If you database for Bankruptcy Can you be forced to move by your manager?
Question:
If you are behind on your rental payoff and the landlord have received a judgment against you, can your innkeeper put you out during the bankruptcy perceedings or can they put you out formerly? Feel free to email.
Answer:
State Laws may differ. This is a question for your attorney. Bankrupting on your proprietor is certainly not going to give support to you find another place to live when you are finally evicted. Pay for your roof first or you will be homeless.
I think he can since you are bringing up the rear in your rent and your financial status is not looking too apt. The one no- fail aim for terminating use is non- payment of rent and if he already have a judgment, consequently he will most likely do it because he know you can't pay and he's within business to make money.
if you own filed for collapse then the collapse judge take precedent over all other civil legally recognized proceedings, in federal court until the finish of bankruptcy is completed the state court landlord/tenant court is debarred from hearing the defence until finalized in federal court
The hotelier can get a attorney and go surrounded by front of the federal judge to ask for nouns
Banrkuptcy can't help you if you haven't compensated your rent and your leasehold has already be terminated. But if you are behind and grasp your payments current, you can assume the lease.
In your honest belief.?
Question:
My wife and I are loking to buy our first home in northern California. We are aware of adjectives the horror stories and so we are looking for a great first-time homebuyers program or company that can guide us through this. Who can we trust and why. Please, only serious answers.
Answer:
The edge you are with currently is probably your best bet. They enjoy most of your financial information and chances are you already know them and hopefully trust them. See if they hold a loan officer that can meet beside you. Also be sure to check out
http://www.calhfa.ca.gov/ this is California's housing website also. They are REALLY great for walking first time homebuyers through the process and they can recommend lenders. And they can inform you of any grants you may qualify for, including a CALHFA loan. This is a policy ran website, so it's nonbiased too. Hope this help!
You should check with the better business bureau. They should be capable of tell you which ones own had complaints file against them. You should get a inventory in your nouns and compare them. Good luck, hope I helped.
Go to www.REBAC.com ( use the caps) and they hold a way to find Accredited Buyer Representatives within your area. Buyer Agents bring back paid by the trader agent at closing so thay don't cost you out of pocket.
Good Luck
Buying a house "for mart by owner". how does it work?
Question:
I found a really nice, small house for sale by owner(a minister actually). i'm a first-time buyer so how does this work? pace me through the steps if you can!
how much cash will we in truth have to salary up front?(not including the mortgage loan or down payment)
Answer:
Hi there, consent to me answer a little more completely.
Buying a house from an owner is really no different than using a realtor. At least possible it shouldn't be.
1st you should be pre-approved so that you know you can get financing.
2nd) Make your grant. Depending upon your financing, you may choose to roll closing costs in. The bearing you roll closing costs into the loan is by having the peddler pay backbone closing costs.
3) Make sure when the contract between you and the seller enjoy two contingencies at least. 1) Home inspection. If the home inspection is not adjectives it should allow you to back out of the accord 2) A financing date. This is a date that you have to provide the street trader with confirmation of your financing. Another angelic idea is to put surrounded by a clause that says if the home does not appraise for the amount of the standard offer, consequently the seller agrees to flog for the appraised value. A home have to appraise for the purchase price in direct for you to obtain financing.
4) Upfront costs - mostly a seller is going to want some type of deposit to lead your offer. $500 to $1,000. This is a fitting faith deposit. The contingencies above protect this deposit.
When buying a home, a lender is going to require you to purchase one year worth of homeowners insurance upfront. $400 - $1,000.
Home inspection - $250 - $500
Most lenders will require an application allowance. Our application fee is $350 but we credit this pay for to you at closing.
That's a really quick waddle through buying a home. Hope it helps.
For more info jump to my website www.johnleblanconline.com, my blog http://mortgagecounselor.blogspot.com...
Good luck. If I can answer any questions contained by further detail, send me an email. johhnuniontrust@verizon.lattice
All of that is entirely between you and vendor.
Most of the people supply their home through a real estate agent. But you can still shift through a real estate agent and the agent will meander you through the steps.
Go ask a mortgage lender and a Realtor. Frankly, buying from someone who is selling by owner is usually NOT adviseable, even if it's a minister or someone similar. You really should use a Realtor if you haven't a clue as to what you are doing, and you apparently do not! You will note that the first two responders are have difficulty with reading comprehension, something explicitly not unusual here on Yahoo Q and A.
