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BONUS CODE: LARRY
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Jul 23, 2017 16:42
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darkwasthenight posted:TB is a content creator Calling everyone racist is not creating content, HTH
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Jul 23, 2017 16:48
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I wonder if this is MLM. http://cowboywealth.com/no-substitute-for-experience.php posted:(NOT MLM) Yep, it's MLM.
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Jul 23, 2017 16:57
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Inescapable Duck posted:I really wouldn't, given all the insane poo poo I've heard of HOAs. Though I'm pretty sure a competent lawyer would be laughing maniacally. There is absolutely no way a HOA can sell someone's house from under them, I'm quite sure. (One comment suggests they're going to pretend they're foreclosing on it) The HOA might just decide to litigate the poo poo out of this, raising this couples dues to pay for the defense against the lawsuit they are bringing against the HOA, bringing other lawsuits against the couple for HOA violations, etc. It might eventually all get sorted out in court, but the HOA can gently caress things up for the couple for years if they so desire. Unless the police are interested in taking direct action, the HOA can drag this out big time.
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Jul 23, 2017 17:01
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darkwasthenight posted:TB is a content creator, if only on a limited scale, while you are a content appropriator. Please moderate your behaviour in accordance with your stated philosophy in order to avoid becoming a net drag on the content economy in this thread. I can accept that many of the discontent against me is fair (sincerely), but only if the far left is held to a similar standard. Otherwise, what is the basis for holding only the far right to this standard other than it being unpopular in liberal SA? Given that she and I often argue the exact positions, but simply opposing. John Smith fucked around with this message at 17:10 on Jul 23, 2017 |
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Jul 23, 2017 17:08
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In the grim darkness of the far future there is only derails
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Jul 23, 2017 17:13
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AreWeDrunkYet posted:I wonder if this is MLM. Also in the testimonials: quote:I had never had a good experience with any home based business of any kind. I had done everything from publishing magazines, to trying my hand in an MLM. We love the fact that this in NOT MLM.
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Jul 23, 2017 17:15
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Enfys posted:Also in the testimonials: How do you "publish magazines" from home, print out a word document and staple it together?
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Jul 23, 2017 17:16
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How does anybody buy a home or establish any serious, binding contract without reading everything twice and getting a trusted adviser to look over it again? Holy poo poo. The previous question is entirely rhetorical. ate all the Oreos posted:How do you "publish magazines" from home, print out a word document and staple it together?
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Jul 23, 2017 17:18
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Hoodwinker posted:How does anybody buy a home or establish any serious, binding contract without reading everything twice and getting a trusted adviser to look over it again? Holy poo poo. Look at how many people buy used cars without getting it looked at by a mechanic for 30 minutes.
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Jul 23, 2017 17:25
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I'm trying to figure out what exactly they do, and I'm still not sure, but they are very clear on every single page of their website:quote:Empowered by this win/win relationship, we can reach our goals together. This is not an MLM or Multi-level Marketing company. This is unlike any other work from home opportunity you have seen.
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Jul 23, 2017 17:33
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32m currently 2 months behind on mortgage, ~$10k cc debt.... in need of some advice https://www.reddit.com/r/personalfinance/comments/6p1yal/32m_currently_2_months_behind_on_mortgage_10k_cc/ quote:Hi folks my title was too vague so my post go kicked... I am in need of some advice. We have hit some financial trouble and my wife said that this would be where to ask for help. So here it goes: ~$30k car on $50k a year and many other questionable decisions.
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Jul 23, 2017 18:09
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Volmarias posted:Not sure how well this works for content, but it's definitely another reminder to Do Never Have A HOA. I’m pretty sure anyone can enter your home if there’s concern for someone’s safety, but the part about ‘interests of the community’ wouldn’t survive one day in court. But it’s all STDH because there’s no way a HOA that overbearing would have low dues since they’re getting realtors and lawyers together to sell his house. Also the noise complaints would need to involve the cops to have any bearing.
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Jul 23, 2017 18:24
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Ixian posted:Small claims will sort it out; most jurisdictions in the US deal with about a dozen tenant disputes/security deposit forfeits a day. $30 to file usually and probably another $30 if you need to get the sheriff or a process server to serve the defendant (some courts just include it). If he wants to withhold a $1250 security deposit he needs to follow the correct procedure prescribed by state law in the required time frame. Even had he correctly done so, he would then need to document his actual expenses. $1250 is a LOT of house cleaning and a rented room being left a mess would never justify that fee. Just as a point of comparison I turned over a trashed house after an eviction including furniture haulaway and rotten food in the refrigerator for $580 of labor, cleaning fees, and carpet steaming.
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Jul 23, 2017 18:43
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baquerd posted:The HOA might just decide to litigate the poo poo out of this, raising this couples dues to pay for the defense against the lawsuit they are bringing against the HOA, bringing other lawsuits against the couple for HOA violations, etc. It might eventually all get sorted out in court, but the HOA can gently caress things up for the couple for years if they so desire. Unless the police are interested in taking direct action, the HOA can drag this out big time. Litigate what? Drag what out? The lady is trespassing in his home. She can't sell his house even if the realtor let this deal get anywhere because she doesn't own the home or have power of attorney.
