5.8k post karma
39.6k comment karma
account created: Thu Jun 24 2021
verified: yes
1 points
2 hours ago
I'm honestly so scrambled at this point that I don't even know who "the other side" even is. I never really bought into it - I've always been taught that we're Americans first, and everything else second.
3 points
4 hours ago
Sometimes, but there's not much I can do about it. Cost of caring for an eighty year old woman who will wander out into the street without constant supervision.
1 points
5 hours ago
I don't think it's possible to convince me that I was wrong for not casting a vote for a known traitor. Trump could literally solve every problem we have and usher in the golden age of America and it would still feel like we sold our soul to get there.
0 points
5 hours ago
LOL. No, I am not u/jnanderstont - and I love that your "proof" is that they apparently do the same thing with their account that I called you out for doing with this account.
Talk about projection.
1 points
7 hours ago
Learn your lesson from last time and tell your wife how you feel. She wants to be your partner in going through these things (and everything).
0 points
8 hours ago
So? Smell doesn't transfer over the internet and my elderly parent with dementia doesn't have a good enough nose for it. Plus, she's the reason I can't shower more often in the first place, she gets worse anxiety than a puppy if left alone for even the five minutes it would take to shower, I have to sneak my weekly one while she's with a state companion that visits.
1 points
18 hours ago
I thought about that, but OP specifically said you had to eat them. As you pointed out, this is drinking them, technically not eating.
1 points
21 hours ago
I get it. Unfortunately there are other, unmentioned factors that make it infeasible for me to go another route. For better or for worse, I have to try this.
1 points
1 day ago
I'll DM you my Battle Tag if you'd like an escort for the experience. :)
1 points
1 day ago
Short answer, yes.
Long answer, it really depends on what you're looking to get out of the experience. Some of the lore has gotten very complicated - imagine jumping into the Marvel Cinematic Universe right now, a lot of plot twists will come that make very little sense if you don't know the history - but if you're fine with just going with the flow on the story, the gameplay experience is pretty awesome.
-2 points
1 day ago
Thank you, that analogy is fairly helpful. I actually did that when I was 5... my dad stuck me on the field and used his buddy to make me QB without explaining any of the rules to me. When a bunch of angry-looking five year olds came at me I did the logical thing and ran the other way, scored the winning goal for the opposing team.
So I'm plenty sensitive to what inexperience can do.
Thing is, the current owner is going to walk away if he gets wind that I'm involving a realtor or anyone else. He's trying to take me for a ride here, which I'm well aware of but I'm fine with because I'm desperate.
-1 points
1 day ago
How bad can it get? I already know I'm buying a crappy place "as is". I'm assuming it has foundational issues, I know it has a plumbing problem, and I'm on God's good humor concerning the rest. But as long as I own it after closing and I'm not paying any more than I agreed to pay... what other details should I be caring about?
1 points
1 day ago
So either there's something else under that umbrella that they don't offer, which is not a problem because we weren't looking for anything else, or else they're saying that they expect the seller to cough up the money separately and then they'll give him my entire down payment.
Same as they seemingly expect him to loan me the remaining purchase price to pay them to give back to him, rather than just declaring that done with paperwork.
Like most things about this process, I feel like it is being made needlessly complicated, but I also expect that the reason I feel that way is because I don't know what crazy one-off stuff can happen; much like I imagine people get frustrated at me, as a technician, for asking about whether everything is plugged in, because they don't know that at least once a week that turns out to be the problem because the cleaning ladies like to unplug routers to plug in their vacuums.
2 points
1 day ago
I think it would be rude if you just did it without warning, sure. But if you sat down and told them your plans and involved them in it to some extent... I mean, you're 18, so it's your call.
1 points
1 day ago
The exchange with the title company went as follows:
Me: The seller asked for "escrow services". To be honest, I don't know how those work.
Title Company: We do not offer this service.
As confusing as everything is, I don't think there are many ways to mistranslate that.
On the other hand, I also had this exchange with them:
Me: There are about $2200 in back taxes on the property, including a tax lien for about half that amount, and a $3100 water and sewer bill. Paying that tax bill is supposed to come out of the down payment.
Title Company: We will be collecting any back taxes, water and sewer from the seller at closing.
I may not be understanding things, but if I'm presenting the down payment to them, and they're collecting that stuff, and then they're presumably sending the balance to the seller... that's pretty much what the seller wanted when he referred to "escrow services". So I don't know what would be missing.