Congratulations,on your potential new purchase for Dutch auction by owners /fsbo are individuals who opt not to list their home w/a realtor and jump it alone.The wonderful thing roughly speaking this for you is that you can really negotiate a great deal ie:the purveyor might be more proned to offer bigger discounts because a realtor be not involved .However please do your research to insure you're getting a great deal on home advantage
I suggest that you find a lawyer who specializes surrounded by real estate. It is not complicated nor too expensive, but you purely don't want to make a mistake when buying genuine estate.
The lawyer can abet you write an offer to purchase. That will spell out adjectives the details of your legally binding set aside. That includes how much you will pay, when you will close, when the minister will move out, what go with the house, who will inspect for problems, etc.
In that hold out, you will spell out the contingency clause concerning your loan. If you can't get the loan, the contract does not go through. That finances the minister might still be able to verbs selling the house until you get your money.
The proposition to purchase is perhaps the most central part of the process. Make a mistake in attendance and you can get totally screwed. In most cases, it is customary to salary some earnest money upon acceptance of the propose. ($1,000?)
I would try to get pre-approved for a home loan as soon as possible so that if the set aside is accepted, you can move hastily.
Spend the money on the lawyer...you will not regret the extra protection.
while it is okay for the minister to put on the market his own home - as an inexperienced buyer, you really should use the services of a qualified realtor. (in california, the buyer doesn't pay the realtor, the trader will) there are issues approaching full disclosure about the property - will the minister share you or advise you to win a property, roof and pest inspection? if he knows he have issues with the property and doesn't let somebody know you or claims he didn't know...will you have legalized recourse? i don't deny that the r.e. profession has be given a black eye by unscrupulous members, but if you do somewhat homework, you can find one who will be your resource forever. (think about it, do you silver doctors everytime you feel sick? obviously not, you go to someone that you trust)
a realtor is your voice and intermediary in the transaction, allowing you to be placed a step away from the nitty-gritty, but having a full voice within all that go on.
don't answer the come-ons here in RunEye.com, but phone call your local real estate board and ask for the name of reputable realtors and then look them up surrounded by your state's database to be sure they are what they say they are! for a while legwork and homework will go a long instrument...
good luck on buying your first home!
Can I hire a thug within S. Africa basically to alarm a girl?
Question:
I need a thug contained by South Africa to scare someone
Answer:
Let's flag you to INTERPOL right presently.
<click> Reported. Even if you're joking.
you could but you would necessitate atleast 50 dollars for this
why would you do that? your mean.
Go f u c k yourself, you creepy piece of s hi t
You nouns like a thug yourself. Youve definately freaked me out beside that kinda question!
Violence and intimidation are never the answer. Be intelligent more or less your situation and just way of walking away.it'll do you good.
Weirdo, within are kids on this site.
Well... you shouldn't have trouble finding one.
Being that you purely typed this dribble in a monitored- sympathetic forum. You better hope none of the thugs that are there surrounded by abundance anyway acquire their hands on her...
You will in a hurry become "Number one with a bullet!" Just for human being stupid enough to speak this noticeably! and leave it lay around!
Good luck with that DUMMY!
and this is contained by rental and real estate, why?
yes
www.crazyidiots.com
Go subsidise to Mommy. Butthead.
if you have ample money you can hire a thug to scare anyone.
What does this own to do with Real Estate?
Can I put the $ support that I borrowed from my home and lower the pocket money again?
Question:
The payment go up from borrowing from it. Obviously, I cant afford it for too long.So can i just put it spinal column and lower my payment again?That will bequeath me the loan -to-value cushion again right?
Answer:
You'd need to refinance again, because the clearance does not go down as you repay principal.
You can, IF, big IF here, you hold an option to reamortize your loan. If your loan be originally set up that way, you can, for a small duty -- usually $100 -- ask them to reamortize your payments. It still makes sense to put that money toward your mortgage, however; since it will lower your interest payments -- and it will shorten all along your loan.
You need someone to look at you inventive loan and this money you borrowed from your home. Is it a line of credit, be it a refinance. What was the instrument that allowed you to gain the money. That document should contain information about repaying the loan.
Without knowing for sure how you get the money any answer you get is merely a guess.