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Jul 23, 2017 18:55
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Motronic posted:32m currently 2 months behind on mortgage, ~$10k cc debt.... in need of some advice Assuming we use his 4 week month calculation: Income: $2,600/mo Expenses without mortgage: Credit Card Debt Minimums: $320 Cell: $200 Car: $980/mo (car note, gas @ $240/mo, insurance) Utilities: $330 (utilities @$60/mo, electric, cable) Total: $1,830 That leaves $770 a month to pay a $1,300 mortgage and also money to eat/survive on a family of four. He might break even with his bonuses but he's just assuming he'll get a $3,000 every quarter and no idea how much the bonuses will actually be. The obvious answer is the ditch the house and downgrade the car but no one will ever do that so I guess he can just borrow his way out of debt.
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Jul 23, 2017 19:14
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quote:I get a letter in the mail stating that our escrow had been miscalculated and that our mortgage payments were going to go from $700 to $1300 a month How does this happen?
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Jul 23, 2017 19:29
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Enfys posted:How does this happen? By not understanding the letter. I got one of those a few months ago. My property tax went up and I was informed that if I didn't send $x by y date to cover the shortfall in escrow my mortgage payment would increase by $x/12 per month.
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Jul 23, 2017 19:38
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ate all the Oreos posted:How do you "publish magazines" from home, print out a word document and staple it together? Have you heard of zines
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Jul 23, 2017 19:40
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MLMs are not punk.
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Jul 23, 2017 20:16
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Motronic posted:By not understanding the letter. 700 to 1300 seems like a huge jump, that'd be like an increase of 7200 in escrow over the next year. Assuming a 2% property tax rate that's mean their home value went up by 360,000. If they are yearly fluctuations of that magnitude they'd be in a multimillion dollar home and not asking the Internet for help because they'd have a financial advisor and a tax lawyer already, but their mortgage is currently $700. None of it adds up.
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Jul 23, 2017 20:18
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C.H.O.M.E posted:700 to 1300 seems like a huge jump, that'd be like an increase of 7200 in escrow over the next year. Assuming a 2% property tax rate that's mean their home value went up by 360,000. Then he used his tax refund to get it back to $900/month. None of it makes a ton of sense.
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Jul 23, 2017 20:26
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C.H.O.M.E posted:700 to 1300 seems like a huge jump, that'd be like an increase of 7200 in escrow over the next year. Assuming a 2% property tax rate that's mean their home value went up by 360,000. That's a good point. Those are huge relative numbers. I think I'm going to have to vote for: this person has no idea what they are talking about and the "facts" presented are wrong.
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Jul 23, 2017 20:28
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Yeah, when my escrow has adjusted it's been in the range of less than $50/month. Something is off there.
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Jul 23, 2017 20:29
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AreWeDrunkYet posted:Then he used his tax refund to get it back to $900/month. None of it makes a ton of sense. If you have an escrow shortage you typically have the option to make a payment to cover it or 12 monthly payments, so him using his tax refund to cover part of it might make sense. As for the massive shortfall (at least relative to the previous year) it's possible the mortgage servicer hosed up and wasn't including his homeowner's insurance or taxes at all in the previous year and this represents the shortfall from that. Motronic posted:I think I'm going to have to vote for: this person has no idea what they are talking about and the "facts" presented are wrong. This is also very likely.
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Jul 23, 2017 20:34
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https://www.reddit.com/r/personalfinance/comments/6p05rk/23_year_old_senior_in_college_getting_a_divorce/ This one is way too long but the highlights are: - Married at 20, divorcing at 23 while still in school - Making$14,000/yr - Doesn't own a car but borrowed $6k to buy a camper at 20% interest - $2000 in unexplained credit card debt - Complains he can't get on food stamps but owns a dog and pays $40/month in pet insurance - Wife pays 2/3 of the rent but he wants to get divorced as quickly as possible so he will qualify for food stamps - Spends almost $100/month on pizza quote:Hi all, first time poster - I read through the sidebar info and hopefully I'm doing everything right. Thanks in advance for reading.
