This is a great Human Interest Story on a Northwest Indiana Garbage Man.
January 28, 2010
BY JEFF MANES jeffmanes@sbcglobal.net
“… If I do not stop to help the sanitation workers, what will happen to them?”
– The Rev. Martin Luther King Jr., April 1968, Memphis, Tenn.
Chris Wilk lives in a gorgeous 3,200-square-foot home in Wheatfield with a finished 1,200-square-foot basement.
He and his wife, Gina, also have acreage. Their back yard features a gigantic swing set, sand box and an in-ground trampoline for their 9-year-old son, Ben.
Wilk, 36, can afford it; he pulls down $80,000-plus per year with benefits.
He’s a garbage man.
. . .
“I grew up in Crown Point,” Wilk began. “I wrestled (at 125 pounds) for Crown Point High School.”
Chris, wrestling for coach Scott Vlink’s Bulldogs might be part of the reason you can endure the job you do. Talk to me.
“I’m a commercial front-load driver for Waste Management. I work out of the Portage shop. I do gas stations, restaurants, the malls … .”
Do you have a partner?
“No, everybody works by themselves now, whether you’re on a commercial or residential route.”
View the Rest of Jeff’s Story: http://www.post-trib.com/news/manes/2015330,jmanes0128-wilk.article
FHA Changes On The Horizon
January 20th, 2010 | 
Author: FHA just announced that there will likely be some changes to their requirements for insuring loans in the future. The main ones include an increase in the upfront mortgage insurance premium (UFMIP) and a decrease in seller concessions from 6% to 3%.
For those who don’t know what UFMIP is, it is the “downpayment” that a buyer makes on the mortgage insurance when they use an FHA insured loan. Conventional loans have mortgage insurance (MI) for any loan that is greater than 80% of the value of the property being used as collateral. The MI had become somewhat expensive for borrowers with sub-700 credit scores, causing some borrowers to take out 80-20 loans in the past to avoid it. Because of the losses to lenders over the past couple years, there are very few new loans written like this.
FHA charges a premium up front of 1.75% of the loan amount which can be financed into the loan itself and then a monthly charge of 0.55% each month for 5 years or until the loan-to-value automatically reaches 78%, whichever comes last. This premium is set to increase to 2.25%. On a $150,000 loan, the amount borrowed will increase by approximately $750.
Charming home on dead end street in quiet neighborhood. Extra large lot compared to others in neighborhood. Fenced in yard and storage shed. Attached garage makes winters a breeze. Room to move around in this home with it’s two living rooms and bath and a half. Lower level den has new laminate flooring, fireplace, and sliding glass doors to a grilling patio. Home comes equipped with a security system. Use the 1st Time Home Buyers $8,000 Grant & make this home yours.
3 bedrooms, 1 1/2 baths, Garage, All Appliance Stay
For further listing information view here.
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