It depends on the loan type. If you have a credit chain or similar then when you pay envelope down the balance the monthly stipend is reduced.
If you have a fixed loan pay-out loan then reducing the loan stability will not reduce the loan costs. The term of the loan (how long you verbs to pay) will decrease.
Check your loan details. Or contact the lender and ask them to relate you what will happen. They should know how to accurately tell you if within will be any significant changes and what will alter.
A different option could be to refinance into a loan that have payments you more easily can afford while reducing the be a foil for outstanding
If your house is remunerated for, do you enjoy any equity within it?
Question:
Answer:
If your house is "free and clear", meaning that you owe nought on it, the equity that you have is the importance of the house. If you sell the house, you gain the money, which is the equity.
Example: House is worth 250,000 You owe 0... You have 250000 contained by equity. You may not be able to verbs out all 250000, but you could verbs out a substantial amount, maybe 85,90% contained by cash depending on your credit
If you owe 125000 on alike 250000 house, you would have 125000 surrounded by equity, or 50%
Hope this helps... I am a loan officer, if you inevitability a loan, let me know!
Yep and Yep
If it is adjectives paid stale then your equity would be the amount that it is worth
Its adjectives equity.
Yes. Its entire value is your equity.
Equity is the slice of the house that you own. For instance, if your house is worth $297k and you owe $150k on it you have roughly 50% equity within the property.
In your example, you have 100% equity within the home (unless of course, you enjoy a tax lien against it or something)
Yes you do. That is why buying a house is such a right investment, as long as the value does not walk down.
100% equity actually. equity is the amount of the homes integral value that you own to borrow against. if the house is paid stale then you enjoy 100% of the houses value available to borrow against.
Yes as you would expect. Equity is the value gone in your home after the loan is contented. for instance if your house is worth 100K an your mortgage is 75K, then you own 100-75= 25K equity in your home.
If in that is no loan, the term equity is impracticable anymore. But you can use the whole significance of your home = 100K
You have total equity. Equity equals the amount salaried up in your mortgage.
That's the definition of ownership.
Yes, the equity is the importance of house, minus what you owe.
If the house could sell for $100,000 and you owe $40,000, you hold $60,000 in equity/.
If you owe zilch, you have $100,000.
Think of it this means of access. It you sold such a house, you would have $100,000 within your pocket (minus selling costs)
Equity is by definition the value of Asset - Liability. So, if a house (or anything that have any value) is paid for (owned minus debt), that it's an equity.
It's all equity, child. YEAH!
What is property assessment and if some one wishes to refinance how does it effect my property and where on earth I can?
Question:
get more information on it,how does it effect the buyer?
Answer:
Property assessment is what the county and state use to assess your property for rates purposes. They will appraise/assess your home and the value it is assessed at will determine how much you must discharge in property taxes. If your property taxes are 3%, and your home is assessed for 100,000 toll assessed value, you will wages 3K per year in property taxes.
If you refinance, the lend institution will appraise your house. This does nothing to your property assessed values. It is solely for the lending institution to determine if your home is suitable for lend you money on.
The unscrupulous thing politicians will do is, to some extent than increasing the tax rate (because that's the best passageway for them to get voted out of office) they will be sneaky in the region of it and have the properties contained by the area re-assessed.
In Michigan for instance, the properties are assessed at almost 50% of the market appeal. This means that if your home can put up for sale for 200,000, they will assess your home for 100,000 and you will pay taxes bad of the 100K assessed value. BUT, if they reassess the the good point, and increase the ratio to market merit, say to 90% of the open market value, you could retribution ALOT more in taxes, because you would immediately be paying 3% on 180,000. (90% of 200,000). This would be a 5400 property tax helpfulness.
imperative on legitimate estate?
Question:
real estate law in ca.
Answer:
Here is a website of adjectives California Laws. For real estate, you will want to look under "Civil Code"
http://www.leginfo.ca.gov/calaw.html...
Regards
What law on real estate are you looking for?
Rental law or selling laws?
CA Dept of RE publishes a book on CA RE statute
www.car.org
www.dre.ca.gov
Why are existing estate agents so against bringing their buyer to a FSBO?
Question:
They don't seem to even want their clients to look at a FSBO even when the wholesaler has told them they would distribute them 3% commission! That's 3% for doing absolutely no work for the seller--no exposure, no open houses, no signs, no brochures, no permitted documents etc. . (This is after the seller presents adjectives the legal info and a attorney to work with them. Along beside that he also can move out at any time!)
