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HELOC lenders with borrowers in default are free to seek money judgments and use other collection methods besides foreclosure. For example, HELOC lenders can go to court for judgments against their defaulting borrowers and garnish their wages. Alternatively, HELOC lenders with defaulting borrowers might purchase their borrowers' primary mortgages and then attempt to foreclose their liens. Lastly, HELOC lenders can maintain their liens on defaulting borrowers' properties and collect what they're owed from any future sale proceeds.
Unfortunately for junior property lienholders, a senior lienholder's lien foreclosure normally also eliminates most junior property lien types. For example, mortgage lenders typically foreclose when their borrowers default. A mortgage lender's foreclosure will lead to the elimination of any junior liens beneath its own senior lien, which is frequently where HELOC liens are found. Also, HELOCs not used for home improvements could be considered taxable income after they're foreclosed, meaning the borrowers could face tax payments on top of foreclosures.
Bills.com: What Will Happens if I Default on My HELOC Loan?
The Mortgage Professor: What is a HELOC?
Guerra, Tony. "Can Default on HELOC Cause Foreclosure?" Home Guides \| SF Gate, http://homeguides.sfgate.com/can-default-heloc-cause-foreclosure-51570.html. Accessed 21 April 2019.
Costa Mesa would need $81 million in additional revenue to complete a list of spending projects over the next five years.
That's according to the wish list the council created last month to prioritize and execute the city's needs and wants.
"Even though you may not have the funding source today, you still need to cast the need in the form of a budget so you can understand the scope and magnitude of what we need to generate in revenue or control in expenses to achieve that goal," said Councilman Steve Mensinger. "It can't become a priority if you don't know about it."
An earlier version was missing the word "wants" in the second paragraph. Additionally, the headline incorrectly said $81 million is needed. The city would only need that much if it tried to accomplish all the iniatives.
True to the council majority's word, the spending priorities laid out in the five-year projection lean heavily toward capital improvements and infrastructure.
Costa Mesa would need to spend $20 million over the next five years to improve streets to meet the council majority's standards, and $7 million to repair alleys, about 41% of which are in poor condition.
The plan projects $110 million in spending for the next five years, with projected fund balances covering nearly $30 million. If city employees continue to contribute toward their pensions at the current rate, or at a higher rate, millions more could be funded, according to the projection.
The council said it would need more than $19 million to upgrade the city's drainage system, which proved to be outdated during a weeklong deluge two years ago.
Costa Mesa's sports field and Fairview Park require together at least $19 million in rehabilitation and renovation, according to the projections. The city libraries need more than $7 million in upgrades.
Not all of it can be done in the next five years, council members said. Some can be accomplished through increased revenues, reduced expenses and possibly with a bond measure, officials said.
But a lot of it hinges on the city's current restructuring, Mensinger said.
Specifically, that refers to reforming pensions for future city employees and adopting the proposed city charter to allow the city to more easily outsource its services.
"Realistically, before we can move ahead on the 'wish list' we need to resolve our conflicts with our employees," Councilwoman Wendy Leece wrote in an email. "We can talk about all the nice things we want to spend money on, but first we need to deal with the pension liability, and that's where the employees can help the city and agree to pay more into our 'unfunded liability.'"
"We need to look at our priorities and proceed slow each year," she continued. "It sounds good to appease some interest groups, but it is not realistic or fair."
The five-year projection dedicates $2.5 million toward paying down the city's pension liability — future pension payments — which is projected to grow.
One of the city's three largest employee groups, non-public safety workers, recently approved creating a second tier of pensions for new hires. The city is looking to do the same with its Fire and Police department workers as well.
"All these things can't happen at once. You can't fix the roads tomorrow," Mensinger said. "But it becomes the basis of our discussion on how much money should we spend and what do we spend it on."
Mr. Ranil Wickremasinghe, is to participate in the Valikamam North Hunger Strike Campaign against the Security Forces’ occupation of civilian houses and lands.
The Leader of the Opposition Mr. Ranil Wickremasinghe will participate in a day long hunger strike protest campaign to be held on 15th of this month, organized by the Valikamam North People Resettlement Committee.
According to reports Mr. Ranil Wickremasinghe is said to be participating in the protest campaign to show his and his Party’s opposition to the Security Forces for not releasing houses and lands belonging to the people of the Valikamam North region.