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Jul 23, 2017 20:35
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22 Eargesplitten posted:MLMs are not punk. Agreed but im saying the basic idea is there
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Jul 23, 2017 20:36
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GamingHyena posted:If you have an escrow shortage you typically have the option to make a payment to cover it or 12 monthly payments, so him using his tax refund to cover part of it might make sense. As for the massive shortfall (at least relative to the previous year) it's possible the mortgage servicer hosed up and wasn't including his homeowner's insurance or taxes at all in the previous year and this represents the shortfall from that. Yeah but then his tax refund would be like $4500
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Jul 23, 2017 20:39
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OctaviusBeaver posted:
Pizza
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Jul 23, 2017 20:40
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C.H.O.M.E posted:700 to 1300 seems like a huge jump, that'd be like an increase of 7200 in escrow over the next year. Assuming a 2% property tax rate that's mean their home value went up by 360,000. There is probably another explanation but in some places there are periodic property value surveys that can dramatically alter assessments and therefore tax bills. Ours occurs every eight years, most recently in 2016 and before that 2008. Needless to say many property values jumped dramatically on the tax rolls, some in my neighborhood reported more than 40%
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Jul 23, 2017 20:52
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GamingHyena posted:it's possible the mortgage servicer hosed up and wasn't including his homeowner's insurance or taxes at all in the previous year and this represents the shortfall from that. That sounds pretty likely. BEHOLD: MY CAPE posted:There is probably another explanation but in some places there are periodic property value surveys that can dramatically alter assessments and therefore tax bills. Ours occurs every eight years, most recently in 2016 and before that 2008. Needless to say many property values jumped dramatically on the tax rolls, some in my neighborhood reported more than 40% And this. Or a combination of those, throw in maybe some insurance rating change (they lied on the app and the property insurance adjuster has come by to double check, causing a re-rating or they made claims which caused the same).
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Jul 23, 2017 20:57
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ate all the Oreos posted:All I'm gonna say is that "you hate me because you can't handle the truth" is right up there with "I'm not a racist but" in terms of things that when said should immediately trigger reassessment of your whole life up to this point
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Jul 23, 2017 20:58
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OctaviusBeaver posted:https://www.reddit.com/r/personalfinance/comments/6p05rk/23_year_old_senior_in_college_getting_a_divorce/ The rest I more or less understand but how on earth did this guy end up buying a camper at 20% interest when he doesn't even own a car?
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Jul 23, 2017 21:12
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Vox Nihili posted:The rest I more or less understand but how on earth did this guy end up buying a camper at 20% interest when he doesn't even own a car? Not nice, but talked about a lot in the last few year: thinking like a poor person. I've been there and I get it. I can no longer rationalize how I rationalized decisions like that anymore, but it all boils down to YOLO! (until the walls come tumbling down)
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Jul 23, 2017 21:15
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Vox Nihili posted:The rest I more or less understand but how on earth did this guy end up buying a camper at 20% interest when he doesn't even own a car? Maybe his wife owned one.
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Jul 23, 2017 21:42
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Doc Hawkins posted:Maybe his wife owned one. She did not. Sigh.
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Jul 23, 2017 22:00
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Vox Nihili posted:The rest I more or less understand but how on earth did this guy end up buying a camper at 20% interest when he doesn't even own a car? Also, why does a 23-year-old want a camper? They seem like Griswold family and retiree things.
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Jul 23, 2017 22:36
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LLCoolJD posted:Also, why does a 23-year-old want a camper? They seem like Griswold family and retiree things. I bought one after I had my first kid. It was freaking awesome. Little kids want to go home at the end of the day. This counted as "home". Super cheap and easy vacations is "camping" (it's not camping when you have a microwave, AC, shower and satellite TV) is your thing. State parks are like $8 a night to stay at. It's not for everyone, but I totally get it. Ninja edit: Mine was totally used, totally 80s (meaning mid 90s as far as build date) and I paid less for it than the interest on his loan. It was fine. I still have it. The mirrors on the cabinet doors and mauve upholstery still make me laugh. Motronic fucked around with this message at 22:47 on Jul 23, 2017 |
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Jul 23, 2017 22:45
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BEHOLD: MY CAPE posted:There is probably another explanation but in some places there are periodic property value surveys that can dramatically alter assessments and therefore tax bills. Ours occurs every eight years, most recently in 2016 and before that 2008. Needless to say many property values jumped dramatically on the tax rolls, some in my neighborhood reported more than 40% Or he's in a state that caps increases in property assessments until the property is sold. If the initial escrow was set on the previous owners low assessment and they owned the property for a while it could be significant. Of course a competent lender wouldn't do that but competent lenders wouldn't have given him a loan.
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Jul 23, 2017 23:54
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| # ? May 28, 2024 07:30 |
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https://www.reddit.com/r/legaladvice/comments/6of24o/my_friend_gave_her_sister_95000_to_help_purchase/quote:My friend is not on the mortage though and she and her sister made a verbal agreement that as long as my friend pays the property taxes, the sister will pay the mortage. My friend and her 13 year old daughter are the ones who live in the house. They had a disagreement over a recent kitchen remodel job and now the sister is now telling my friend that she has to pack her things and leave in a week and "get out of her house" or she'll call the police. The sister also will show up unannounced (even though she lives 7 hours away), and go through my friends stuff and throw her stuff away. My friend has a bank statement showing the transfer of the $95,000, but she's not on any of the house/ownership docs. What can my friend do/what are her rights? (We live in California, San Diego County btw). BWM: pitching in $95k for a house with only a verbal agreement.
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Jul 24, 2017 00:25
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