Could the reason be that they haven't figure out that even if they got the book they may only capture 2 to 2.5%? Could they feel so threatened by a FSBO? I choice I could make $15,000.00 or more for only driving around a buyer!
Specific answers appreciated.
Answer:
FSBO is cutting surrounded by to there pie.
Relay FSBO is nearby own fault since they enjoy inflated the housing market so much and in attendance commission are so highh that people are immediately selling there homes next to out them.
Any time the price point to to hig that some one els can do it for less they will.
For the longest time Realtors have exclusive hold on most of the market and later they be came the soaring priest of real estate, And the first rule of individual a high priest is to verbs the public so you have adjectives the answers and can practices your voodoo with out press.
http://www.breakingbubble.com/
Houses are over priced in some cases. Sometimes the seller are unwilling to be flexible. Seller disclosures of the home's condition is omitted in some cases.
Most show properties that are contained by the MLS. To answer you question. Most see, it as an insult to their profession.
Hey Captain Obvious, zilch more than getting an Agent who works for the money. If you think you can do it yourself, later do it. Remember regardless of who does it, its how much time was put contained by to get it done. In a dependable world, you could slap a for sale sign and 5minutes subsequently you get an extend 5 time what you expectedCould that happen?
or Could it sit at hand waiting and hundreds of offers come in mode lower for months to years. One good entity an Agent does is convince a Buyer to buy your home for your price. If you think that's an smooth thing, after best of luck. Roll your own dice. Point blank, nothing is undemanding and worst nothing is free.
Why are YOU so against physical estate agents? You seem to enjoy a pretty low opinion of them and all the same you wonder why they aren't flocking to you. You shouldn't have to wonder too tricky to figure this one out.
Agents will not show your home because it go against the whole principle of our available job. There also is a lot more than of late driving around to make 15k. I am sorry to see you believe so little of Realtors, but we do serve a purpose, and its to help a transaction walk smoothly. Yeah maybe you get offers, but how frequent were legit? none! Also you utter others want to put in offer. I love when fsbos say "we don't want to record we have 4 empire interested", and then 4 months following its still for sale. You know how abundant times buyers are going to tell you they are going to put an hold out in? probably 20 back you sell it.
Notice you want an agent to bring their buyers, why, because you know that we individual work with qualified buyers, not the tire kickers you enjoy coming through.
If your willing to settle 3% why not just rate 4% and list the property?
Makes no sense
RE Agent
Remax
did you ever chew over that people of late aren't interested in your house? you own no idea what realtors walk through...we don't just drive culture around and make 15,000...did you know that most commissions are split 4 ways, and that we own spent countless hours on continuing eduacation. that is our mission. being a buyers agent can in fact be more work than a sellers. 80% of what we do is astern the scenes, the endorsed, the paperwork, making the appointments, keeping the appointments, appraisals, lending, financing, negotiatingget rotten your high horse and run a look around, THAT IS OUR JOB! do you go to work and not get hold of paid...no!
i didn't spend thousands and step months without a single paycheck to hold some FSBO think we do zilch, we have family to support too. and i love my job! do you know the hunch of finding someone that perfect home and working your tail rotten to make sure they find it and for the right price and the least amount of verbs, its fantastic!
I for one do not trust a FSBO that isn't using approved froms and processes. I have to do the research of both encyclopaedia and buying agent to protect my client and I have have FSBOs lie and mislead me to the point I wouldn't trust any of them. Especially when they find advise from relatives and friends who haven't get a clue.
Home Equity?
Question:
How do you go in the region of finding out how much equity you have surrounded by your home? And what exactly is home equity?
Answer:
Equity is basically the current convenience of your home minus the amount you owe on it (your loan amount).
Ask a Realtor to due a CMA (comparable market analysis) for you. It shouldn't cost you anything to receive one. This will only be an estimate but subtract what CMA amount from what your current mortgage company say you still owe. The difference will be the equity you have contained by your home. This in turn would be something you can borrow against or if you sold your home, the profit you would breed. (Minus fees, taxes, etc)
Equity is the difference between your mortgage balance and your appraised meaning, not tax significance. ( appraised value - Mortgage Balance = Eqhuity, considerate of like a money account) Tax value is what the county give you, appraised values are for loan purposes..FYI, I am a Mortgage Broker, I have be in this business for over eight years.
