"Single payer will not solve that at all," he said Monday. Bernie Sanders begs to differ.
North Korea said Monday that “reckless remarks” by U.S. Secretary of State Mike Pompeo made it clear that Washington has no intention of resuming nuclear talks, and warned that it is now compelled to pay back “the pains the U.S. has imposed on our people.” After a teleconference of foreign ministers of the Group of Seven leading industrial nations last week, Pompeo told reporters the international community must remain united in urging North Korea to return to nuclear talks and in continuing to apply pressure on its nuclear and missile programs. Pompeo’s remarks showed the U.S. has no strategy to stop “a countdown of confrontation,” North Korea said in a statement attributed to its new Foreign Ministry department director general in charge of negotiations with Washington.
NEW DELHI/AHMEDABAD, India (Reuters) - Police in India fired tear gas to disperse a stone-pelting crowd of migrant workers defying a three-week lockdown against the coronavirus that has left hundreds of thousands of poor without jobs and hungry, authorities said on Monday. Prime Minister Narendra Modi ordered the country's 1.3 billion people to remain indoors until April 15, declaring such self-isolation was the only hope to stop the viral pandemic. On Sunday, about 500 workers clashed with police in the western city of Surat demanding they be allowed to go home to other parts of India because they had no jobs left.
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Know the 8 Foreclosure Relief
1.Forbearance– an agreement with the lender that temporarily allows the
homeowner to pay less than the full amount of their mortgage payment, or
perhaps even nothing at all, during the “forbearance period”. Lenders might
consider forbearance when you can prove to them that funds from a bonus, tax
refund, or other source will bring the homeowner’s mortgage payments current at
a specific date in the future.
2.Reinstatement- occurs when the homeowner pays the lender the total
amount they are behind in a lump sum, by the specific time in the future. A
reinstatement is often combined with forbearance.
3.Repayment plan– is an agreement with the lender that gives the homeowner
a fixed amount of time to repay the amount they are behind. They do this by
combining the homeowner’s delinquent portion along with their regular monthly
payment. At the end of the repayment period, the homeowner has paid back the
delinquent mortgage and is now current.
4.Loan modification– is a written agreement between the lender and the
homeowner that permanently changes one or more of the original terms of the
note. This makes the payments more affordable.
Common loan modifications include: ·Adding missed payments on top of the
existing loan balance. Turning an adjustable- rate mortgage into a fixed mortgage ·Extending the number of years the
homeowner has to repay the loan.
5.Refinance – Refinancing requires income, credit, and equity to support
a new mortgage or deed of trust. If your current income cannot pay your present
mortgage, it may be difficult to convince another lender to offer you a loan
with a reasonable interest rate. Based upon the more stringent standards of
qualifying criteria for loan applications, refinancing in today’s market is
becoming less and less of a viable option.
6.Short – Refinance– This is the latest trend for lenders in working with
delinquent borrowers to avoid foreclosure. The lender agrees to refinance the
home with a reduction in the principal balance. Sometimes the lender will also
reduce the interest rate as well on the new loan. The borrower needs to provide
proof of a “hardship” and fully document the ability to pay the new mortgage.
7.Bankruptcy– A bankruptcy may allow the homeowner to discharge some
debt and reorganize others to keep the property, however, if homeowners do not
or cannot make the house payment after the bankruptcy, the home is foreclosed
on anyway. It is not recommended for real estate agents to list the property
and try to negotiate a short sale while the homeowner is going through this
process. Homeowners need to seek legal counsel if they want to pursue this
8.Short Sale– If the sale proceeds are less than the total amount owed
the lender, the lender(s) may agree to short payoff or “short sale” and write
off the portion of homeowner’s mortgage that exceeds the net proceeds from the sale