Kentucky Short Form Mortgage: Fill & Download for Free

How do mortgages work in Monopoly?When you are in need of cash, you tell the banker you want to mortgage a property. You can only do that if the property is undeveloped — that is, has no houses or hotels.You turn the Title Deed card over, to the side that shows the mortgage value (which is half of the normal purchase price), and the banker gives you that much money.While a property is mortgaged, opponents who land on the space do not pay rent. However, if an opponent lands on another property of the same group that you also own, any bonus that you would normally receive because of the ownership of multiple properties in the same group, you still receive. So, for example….You own Reading Railroad and Short Line, and decide to mortgage Short Line. A player then landing on Reading Railroad, pays you based on your owning two railroads, not one.Suppose you own Kentucky Avenue, Indiana Avenue, and Illinois Avenue. You mortgage Kentucky Avenue, and a player lands on Illinois Avenue. You earn double the rent value because you own all properties of the color group.If, later in the game, you have more cash and wish to unmortgage the property, you pay the banker the mortgage value, plus 10%.If, later in the game, you go bankrupt, or another player acquires your mortgaged property in a trade, the new owner has two options.Immediately pay the mortgage value plus 10%. The property is theirs, unmortgaged.Pay 10% of the mortgage value immediately. The property is theirs, but remains mortgaged, and if later the new owner wants to unmortgage it, must pay the mortgage value plus an additional 10%.

When my husband and I were in early years of our marriage, we were unable to have children. My husband had unfortunately had mumps just after entering puberty, it had gone straight into his gonads, and twenty years later, a week before our wedding, we discovered that his little swimmers were “immotile" and unable to swim. Not a thing could be done about it. It was devastating.To make matters worse, we were teachers with hefty student loans to pay back, a brand new mortgage with an enormous monthly payment, and pathetically low salaries teaching high school in Kentucky. Our inadequate financial resources meant we wouldn't have the money to pursue any kind of fertility treatments. We looked into medical resources, but even the least expensive option, artificial insemination, was about $300 a month, and that didn't include other required costs like the doctor's and office appointment costs - which were not covered by any medical insurance, of course - and ovulation and pregnancy testing kits, which all added up to over $200 more. The cost was overwhelming for us. We were scraping by and didn't have a spare $500 a month for starting a family. Worse, it often took six or more attempts before being successful. It was completely overwhelming.But after two years of marriage and all the years we'd been together before marriage, our home and lives were just too quiet. I think we had always imagined ourselves as parents of a full house of kids. The quiet mornings drinking coffee before work every single day and coming home to the silent stillness work every workday were so different from what we'd dreamed about that we didn't know what to do with ourselves. After a lot of discussion, we carefully reviewed our finances and determined we could afford two attempts at artificial insemination, and absolutely no more than two. The doctor had assured us our chances were not too bad.The first insemination came to absolutely nothing. Honestly, it was nothing more than a lessen in humility. The second insemination resulted in pregnancy. Sadly, I miscarried. Then we settled back into loving each other, living each day, paying back our loans, paying off our mortgage, and feeling desperately disappointed about things.Then one day shortly after my miscarriage, a stray cat, female, dirty, and underweight, climbed up our back door and hung into onto the screened back window at the top of it, trying to peer in at me past the curtains. She was clearly trying to get my attention. I was working at our small kitchen table, as I often did, and I was amazed by her behavior. I have a lot of experience with animals but had never seen behavior like that before. The next day, she followed me halfway down the block. A cat! Cats are attached to areas, not people, and she left the area to follow me, a person she barely knew. And she continued to do it for days!My husband had never had pets before but finally, I broached the subject of bringing that cat to the vet for a check up, feeding her, and letting her at least stay in a comfortable corner in the basement now that winter was setting in. And a year later, we were happier. We had two cats and a dog. Our pets gave us comfort, focus, pleasure, and companionship. We played with them, walked with the dog through the park every day, and enjoyed picking out food and treats, personalized tags, colorful collars, and toys for them. We took a lot of pictures.Well, happily and in a complicated way, we were blessed with children a couple years later but even throughout our children's childhood's, we had a lot of pets. Now we're old and our children are grown. Our story has come full circle and we once again have only pets living with us again here at the house. We love our grown, the pets we've had through the years, and the pets who fill up our semi-retired, too-quiet lives now.