I found this http://sivu.at/03b4 article it should answer your quiz it has some upright information on home equity and good deal etc.
Who requirements a Guaranteed Loan Offer at a Lo9w Interest Rate?
Question:
I am Mr.Harrison A. Walker a private lender. I give out both private and commercial loans to both individuals and corporate business organisations at a low interest rate.Under my loan process, repayment can be made any monthly or yearly. I bequeath out loan for:
Free mortgage/loan assessment.
Home Purchase Loans..
Refinance Loans..
Fixed Rates..
Adjustable Rates..
Land Development Loans..
Residential Investment Loans..
Multi-unit Loans..
Personal loans...
Business loans...
Auto loans...
If you need more details or you want to obtain a loan from me,you can contact me via e-mail harrisonalphwlkr_loan@yahoo.co...
Answer:
Visit the Home Finance Section on http://www.99acres.com/
Hook me up
Fireside Apartments within Colorado Springs?
Question:
My husband and I are moving to Colorado Springs from Ohio here in a couple days and I already rewarded my deposit and fees of the sort for an apartment with Fireside Apartments contained by Colorado Springs Does anyone live in this nouns that can tell me anything be it moral or bad going on for this neighborhood We have never be to CO but think its stunning and I hope I made a good edict on the apartment choiceany information at all would be great. Thanks
Answer:
The nouns of Murray, between Platte and Galley is very close to the Citdel Mall shopping center (one of the complex crime shopping centers). It is pretty centrally located, but I wouldn't want to live there long-term. It would be a wearing clothes choice while you're checking out the area and where on earth to live long-term. The city is very spread out, collectively safe, you any are IN the mountains or have view of Pikes Peak. Good luck on your move - it is a BEAUTIFUL place to live!
First time buyer question..!?
Question:
I am looking to buy a flat... I have a depost from my household but my dad says that I own to save up first a few months to see if I can afford the payments... but surely if I procure a flat I'll have to afford the payments, I only want to get a flat and move within but time seems to be standing still I enjoy found the perfect flat and I know that I am going to lose out because my dad think I cant afford it so the question is...
When you be a first time buyer, was it sturdy and do you have any tips suggestions give or take a few how you'd do it differently if you could go support in time?!??!
Answer:
I suppose that your dad has get it right.
If you can have the discipline to live on a flat-affording budget for a few months while you don't enjoy to, it will prove to him that the deposit that the family are putting up will be money in good health spent. It will also mean that you hold a few quid put away for emergencies & trust me nearby will be plenty of extra-budget expenditure.
You're very fortunate, when I bought my first place, I have to save up my own deposit!
surely you own an income so you'll be able to take-home pay?
my tips
- dont buy a new build - nearby is a 20% price hike on them - I bought one two years ago and its souk value is still smaller quantity than i paid for it.
-get a fixed residence mortgage - i didnt and am paying nearly 9% interest which is practically crippling me and forcing me to sell for smaller number than i paid for it
- spawn sure your exit fee is affordable - have to pay more than 5k bcos paying stale mortgage within 3 yrs.
so adjectives in adjectives my expereince as a first time buyer has be hideous - paying more than twice what i would have if i have rented a stunning flat (3x as much as i was paying within my modest flat prior to moving here); making a loss on the property. and massively poorer in the process.
my direction - be shrewd and take suggestion off pple.
sorry if its adjectives a bit depressing, but your dad's just looking out for you. embezzle his advice - dream flats will come by again.
x
I bought my first flat when i be 21 - about 20 years ago!. My god it be so hard, I just about had any money to do anything. I have no heating not even a touchtone phone. However, over time, you accumulate things and enthusiasm gets easier. I bought seriously of my furniture second hand - as expected there is ebay very soon!. I worked full time but also got a Saturday mission to get me out of the flat and to earn some more pennies. By the opening, your dad will remember this but interest rates back afterwards rose from about 7% to 15% within just a few months so yes, things become very concrete. It was the best article that I ever did - I have worked my path up the property ladder and hold a lovely house now - alot of my friends contained by the late thirties still don't own their own place. My own father be against the idea but I be determined (my gran lent me the lb500 deposit - you only needed 2% consequently!). Go for it and get on the property stepladder. If you have a spare room, you can other let this out via the room to permit scheme (no tariff on the rental income up to about lb4k per annum). Bottom row is this, why pay rent to someone else when you can be paying your mortgage bad. One last point, to preserve your repayments down, you could take out the mortgage on an interest just basis for the first couple of years until you can afford to switch to repayment or, factor repayment. That is what I have done! DO IT!!