The Democratic People’s Front Leader Mano Ganeshan, who is also billed to participate and the UNP Leader Ranil Wickremasinghe will arrive in Jaffna to personally to participate in the protest campaign and to register their opposition to Security Forces for the illegal occupation of the lands and houses belonging to the civilians, according to the organizers of the protest campaign.
The Valikamam North Peoples Resettlement Committee with the view to strongly objecting to the Security Forces occupation of lands and houses belonging to civilians of the area, has organized a day long hunger strike protest campaign on the 15th of this month, at the Tellipalai Durgai Amman Temple premises.
Tamil National Alliance, Democratic People’s Front, National Fishermen Coordination movement, Northern Province Fishermen Alliance, and opposition United National Party have rendered their full support for the campaign and have also expressed their willingness to participate in the Campaign.
Security Forces seen newly demolishing houses in the peripheral areas.
Nearly 24 Grama Servaka Divisions are coming under the Valikamam North region and so far houses and lands occupied by the Security Forces are still not released, even more than three years after the conclusion of the armed conflict with the separatist Tamil Tigers, despite repeated appeal by displaced persons individually and collectively.
Since of late, intentions of the Security Forces became apparent when those houses located just outside the fences of the security zone border areas were being newly demolished and new fences are being shifted further and erected encompassing the new areas where houses outside the earlier security zone were standing until recently.
It is believed the recent acts of the Security Forces was a clear indication that they have decided to dug in permanently without any sign of vacating the houses and lands belongs to the civilians of the area.
Asian Tribune was unable to verify the authenticity of the allegation of the shifting and the erection of new fences as repeated attempt to contact Army spokesman failed.
I always upgrade all of my Apple (s aapl) firmware as soon as the updates become available. I’ve never had a problem with any of the new firmwares, and most of the time they improve whatever product I am upgrading. I’ve never had a problem, that is, until I upgraded my Time Capsule to the 7.4.1 firmware.
I use my Time Capsule as a NAS, not a router, so it stores all of my music, movies, documents and photos…all the important stuff. Since my Time Capsule is being used as an external hard drive for all the computers on the network, it is essential to have a fast connection. If you try to stream a movie or even music from a drive that you do not have a good connection to, the media will be choppy and could eventually stop streaming all together.
Quick tip: To ensure the fastest streaming speeds, if you are using your Time Capsule as a NAS, I would recommend connecting it via Ethernet to your router instead of using the wireless. I have found that the wireless connection is not the best method when using it as NAS.
A few weeks ago I upgraded my Time Capsule to the 7.4.1 software and did not really think much of it. A few days later, my roommate told me they were having trouble streaming music. I thought that was weird, but told them to restart the Time Capsule and the router and then try it again. They restarted both items and told me they were still having trouble.
At this point, I didn’t remember that I had recently upgraded the firmware and was thinking, “This is weird, we haven’t changed anything but my roommate is claiming the network is messed up.” Later that day when I got home I investigated, and sure enough, something wasn’t right. After about an hour of poking around on the network, it finally dawned on me that the only change I’d made was upgrading the firmware, so I decided to downgrade to the previous version, and voila, my problems were gone!
Your Time Capsule will restart and be as good as new!
Frankly, I’m shocked that Apple would release a firmware update that would cripple the hardware and am looking forward to the next revision, which will hopefully address this issue.
I had the same problem with Time Capsule and several PCs networked to it…AFTER upgrading to 7.4.1. I called Apple TWICE and declined to buy their “support” service. Credit to Apple for their tech support trying to help me anyway, BUT they expressly denied that my problems (all PCs dropping the network connection to Time Capsule, even after they worked fine for a year) were related to their software. Coincidence that it all started after I upgraded to 7.4.1? I found this post and downgraded it to 7.3.2, and VOILA! Everything works fine.
Clarification – My problem was related to trying to get iTunes to work with a TimeMachine. 7.3.2 works, 7.4.1 DOES NOT.
I tried all of the ‘fixes’ posted on the Apple website to no avail. This one worked! Clearly the firmware for the Time Machine is the culprit. Thanks for the help!