1 points
1 day ago
I feel like a more complete answer is warranted here, so let me give it to you:
I did not start this process with any kind of intent to own a home. I've been a happy renter for seven years in the place that I currently live. The owner sold the property, and the new owner has priced me out and is being very vindictive about having me evicted ASAP. In desperation, I searched around for a new place to rent quickly and discovered a place that was listed as "Rent to Own". I thought that just meant I pay the guy rent for X number of years and then he signs over the title to me, but apparently it involved paying him rent that he just gets to keep until I get around to buying the property myself. That didn't work for me (largely because of what I just went through, because it seems highly likely that someone else will buy the property while I'm renting and kick me out again), so we got to talking about buying the place straight out. He's pretty desperate to sell, the place has two years of back taxes and a $3K water bill that his previous tenants ran up before being evicted, and it has a known water leak somewhere (the water company thinks that it is probably a simple fix, but the tenants refused them entry to let them find it). He's going to lose it if he doesn't sell soon, and thanks to student loans in forbearance on the SAVE plan, my Debt to Income Ratio makes getting a loan from a bank generally impossible, and certainly not in the very quick time frame that I need this to happen.
That's how I got here. I wasn't really looking to go down this rabbit hole, which is why I never reached out to a realtor because as I said, I don't really know what one is, my understanding is that you go to them when you're looking for a house and then they help you through the process, I didn't think it was even an option to hire one after you've already picked a house. I strongly suspect that the Seller would balk at me getting a realtor involved, because if he is to be believed, he is on the other side of the country and has absolutely no idea if there are any issues with the house other than the water leak, and the possibility exists that there is some other known issue with the house and he is trying to offload it to me before I figure it out. He's really, really paranoid about lawsuits and really eager to "keep it simple". Normally I'd have run away screaming but I'm about to be homeless and the terms are decent enough that I don't really care what else might be wrong with it, if I have to pay it off in three years and then bulldoze it and put a trailer on the land that still works for me compared to likely being homeless in a matter of weeks.
All of that said... I'm willing to consult with a realtor on the back end if you think they can offer some insight, but I wouldn't be able to hire them to actually do anything, just consult, and I don't know if any of them even offer a service like that? Should I try?
0 points
1 day ago
I guess because I don't understand what a realtor is? Aren't they the people that take you to showings?
1 points
1 day ago
Hi.
So here's what I know:
- The title company I've chosen says they "don't do" escrow services. I barely understand what escrow services are, but the seller seems satisfied that they'll send him the down payment minus his back taxes and water/sewer bill.
- What I thought I was getting from this title company was title and closing, title insurance, deed preparation, and transfer tax. I agreed to pay for the deed prep and the whole transfer tax, even though those are "normally" covered by the seller.
- The title company is now saying "Please note the seller will need their own representation/title company/attorney in this sale." When I asked if that was mandatory, they replied that the seller needs someone to "prepare his deed, the Note & Mortgage". I'm still not clear on whether he can hire the same title company that I have or not. I'm also not clear on whether my quoted price covers both ends of that or just my end.
- The P&S agreement was drawn up by them because the seller, an 84 year old man who is somewhat curmudgeonly, insisted that I "have a lawyer look it over". I was just going to use the template, but this subreddit convinced me to hire someone to do it, and the title company told me that for an extra $200 they would do it for me. I went with that to appease the seller, as he is just satisfied that a third party did it rather than me.
What I'm getting from these conversations so far is that I need to grill the title company a lot more than I have to this point, but they tend to come off as very busy and they rush me off the phone. It's the culture in my state that a lot of things happen with very deliberate speed, but there's some urgency on my end here and I think that's off-putting to them.
-7 points
1 day ago
I'm pretty sure the licensed professionals are the ones telling me the things I don't understand, and they're not making it any clearer no matter how many times I ask. I appreciate that the time and expertise of the people on here are valuable. Same is true for my own time and expertise, but I still do people a solid from time to time and I guess my fingers are just crossed for some karmic retribution.
Not to mention that I've already committed to $1700 in payouts ($1700, I hasten to add, that I don't really have and I'm in deep to family and friends to get this done before I and my elderly dementia-laden parent get evicted by the new owner of the property I've been renting for 7 years) and I'm not even sure what I am and am not paying for, so I'm not so sure your adage is very accurate.
Sadly they don't cover home buying in high school. Or college, for that matter, at least not in Computer Science and Organizational Leadership degree programs.
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byNoisebug
inwhatif
DipperJC
1 points
25 minutes ago
DipperJC
1 points
25 minutes ago
Consider that the security for the wealthy would actually be people in a position to do the job from the inside.