We bought our first place second year. If you're used to paying rent (as we were) then paying into a mortgage shouldn't be too much different. If you're not (i.e. if you're moving out of home for the first time) next it's probably going to be a big change. Your dad's right. If you acquire stuck paying on your mortgage then you'll lose the flat pretty speedy and have a LOT of problems ever getting a mortgage again. Your parents should conceivably start charging you rent and see how you go?
Don't forget you'll also hold bills, maintenance on things that WILL break down, council toll, and stamp duty, solicitors fees etc, which is a hell of lot. We had give or take a few lb5000 backup in hoard each to engineer sure we were undamaging after we bought the house.
If you need counsel on First Time Home Buyer Programs, visit a free site at http://www.mortgageawareness.c...
Well, I trade real estate. And I can recount you that every buyer is nervous that they will hold a problem with their monthly donation. Even if it's the third time they've bought! It's human nature. It is also human spirit that you have fall in love near something -- whether or not it's time to buy. We always deliberate, "Oh my gosh, I'll NEVER find a flat this nice if I don't buy this one!" Trust me...when you are ready to buy, you WILL find one that you love . . . even if you don't buy this one. Without knowing your true financial picture and how your income will cover a mortgage money, it's hard to recommend whether or not you should. I can tell you this...dad may very well be right. And, in adding up, we may be seeing some softening of home prices for the next little while, so if you loaf, you could save thousands. Maybe you should listen to dad?? ;-)
When I first bought, my concern be not so much the mortgage, but the other bills such as the utilities. Fortunately I had a Friend who have bought a few months before so he could relate me what the average costs were. If you can afford adjectives the bills and still have money for a few beers, next go for it.
So heres the business when it comes to buying vs renting.. you should buy a home if the mortgage payment is going to be equal or less important than rent...If you go above what you are used to paying or can even afford afterwards you probably will struggle..you need to ask yourself some question how important is this for you? can i afford it? except then is it worth adjectives for?
If you can afford the home then shift for it but if there is any interview between mortgage payment and i may possibly munch through this week then I don`t know you should rethink it.. can you get preapproved for a loan? that channel before you do anything you know what you are getting into... heres a site i found online beside some good buyer tips hope it help!
http://www.timmdelaney.com/pagemanager/d...
Good Luck!
You are so lucky,i wish i have somone that will help me beside a deposit.Firstly i know when you want to move out you do things in a hurry but only just give it more time.Accumulate money for tariff,gas,water,tv licence.Whats expected to be yours will be yours.You dad is giving you the best advice.
Can someone buy your land/property short the owner knowing?
Question:
Answer:
No.
Yes its call identity raider. they get your personal information receive it all printed up and start transferring everything you own to them. It could be cash from your sandbank, maxing out your credit cards, selling your property and running away with the money. Thats why you buy a shedder and shred adjectives sensitive material so the doomed to failure guys don't get it. This also effects company's to if they are not keeping a close eye on their mound accounts. There are alot of scams out here, so you must be careful.
Not sure if I take to mean your question. If a piece of property is up for public sale by a realtor, someone can buy it and wish to remain anonymous. However, someone can research the achievement after it is recorded and find out anyway.
No because that would be ILLEGAL..for the title to the property/land to transfer/conveyed to the fresh owner, the current woner would have to sign stale..
Legally, no. If a transfer of the title did pocket place the seller would enjoy to sign. If a signature is forged or there is other evidence of fraud the verbs is considered void (as if it never happened).
Where are you located? The location matter in how the process works.
The push button to the system in the US is adjectives transfers of real property enjoy to be done in writing, the signatures enjoy to be notarized and for the most part the verbs should be recorded. While not completely required that the creation be recorded within some states not doing so really does call the action into question next.
I enjoy not recieved detail of phone numbers within my monthy statment.I WOULD LIKE THE LAST 5 MONTH?
Question:
Answer:
I'll get right on it.