Wow, what a monumental question here! It deeply influenced life for black and white people and these divisions are still deeply felt by both races of people. They still have a profound effect on us all. This is why we laugh when people say that racism is over.Not even close.I can talk about this forever. I will try to keep it short but I will fail. I know that.Therese Van Arsdale has a brilliant answer. This is completely true.This is an interesting video which tries to “convince” white retailers to expand their businesses to black buyers, reminding them not to cut their profits by refusing black people. In the video, many white people believed that blacks were a bad credit risk and flat out refused to sell to them.You will see this evidenced today in home buying.Even after the 1968 passage of the Fair Housing Act, black Americans and other minorities have continued to experience housing inequalities.In the first quarter of 2020, the Census Bureau reported that black households had the lowest homeownership rate at 44%, nearly 30 percentage points behind white households.In a report published this month, the Urban Institute cites multiple prior studies that show that if homeownership were racially equalized, the racial wealth gap would diminish.“We also know that homeownership benefits accrue differently to white homeowners than to homeowners of color,” write Urban Institute’s Michael Neal and Alanna McCargo. “Some reasons for this are that black homeowners are more likely to cycle between homeownership and renting, which has implications for how much housing wealth they can build relative to white homeowners.This as well…..Home buyers in predominantly Black communities are being issued loans with mortgage interest rates that are 13 basis points higher than in predominantly white communities, according to a Homes for Sale, Mortgage Rates, Virtual Tours & Rentals | realtor.com®® analysis of 2018 and 2019 purchase mortgage data from Optimal Blue, a real estate information company. (One basis point equals 1/100 of 1%. The difference between a mortgage rate of 3.52% and a rate of 3.62% is 10 basis points.)"It’s a tax on being Black in this country. It’s a tax on being poor or financially vulnerable," says Brett Theodos, a senior fellow at the Urban Institute, a nonpartisan research group based in Washington, DC. "At every turn, Blacks are paying more than whites to borrow money or to access money.”While 13 basis points may seem like a drop in the bucket, the combination of that rate difference and a smaller down payment adds about $43 a month to a mortgage payment for a $281,000 home (the median U.S. home sale price in June, according to Optimal Blue). It also tacks on roughly $9,869 of interest over the life of a 30-year fixed-rate loan.Old attitudes die hard. Very hard. This causes some disparity with blacks and home ownership than with whites. Should someone not be able to buy.a home like anyone else just because of the color of their skin? I am talking to you out there who can only quote Dr. King’s speech towards the end and ignore everything he’s ever said in his entire life.NOTE: If interested, I wrote a story about a black girl and the French beret. I’ll put it on my blog.Black people were not allowed to just purchase what they wanted. If a white seller believed that item too good for a “Negro”, he would flat out refuse, even if the money was in his hand. They wouldn’t even sell toilet paper to some blacks. Ask Emmett Till. He tried to buy toilet paper in the south and was rejected. But you can’t. Racists killed him.The Sears Catalogue took away the shame from blacks who wanted to purchase things they worked hard for as well. It gave them a sense of dignity that whites had worked to take away from us. My mom bought home that book for years. Up until I was about sixteen years old. We used to absolutely love it.“They couldn't buy the same clothes as white people. They couldn't buy the same food as white people...This was part of the sort of everyday white supremacy of Jim Crow,” Hyman says. “And so, the Sears catalog allowed them a way to buy clothes that were nicer than were available in that country store, to buy food that the white people ate... It offered them a choice where they didn't have to feel second-class in their shopping lives.”What do you think this does to an entire race of people? My mother who was born in 1941 faced incredible discrimination and so did my father who was born in 1937 as a sharecropper. This wasn’t ancient history folks. These are my PARENTS.Sharecroppers…There were other rules, many of them unwritten, that blacks had to follow. Black people had to fret over their children daily as they faced a constant terror in the South. These unwritten rules that people followed then are a bit different from the unwritten rules that we follow today. Here are some of the ones that were followed to the letter during the time of Jim Crow….A black male could not offer his hand (to shake hands) with a white male because it implied being socially equal. Obviously, a black male could not offer his hand or any other part of his body to a white woman, because he risked being accused of rape.Blacks and whites were not supposed to eat together. If they did eat together, whites were to be served first, and some sort of partition was to be placed between them.Under no circumstance was a black male to offer to light the cigarette of a white female -- that gesture implied intimacy.Blacks were