More details about the Cross Creek neighborhood

BOUNDARIES:The Intercounty Connector to the north, Old Gunpowder Road to the east, Briggs Chaney Road on the south and west. A few streets lie just east of Old Gunpowder and west of Briggs Chaney roads.

SCHOOLS: In Prince George's County, public schools that serve Cross Creek include Vansville Elementary School, Martin Luther King Jr. Middle School and High Point High School. In Montgomery County, the schools are Greencastle Elementary School, Benjamin Banneker Middle School, and the Northeast Consortium, which offers students the choice of James Hubert Blake, Springbrook or Paint Branch high schools.

HOME SALES: Sixteen homes in the Cross Creek community have sold in the past 12 months, according to Sharon DeGrouchy, an agent with Long & Foster, with prices ranging from $330,000 (a townhouse) to $620,000. Recently, four properties were on the market, including two short sales, with prices ranging from $350,000 to $695,000. Four homes were under contract, including two short sales and a foreclosure. Prices ranged from $329,000 to $589,000.

TRANSIT: Several Metrobus lines drop off and pick up passengers at the Briggs Chaney Park and Ride in Montgomery County, about five minutes from Cross Creek. Some of those buses travel to the Silver Spring Metro station. Montgomery County's Ride-On Route 21 also travels along Briggs Chaney and Fairland roads and stops at the Briggs Chaney Park and Ride. Commuter buses to Washington also stop at the Burtonsville Park and Ride, about 15 minutes away in Montgomery County. MARC commuter trains stop at the Muirkirk station, about 10 minutes away, off U.S. Route 1 in Prince George's County. The Greenbelt and Silver Spring Metro stations are 15 to 20 minutes by car.

WITHIN WALKING DISTANCE: Neighborhood parks, swimming pool, tennis courts.

WITHIN 15-20 MINUTES: Fairland Sports and Aquatics Complex, the Gardens Ice House skating rink, Laurel Regional Hospital, the University of Maryland, the National Agricultural Research Center, the Food and Drug Administration, NASA Goddard Space Flight Center, shopping areas in Laurel and Silver Spring.

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Borrower has second thoughts about that second chance

Q. I was going into foreclosure, but the bank gave me a loan modification. I agreed to the modification at the beginning, but now I see it was a mistake and think foreclosure would be better. What do I have to do - just stop paying?

A. A quick answer to your question is yes. If you stop making your payments, the lender will certainly reinstitute the foreclosure proceedings to sell the home and satisfy all or part of the debt you owe.

The whole loan modification process has been a nightmare - not so much for the big-box lenders but for troubled borrowers. The government held out the promise that loan modifications would help people save their homes. But it was far from the truth. At first, lenders were overwhelmed by the volume of applications and lenders took forever to get through the files. Borrowers were given the impression that they would be considered for a loan modification if they met a certain minimum standard and were granted a trial loan modification.

Those trial loan modifications were anything but a trial. Borrowers were told to follow the lenders' instructions, pay a certain amount and wait for a response from the lender. However, what the borrowers got was months on hold waiting for lenders, lenders that reported those same borrowers - whom they claimed they wanted to help - to the credit-reporting bureaus as either delinquent on their loans or as paying less than required.

Those same borrowers were being hurt by the system that was supposed to be helping them. Borrowers who had stellar credit histories and credit scores soon found that their trial loan modifications had hurt their credit scores so much that they would be unable to qualify for a traditional refinance because of their participation in the government-sponsored loan modification program.

Recently released statistics indicated that only a small number of people who applied for loan modifications actually received a permanent loan modification.

Those who did not receive a permanent loan modification and were bounced from the trial loan modification received a rude awakening. Their lenders told them they would, at once, have to cough up the money to bring their loans current, even though the borrowers had paid the amounts they were told to pay during the trial loan modification. Now those same borrowers faced a higher chance of foreclosure than before their participation in the loan modification plan.

Decide for yourself whether you should make any more payments to your lender.

You might want to get a copy of your credit history from annualcreditreport.com to see how the loan modification has affected your credit history. You can download a free copy from each of the three major credit reporting bureaus at this site. The site will also offer you a copy of your credit score for about $8.

You might find this information helpful in seeing where you stand now, what impact a foreclosure will have on your future credit history and score, and what you will need to do over the next several years to restore your credit.

Q. I purchased a beach property in North Carolina with a friend a couple of years ago. We put down 10 percent and financed the rest. We thought we could sell the property quickly, but we were wrong. The co-owners have been having financial problems and stopped paying their share of the mortgage, taxes and insurance about two years ago. Since then, they have been paying the utilities and I've paid everything else.

Renting it out covers about 60 percent of the expenses, but we lose money on the whole. Our property is about 20 percent underwater.

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All You Need To Know About Jump Starters

It's something that has occurred to every one of us regardless of how cautious we are. Simply leaving the lights on whenever you park your car can make the charge drain totally from the battery, and leave it not able to start whenever you return to it. Whether or not you have left your car in the garage or within the food market vehicle park, a dead battery means the same. You won't have the ability to go anyplace. The good thing is, some individuals are sensible enough to have a set of jumper cables or perhaps a jump starter in their car always.

This basically implies that anytime you have a drained battery you could get a charge to get you on the road once more from another vehicle. As in many programs, a jump starter works by attaching a back up battery onto the electric starter of one's car, and using the charge from it to get the initial spark to your engine to enable it to start when your battery is totally discharged.

Before, a lot of individuals counted on the simpler technique of utilizing a set of cables that has a crocodile clip at either end and connecting them to the battery of another car, but presently, when you can't rely on being able to find somebody to assist you, and even then, you can't guarantee the energy supply on their own engine is compatible with yours, you really need a dependable jump starter on hand to make sure that you can get your motor running in an emergency. With that said, you'll need to spend a bit more on jump starters however the great news is that the newer designs includes some attributes and they are so strong that they can last for a long period of time.

You actually can get a standard one for as little as $60 and almost all of them possess a gadget that you can depend on in case of an emergency to provide you with that boost from another car. The basic types comes equipped with additional performance and for less than $85 you can get an excellent jump starter which has a flash light, charge a 12 volt battery and get you going again.

A few of the jump starters you will get for a little over $247. These types are sold with an in-depth features. For that amount, you can get yourself a jump starter which will give a charge to some 12-volt system. The 12-V Jump and Carry has a 2000 Amp peak flow of charge, and can also double as a trickle charger to top up your battery over night. The Jump n Carry connects straight onto the battery of your car, and includes a monitor dial to help you understand how much charge you've got.

More innovative models offer the flexibility of providing a charge to either a 12 or 24 volt system, so you only require one unit for two separate cars. They've got the ability to get the vehicle started in an unexpected emergency, What ever your engine. At the top of jump starters are highly developed trolley installed systems which are built to offer a heavy-duty as well as dependable power supply for the work shop.

This kind of models will generally offer enough charge to get up to 50 or more cars started on a single charge, in addition to providing an almost endless charging potential when connected to a mains supply. Now that you are aware of the value and capabilities of these diverse jump starters, do endeavor to purchase one that suits your car today. You shouldn't be driving with out one in your car.

As in many applications, a jump starter works by attaching a back up battery onto the electric starter of one's car, and utilizing the charge from it to get the initial spark to your engine to enable it to start when your battery is totally discharged. For more details, please visit Jump Starters

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