s Finder section. More info at: finder.healthcare.gov HealthCare.gov Take health care into your own hands. We accept comments in the spirit of our comment policy: newmedia.hhs.gov US Department of Health & Human Services (HHS) www.hhs.gov

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It is legal and audit-safe to claim any medical expenses on taxes that exceed 7.5% of adjusted gross income. Deduct medical expenses on tax returns that exceeds this amount, safely and legally with tips from an experienced tax professional in this free video on tax deductions. Expert: Kristen Brand Contact: www.accell-us.com Bio: Kristen Brand has over eight years of accounting experience. She is a CPA in Florida and is a practitioner in Florida’s Certified Audit Program for sales and use tax. Filmmaker: Christopher Rokosz

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