not allowed to show public affection toward one another in public, especially kissing, because it offended whites.Jim Crow etiquette prescribed that blacks were introduced to whites, never whites to blacks. For example: "Mr. Peters (the white person), this is Charlie (the black person), that I spoke to you about."Whites did not use courtesy titles of respect when referring to blacks, for example, Mr., Mrs., Miss., Sir, or Ma'am. Instead, blacks were called by their first names. Blacks had to use courtesy titles when referring to whites, and were not allowed to call them by their first names.If a black person rode in a car driven by a white person, the black person sat in the back seat, or the back of a truck.White motorists had the right-of-way at all intersections.It is interesting when some whites try to say that “there are no laws on the books stopping black people from doing what they want to do today”. However, many of these laws were not “on the books” either and they stopped black people dead in their tracks then as they do today.Jim Crow TodayThere are many examples I can come up with to show that Jim Crow is still with us.Today, it is shown as a sign of disrespect when blacks are called “boy”. We aren’t given the benefit of the doubt. When black people face racial trouble, we often appeal to a white person to “help”.For example, when a woman wasn’t allowed to cash her check with her husband, she instantly appealed to a white person. If you watch these racist videos, you will often see this “appeal” to a white person. It is done all the time but really isn’t talked about. I will talk about this phenomenon more in a later blog post. But pay attention to it.Black people are STILL assumed to be lazy, violent, and stupid. I can’t tell you how often I come across these sentiments right here on Quora. Black people often act in ways that is different than they act among people they are more comfortable with because if they were to act a certain way, these stereotypes that others have are enforced.The way that black people dress is usually taken by some to ascertain their social class, intelligence, or even who they are as people. You can't tell by the way someone dresses who they are but this is an idea that holds well in this country.Even how black people wear their hair. I was told by a white woman with red/blue hair that black people need to “dress” better so that people won’t think of them as thugs. If I wear my hair red, I’m assumed to be ghetto. If a white woman does it, she’s creative and fun.Black people are assumed to always be on welfare, even though whites through their sheer numbers, are on welfare as well. It’s not just black people. It’s white people too. But if black people are on welfare, its because they want to be there and dont want to work. White people are on welfare because they need it. They aren’t assumed to be automatically lazy.If a black person is in college/university, they are assumed to have been “given” that spot. It’s never because they worked for it. Obama is a brilliant man, intelligent, with a great understanding of the constitution, and editor of the Law Review, but people will say it was Affirmative Action that put him there. It is assumed that blacks don’t work hard, and are ‘given’ things. Some even believe that black people get extra points on the SAT or ACT just for being black. They are even more believed to be affirmative action beneficiaries if the college/university is prestigious.Here are some more “rules” that black people had to follow….Never assert or even intimate that a white person is lying.Never impute dishonorable intentions to a white person.Never suggest that a white person is from an inferior class.Never lay claim to, or overly demonstrate, superior knowledge or intelligence.Never curse a white person.Never laugh derisively at a white person.Never comment upon the appearance of a white female.These would get a black man/woman/child killed. You couldn’t even defend yourself if you were being beaten up by a white person. You were not allowed to strike back. Putting your hands up could be seen as being aggressive, and could get you killed.Here…Jim Crow laws touched every aspect of everyday life. For example, in 1935, Oklahoma prohibited blacks and whites from boating together. Boating implied social equality. In 1905, Georgia established separate parks for blacks and whites. In 1930, Birmingham, Alabama, made it illegal for blacks and whites to play checkers or dominoes together. Here are some of the typical Jim Crow laws, as compiled by the Martin Luther King, Jr., National Historic Site Interpretive Staff:Barbers. No colored barber shall serve as a barber (to) white girls or women (Georgia).Blind Wards. The board of trustees shall...maintain a separate building...on separate ground for the admission, care, instruction, and support of all blind persons of the colored or black race (Louisiana).Burial. The officer in charge shall not bury, or allow to be buried, any colored persons upon ground set apart or used for the burial of white persons (Georgia).Buses.All passenger stations in this state operated by any motor transportation company shall have separate waiting rooms or space and separate ticket windows for the white and colored races (Alabama).Child Custody. It shall be unlawful for any parent, relative, or other white person in this State, having the control or custody of any white child, by right of guardianship, natural or acquired, or