I tried twice to update to 7.4.1. Both times it bricked my Time Casule! I had to downgrade and stay with the previous version to get it working again. From reading the forums, it appears this happened to many, many users. Shame on Apple for releasing such a buggy firmware upgrade.
Had the same faulty experiences with 7.4.1. Downgraded a month ago and works fine again.
I had just the opposite experience. Under 7.3.2 wireless NAS performance with my Time Capsule was so bad I would plug my MacBook Air into the ethernet for Time Machine backups. After upgrading the 7.4.1 the problem went away and backups are speedy now.
Until I bumped into this post I didn’t realize I was supposed to be having problems.
I use my Time Capsule as both router and NAS. No problems. No complaints with the firmware update.
@Gazoobee: Actually, i would say his last paragraph is spot on, you only have to make a search on the apple support forums to see how much problems the 7.4.1 update has caused. I had the exackt same problem on my ape after updating to 7.4.1, thankfully its easy to downgrade it.
Oohh, so good to hear!!
I figured I was the only one on earth that despite several tries, did not appreciate the 7.4.1.
I’m here to testify to the problem with 7.4.1 as well. I usually keep all my hardware updated with the latest versions as well but had to downgrade back to 7.3.1 on my Airport Extreme after having problems with iTunes as well.
I can testify that the problem does exist. Upgrading (and then forgetting that I had upgraded) caused exactly the same symptoms – slow data transfer across wireless, random loss of PPPoE connections, freezing and rebooting for no apparent reason. Much happier downgrading.
I had almost the exact same problem with my Airport Extreme. Several weeks ago, none of the computers (windows included) would not stay online. Or more specifically, the connection would drop, if only for a second or two, at least every 5 minutes and sometimes every minute. It made streaming radio and watching TV on hulu.com impossible, and regular browsing very frustrating.
I started troubleshooting, and found the same thing happened when I was plugged into the router via ethernet too. Multiple restarts and resets of the APE did not help.
Next, I unplugged the router and plugged into the modem directly for several hours, and had no problems.
Then I plugged in an old Linksys WRT54G router I have laying around, and used it for several days with no problems on any of my computers. We were back to watching hulu regularly with zero issues.
Then I went back to troubleshooting the APE. After plugging it back in, the same issues started immediately. After looking around the configuration, on a whim, I decided to downgrade the firmware from 7.4.1 to 7.3.2. After that, everything started working perfectly, and has been fine for almost a month. I get reminded about once a week to upgrade to 7.4.1 and have to remind myself to ignore that notification.
I, too, hope they will come out with a new upgrade soon that fixes these problems.
An interesting article except for the last paragraph.
Troubleshooting something like that is complex and while I’m not saying you’re wrong, you don’t actually have any proof that you’re right and the problem could easily be caused by something else entirely or return at a later date etc.
A little more cautious language would be in order given that you didn’t actually go through a proper troubleshooting procedure but merely stopped after the first thing you tried seemed to work.
Bexhill United Football Club manager Marc Munday has criticised the condition of The Polegrove pitch.
Bexhill’s opening home game of the season against Mile Oak on Saturday was briefly halted at one point while a hole was filled in, and the uneven surface and long grass made life difficult for the players.
It shouldn’t be like that first game of the season and it’s embarrassing when teams come up to you and they’re saying the same thing.
Munday said: “That’s by a long shot the worst surface in the whole league and I believe the game was nearly abandoned when the referee was finding potholes in it.
“It shouldn’t be like that first game of the season and it’s embarrassing when teams come up to you and they’re saying the same thing.
Bexhill hire the facility - which is used by Bexhill Cricket Club during the summer months - off landowner Rother District Council, who they also pay a fee per game to lock the ground’s perimeter gates. On Saturday, however, the gates were left unlocked and the club believed it lost out on some admission revenue as a result.
A spokesman for Rother District Council said: “We apologise for the inconvenience caused to the club. We have spoken to the contractor and have asked that measures are put in place to address the issues raised by the club and ensure the gates are locked in future on match days.
Soul singer Michelle Sweeney has been entertaining Montreal audiences for some 30 years now, and has shared the stage with everybody from jazz great Ranee Lee, with whom she memorably co-starred in local theatre legend Roger Peace’s fabled 1986 remount of Ain’t Misbehavin’ at Montreal’s La Diligence dinner theatre, to Celine Dion in 1988, when the Quebec pop icon was on the cusp of international stardom.
