the barrel is 3/4 inch its alittle big and need to reduce it but dont have the moneyso in the mean time i might aswell use itanyone got any good ideas? all i got to use is cardboard paper and aluminum foil on hand to use oh and glue
Well, if that's all that you have on hand then make bullets out of cardboard paper, aluminum foil, and skip the glue Later on you may consider making a trip to a hardware store to see if they have any ball bearings that might fit your barrelAnd just to throw some ideas out there - consider rolling your own frangible ammo out of pottery clay (let it dry or maybe bake it), wire wrapped in duct tape, or plastic beads (not glass, plastic)Also, I recall as a kid melting plastic rulers in acetone (nail polish remover, paint thinner) to shape into various sculptures, you may consider using the same method to make your own ammoLike I said, just throwing ideas out there.
Get a buyer for the houseONce the sales price is known, contact the lenders and see if you can arrange a short saleDocument any and all conversations with the lenderGet everything in writingGood luck
Sell it and take the hitYou don't have another option if no one wants itNegative equity to be considered a debit in the divorce settlement.
You could rent out the house, both go your separate ways, and split the income until the house price has risen enough to get out of negative equityAlthough this would only work well if the split is amicableAlternatively, I have a friend who is divorcing - they are in a similar situation, so one is going to stay in the house, and get a tenant for their spare room which will help cover the mortgageThen they will sell the house in a few years time (again, would require an amicable split).
This is the sort of case where a specialized real estate entrepreneur [shark] might actually be usefulWhat you want is someone who will take over the house subject to the existing mortgage(s)Oh, sure - the mortgage likely says that it is due on sale or transfer, and the Shark will handle that His method is simply to be honest and confront the lender - the property is underwater [negative equity], in part because of a bad lending decision that they have to stand up forHe proposes to take over the property subject to their lienHe intends to make all payments in full and on timeIs this a better deal for you (lender) than foreclosing on the property and eating the loss that will create? [Typically 20% or more of the loan amount.] Given all of the above, will lienholder waive the right to accelerate the loan? [NO - Shark will not legally assume the loan (substitute his credit for yours) unless the lienholder pays him to do that - typically by writing off (reducing) the principal due by at least 15% and reworking the interest rate downwardWhich they won't.] Despite what looks like a poor outcome [you still legally owe and the lienholder can still sue you for any payment shortage], you could well come out ahead - you move to somewhere significantly cheaper out of pocket while someone else makes the payments and does the worrying{PS What does Shark do? Depending on local laws, he does a lease to own deal with someone who has income but very poor creditTheir payments will be larger than what your payments were.} I'm sure there are any number of Sharks out there in your community, as there are everywhere in AmericaTypically, their sign says I Buy Homes[Disclosure: I am not not nor have ever been in the business of being a SharkI do know someNo, I will not refer you - which would violate the ethics of this forum.]