otherwise, to dispose of, give or surrender such white child permanently into the custody, control, maintenance, or support, of a negro (South Carolina).Education.The schools for white children and the schools for negro children shall be conducted separately (Florida).Libraries. The state librarian is directed to fit up and maintain a separate place for the use of the colored people who may come to the library for the purpose of reading books or periodicals (North Carolina).Mental Hospitals. The Board of Control shall see that proper and distinct apartments are arranged for said patients, so that in no case shall Negroes and white persons be together (Georgia).Militia. The white and colored militia shall be separately enrolled, and shall never be compelled to serve in the same organization. No organization of colored troops shall be permitted where white troops are available and where whites are permitted to be organized, colored troops shall be under the command of white officers (North Carolina).Nurses. No person or corporation shall require any White female nurse to nurse in wards or rooms in hospitals, either public or private, in which negro men are placed (Alabama).Prisons. The warden shall see that the white convicts shall have separate apartments for both eating and sleeping from the negro convicts (Mississippi).Reform Schools. The children of white and colored races committed to the houses of reform shall be kept entirely separate from each other (Kentucky).Teaching. Any instructor who shall teach in any school, college or institution where members of the white and colored race are received and enrolled as pupils for instruction shall be deemed guilty of a misdemeanor, and upon conviction thereof, shall be fined... (Oklahoma).Wine and Beer. All persons licensed to conduct the business of selling beer or wine...shall serve either white people exclusively or colored people exclusively and shall not sell to the two races within the same room at any time (Georgia).Yeah. A trip. Do you think that a society, which was so deeply divided, can just come together after being apart for so long? After decades of this, do you think a Supreme Court decision was enough to change the minds of millions of white people? NO. NO. NO. This was not enough. You can see the attitudes that many white people still harbor. Check the comment section of Quora alone. Those comments are tame. Go to Yahoo News and YouTube to see how attitudes are still the same.Nothing has changed. People are still teaching their kids to be racist. You may think you’ve taught your kids not to be prejudiced and then did so with your actions. Your children see much deeper than you think. Some attitudes are subconscious and others are more blatant. AS your children grow older, you’ll see what your teachings have manifested. Diversity helps combat these negative attitudes but even that is being seen as a bad thing nowadays, especially on the Right. They believe that a diversity of different beliefs is more important than racial diversity.Hogwash. That only leads to more of the same. And more of the same isn’t working. We know that. Racism is alive and well, and we’re keeping it that way by pushing the same attitudes that have persisted this entire time.EducationOur education systems are vastly different due to segregation in this country. I can talk about the same things that I’ve always talked about with education, but I’ll go another route today.Let’s talk about other groups. Let’s talk about disabled people. Let’s talk about the deaf community…Pearl Pearson is a black man. He was beaten by a white police officer because he was trying to get his deaf placard and couldn’t hear instructions given to him by the officer. AS he was yelling in pain in the back of the police car, the officers laughed about “fucking him up.”Even though they learned he was deaf, the prosecutor still went forward with charges against him for resisting arrest, even as he could not hear the instructions. The White prosecutor smiled, ignored this issue and went forward, only, ONLY DROPPING THE CHARGES when he realized that it would take more money to hire a black ASL interpreter.Now sign language in America is just ASL. Why are black people doing something different? Is it because we always have to be difficult? Is it because we just have too many “ebonics” in our language? Is it because we are just different than whites and too stupid to learn what everyone else is learning?If you thought any of those things, congratulations. You’re racist.Black ASL is different because of, you guessed it normal folks…segregation. Because black deaf schools were segregated, so did ASL. The language changed a bit due to the separation of our school systems.So the language is different.Many of the black teachers had a poor understanding themselves about signing so distinct differences were created. These schools had way less resources than white deaf children. This set white deaf people up for a much better future than black deaf people.So if deaf black people went through these inferior school systems, then what do you think black children who were not disabled went through? What are they going through today? Inferior schools like the one I went to held back many students who were talented, they just didn’t have the resources. In 1997, we had to share books. We had a computer class with NO computers. NONE. ZILCH. So I'm supposed to compete with white kids who grew up with computers in their