In fact, Sweeney pretty much stole the show when she, Dion and Johanne Blouin (fresh from making waves in Starmania) performed a rousing medley of “The Age of Aquarius” / “Let the Sunshine In” (from the musical Hair) and “Quand on Arrive en Ville” ( from Starmania) on a Quebec television show in 1988.
Sweeney has a glamourous scene-stealing Diana Ross moment during the medley (click Time Out charted in 1994 – is back in Montreal to open local restaurateur Georges Durst’s newest venue, the House of Jazz in Laval, based on his successful House of Jazz located in downtown Montreal.
During the 1970s and 1980s, Durst opened some 20 hotspots, including Dominique’s (one of the clubs where Gino Vannelli got his start), Biddle’s (the precursor to House of Jazz, with legendary jazzman Charlie Biddle), the Bijou club as well as the Monte Carlo, a private club that boasted such members as Pierre Elliott Trudeau and Charles Aznavour.
Over the years, everybody from Liza Minnelli to David Bowie has been to Durst’s clubs. Once, when Tony Bennett played Théâtre St-Denis in 1985, his band took off with his limo after the show. So Bennett headed over to Biddle’s to sing a couple of songs.
The new two-floor House of Jazz in Laval is filled with bronze statuettes, paintings and – of course – over 100 chandeliers. The entrance also features a Wall of Fame featuring the jazz legends of today and yesteryear who have stepped onto the House of Jazz stage, everybody from Oliver Jones and Billy Georgette, to Taurey Butler and the Carolyn Fe Blues Collective. Sweeney will headline a pre-opening private party on Sep 5, as well as the official public grand opening on Sep 6.
Sweeney – who co-starred in the 1990 NFB award-winning feature film Strangers in Good Company and as the school principal Mrs. Morton in the long-running syndicated YTV high-school sitcom Student Bodies – is slated to star in theatre director Roger Peace’s long-awaited musical based on the life of Etta James. (Peace is also directing Ranee Lee in White Gardenia: The Billie Holday Musical at the Segal Centre for Performing Arts in March 2015).
There have been many memorable moments in Sweeney’s long musical career – you can read about some of them below – but her TV gig with Celine Dion still gives music fans goose pimples.
Michelle Sweeney headlines the new House of Jazz Laval (1639 Blvd. de L’Avenir) on Sep 6 (official public grand opening). Cover charge: $10. Click here for the official House of Jazz website, and here for Sweeney’s M Sweeney Styles fashion website for plus-size women.
Fashionista Michelle: Late legendary Montreal bass player Orson Clarke once told this reporter how he once drove a U-Haul moving truck to transport all of Sweeney’s stage clothes to the dry cleaner one day several years ago. “But we had to do a second trip because we couldn’t fit all of her clothes into the truck on the first trip!” Orson laughed, adding, “Michelle is one of my all-time favourite divas.” Sweeney also designs the clothes on the M Sweeney Styles fashion website for plus-size women.
THIS IS ALSO LISTED IN MLS VIA # 2018010610 AS ART GALLERY ROAD, FOR ADVERTISING. Beautiful 49.5 +/- Acres Conveniently Located In A High Traffic Area between Bedford and Mitchell IN on Highway 37. The property has egress/access from both sides of the 4-lane Highway. Note if the buyer received approval, this would be a prime location for a commercial property or multi / single family housing. The land is conveniently located on Highway 37 & Art Gallery Road. Please note 1 +/- AC located on Highway 37/ Wray Court is already noted as (neighborhood) - Marion Commercial 9405-004. This total listing includes 10 parcels being sold together which includes 2 residential homes and mobile home parks. This special property has a variety of beautiful mature trees which could be sold after purchase. Two houses in listing are on Art Gallery Rd and there are 2 mobile home Parks. One is on HWY 37. There is a large open field attached to both Highway 37/ Wray Court and Art Gallery Road. Please look at the aerial picture and to get an idea how the property borders Highway 37 and Art Gallery Road. The open field is rolling and beautiful.The property is being sold AS IS in its entirety. Please see attached AS IS Notice. All inspections of property welcome. The taxes and assessed value for all properties have been combined in one total, buyer to verify prior to purchase.
