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Q: I owe $500,000 on my house, which is only worth $375,000. Because our loan was an adjustable rate loan, the payments keep going up. We can't afford the house, and we were turned down for a loan modification. I have friends who are telling me to abandon the house, others who tell me wait out the foreclosure and some who have told me to short sell the house. What are my options, and what are the consequences?

SAN JOSE – A two-goal second period proved the difference Thursday night as the red-hot Ottawa Senators turned back the San Jose Sharks 4-1 at sold-out HP Pavilion. Bringing in a 9-1-1 mark for their past 11 outings, the Senators (60 points) continued one point behind Boston for the top...

Started my day Wednesday with a lone coyote, which I've seen before but never so close. On a chilly walk with the dogs backside of Christmas Hill Park, the coyote, like the one in the old roadrunner cartoons, sped by going a million miles an hour 25 yards ahead across our path. Dogs take chase. Coyote chasing rabbit. After a half mile, the coyote stopped, the dogs pulled up and headed back my way and the coyote forlornly bayed into the frosty dawn. He seemed to have lost his pack. Then, I cartoon kaboomed on the iced-over walkway next to the amphitheater and headed next for a meeting with MayorAl. Ah, never a dull Gilroy moment.

High speed rail. I've avoided writing about this for a long time because I know feelings run so hot on it. And because I wasn't sure how I felt about it myself.

Imagine feeling ill and not being able to properly express it. The language barrier causes many pets to feel this way toward their owners. It is important to know the signs indicative of pain in your pet so that you can help them with their treatment, even if they can't help identify their pain.

The San Francisco 49ers didn't wear their heart on their sleeve this season. They wore it on their cover.

It's common to not only specify whom you're leaving your pets to but also to leave some money - specific amounts or a percentage of the estate - for the animals' care. (The cost of caring for a dog over a 10-year period is estimated to be about $15,000; for a cat, $10,000.) If you set up a trust, the trustee would distribute your money to the person you've selected as the pets - guardian or manager.