homes?Yeah. I was expected to and if I couldn’t it was seen as somehow my fault instead of the continued segregation that I nor any black person ever fucking asked for.We didn’t ask for this. But it happened anyway.White PrivilegeThis is an ongoing thing that has definitely surpassed Jim Crow. Watch this video. It was made in 1969 and yet the same things are still going on. Some of the statements made by whites and blacks are some of the same arguments you hear today!Surprised? I’m not. The more we change, the more we all have stayed the same. We’ve made little progress honestly. The laws have changed, but minds have not. How is it that we’ve gone all these years since before I was born to see little progress in what some white people think?White privilege.It’s real. It’s alive. And if you’re white, you have it. There was a saying that poor white people used to say, “At least (you’re) I’m not a Ni****!”They knew that they had privilege then and they wield it with a mighty fist today.Violence and “Law and Order”Lynchings. This form of racial terror had an impact on this country. The blood of black people spilled onto the ground has done nothing but encourage more violence onto black people.The Jim Crow laws and system of etiquette were undergirded by violence, real and threatened. Blacks who violated Jim Crow norms, for example, drinking from the white water fountain or trying to vote, risked their homes, their jobs, even their lives. Whites could physically beat blacks with impunity. Blacks had little legal recourse against these assaults because the Jim Crow criminal justice system was all-white: police, prosecutors, judges, juries, and prison officials. Violence was instrumental for Jim Crow. It was a method of social control. The most extreme forms of Jim Crow violence were lynchings.Vigilante justice was nothing more than “law and order” for whites who thought this system was better for black people. Necessary to keep the peace.In each of the race riots, with few exceptions, it was white people that sparked the incident by attacking black people.In the majority of the riots, some extraordinary social condition prevailed at the time of the riot: prewar social changes, wartime mobility, post-war adjustment, or economic depression.The majority of the riots occurred during the hot summer months.Rumor played an extremely important role in causing many riots. Rumors of some criminal activity by blacks against whites perpetuated the actions of the white mobs.The police force, more than any other institution, was invariably involved as a precipitating cause or perpetuating factor in the riots. In almost every one of the riots, the police sided with the attackers, either by actually participating in, or by failing to quell the attack.In almost every instance, the fighting occurred within the black community. (pp. 14-15)The report omitted the following: the mass media, especially newspapers often published inflammatory articles about "black criminals" immediately before the riots; blacks were not only killed, but their homes and businesses were looted, and many who did not flee were left homeless; and, the goal of the white rioters, as was true of white lynchers of single victims, was to instill fear and terror into blacks, thereby buttressing white domination.The Jim Crow hierarchy could not work without violence being used against those on the bottom rung. George Fredrickson (1971), a historian, stated it this way: "Lynching represented...a way of using fear and terror to check 'dangerous' tendencies in a black community considered to be ineffectively regimented or supervised. As such it constituted a confession that the regular institutions of a segregated society provided an inadequate measure of day-to-day control" (p. 272).There is no “law and order” when the law and order works to suppress other citizens. This has never been a ‘law and order’ society. Ever. It’s a myth. It is a “majority rule” country where those who are deemed inferior will stay there, not because they want to, but because the larger society has agreed to keep them in that place.To acknowledge their own ignorance and racism is a step too far for some people and they simply aren’t willing to do it. They probably never will, just like the racists and segregationists before them. They went to their graves unrepentant racists. This is where so many of you are headed.Here lies Jim Crow. But Jim Crow is not dead. Jim Crow is alive and well. Jim Crow still lives in the hearts of many who wish to keep us divided. They wish to keep us separate and work hard for that. These are people who wish to keep their privilege and don’t believe in a united America. That only serves to keep themselves on top and others on the bottom.Jim Crow is alive and well. We can and should work together. Our shared history is terrible, frightful, racist, and evil. But we can only change our history in the future by not repeating the past.But some people never seem to learn.............Blog Post with Fiction Interlude….An Interlude for a Colored Girl here —->Sonya Abarcar's post in One More Thing...Sources:A Look At Housing Inequality And Racism In The U.S.Exposing Housing DiscriminationThe Surprising Ways Race Remains a Factor in Mortgage LendingHow Sears Catalog Fought White Supremacistshttps://www.washingtonpost.com/lifestyle/style/sign-language-that-african-americans-use-is-different-from-that-of-whites/2012/09/17/2e897628-bbe2-11e1-8867-ecf6cb7935ef_story.html