A SHORT THREE-WEEK campaign has thrown up what many believe has been one of the most boring elections in recent memory.
Yet Election 2016 was not without it’s moments and, of course, the most important part of it is still to come with tomorrow’s vote and a weekend of counting and results still ahead.
For the over 550 candidates running in this election pavements have been pounded, doors have been knocked, posters erected, and leaflets dropped. On Saturday there’ll be fears, cheers and tears at count centres all across the country.
The opening days of the campaign were dominated by a row over the so-called fiscal space. In a worrying throwback to the boom times, the parties were all arguing over money that didn’t exist. Put simply, the fiscal space is the amount of extra spending that might be available over the next five years if the economy continues to grow strongly. But it’s a bloody big ‘if’.
Sinn Féin claimed it was the only party to get the numbers right and that Fine Gael, Labour and Fianna Fáil were all out by €2 billion in their estimation of the ‘money that we might have if things are still good’.
It raised doubts about Fine Gael’s competence when it came to the economy – one of its core campaign messages. It also had a tetchy Michael Noonan snapping at reporters. But most of all it drove the general public nuts.
Barring a remarkable turnaround at the ballot box it looks like it will be, at the very least, a good election for Fianna Fáil and a lot of that is down to the performance of leader Micheál Martin.
He has been a consistently strong performer in the TV debates. He has well-argued his party’s message of fairness and people seem to be coming around to the idea that Fianna Fáil may have learned from the past, despite the other parties insisting otherwise.
Martin has touted himself as an alternative taoiseach and his surging popularity over the course of the campaign (33% to 54%) has shown his past record has been no barrier to progress.
All that said it won’t, on current polls, ensure the party can lead the next government but it’s certainly given the coalition more of a scare than it would have anticipated in this campaign. Fianna Fáil aren’t exactly back, but they’re certainly recovering and Martin has played an unlikely role in that.
During last year’s UK general election a Channel 4 comedy series, Ballot Monkeys, imagined what really went on behind the scenes in political party strategising. One fictitious party handler described themselves as “political imagineer and purposeologist”. You got a sense during this campaign that there are a lot of these in Fine Gael.
The party had an awful lot of handlers, the most money, the most research and what it thought was the best message going into the election. But ”keep the recovery going” fell flat, particularly when one poll showed the majority of people aren’t feeling any recovery. Instead of adding four or five points to its poll rating, as Fine Gael privately claimed it would, the party dropped five points in the opinion polls.
There were reports last year that the Taoiseach would play a background role in this campaign and be shielded as much as possible from the media’s glare. Instead, Enda Kenny was front and centre for much of the campaign, but this didn’t turn out to be a good thing. He took 13 attempts to eventually rule Michael Lowry out of post-election deal-making.
On day one of the campaign Kenny said he didn’t want to talk ‘economic jargon’ and exposed his own uncertainty when it comes to talking about in-depth economics. His debate performances were solid, but very unspectacular and far from the ‘exceeding expectations’ we were promised by some.
He saved the biggest faux pas for the last weekend of the campaign when he hit out at the ‘All Ireland whingers’ in his constituency. The remark went down like a lead balloon. The Fine Gael leader doubled down on the comment for 48 hours, before apologising and insisting he was only talking about a small group of Fianna Fáil councillors. Few believed him.
The McNulty misstep in Monday’s final debate also didn’t help. Kenny insisted today he’d had a good campaign – as you’d expect him to – but any objective analysis would say otherwise.
Labour didn’t have as bad a campaign as Fine Gael but it was beset by various issues, not least the behaviour of its deputy leader Alan Kelly, whose ‘power is a drug’ comments raised eyebrows and questions about his style. Kelly was less prominent as the campaign wore on. That was probably a good thing.
Labour failed to make any headway in the polls, one even put the party as low as 4%. Joan Burton’s first two debate performances were dreadful but she improved in her final outing. In someways that encapsulated the party’s campaign. It only got going when it might have been too late.
Yesterday, Labour stressed the perils of a Fianna Fáil/Fine Gael government, a strong message that would resonate with many voters, but is it all academic at this stage? Labour is facing seat losses all over the country. What’s not clear is the extent of the damage and whether even Joan Burton can hang on.
6. Sinn Féin can run a great campaign – but can Gerry?

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