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i want to move someplace other than manhattan When he refinances, he receive a statement from the bank (required by law) that lists all of the costs involved it is probably worth it to split those costs just to get your name off the mortgage but he can't just make up. If that was the case he could say that the real estate agent wants a 25% commission. The bank also do an appraisal of the value, do what the others said and contact an independent appraiser for a valuation. Refi appraisals are not as accurate as an independent appraisal. Go with a number in the middle if you think that is accurate. Your key is to put in the agreement "actual closing costs are to be equally split" Most attorneys won't go with "imaginary closing costs are to be equally split", a judge probably wouldn't sign off on it either then go with the average of the two girls that fuck in Ayr tx
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normal guy needs to be kissed Binatural's thread below got me to thinking about what the best way would be for some guys to tell their wives or girlfriends they're sexually interested in men. This would be especially relevant for guys who have been married for ten or twenty years and have wives who have no clue about their husband's interest in other men. I know I luckily outed myself gradually to my wife. First, it was just occasional comments made while having sex and being a bit drunk. I'd suggest a threesome with another guy and maybe sucking his. I think the wife just tossed those aside as drunken ramblings at first, but after a while I think she knew. I made more and more comments regarding sex with men over the years, eventually referring to myself as a queer or homo to her. I don't know that I ever said "-, I think you should know I'm homosexual". Anyway, that's what worked for me. Wasn't really perfect as I don't think she knows just how much I'm interested in other guys, but I can cross dress and play with dongs and don't have to hide it. I'm wondering, though, how someone who has been married and closeted for 20 years might be able to bring up the subject in a way that doesn't scare or shock the wife too much. Any ideas? I was thinking it would be best to set up a situation that would allow you to bring up the issue naturally. About the only thing I could think of is watching porn together but, if you don't normally watch porn, that might be too much of a shock in itself. I realize some guys just can't tell their wives. I've chatted with a number of guys who where emphatic that their wives would divorce them if they told them they were interested in men. But what about the others? free Newport News phone chat lines
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