I unfortunately have the attention span of a flea :( But I will be around more often hopefully, just finished my semester :) How have you been Wats?Quote:
Originally Posted by Watashi
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I unfortunately have the attention span of a flea :( But I will be around more often hopefully, just finished my semester :) How have you been Wats?Quote:
Originally Posted by Watashi
I'd miss rouge more if I didn't post at the same website she does, heh....
So despite the thousands we've put into our house, it appraised for about 20k less than it did seven years ago. The bank pretty much told us we're fucked. Unless we would miss some payments, then we would be eligible for a better rate. Awesome. :/
And, today we found out one of our best (couple) friends have decided to seperate, which was kind of a huge, unforeseen blow.
Sorry to be a downer/whiner, but damn, I need a fucking vacation.
Very sorry about the house, Skitch. My wife and I went through the same thing, and eventually had to let the house go back to the bank. It was a really rough time, but we've bounced back and are very comfortable with our lives right now, and where we're headed. I hope everything works out as well for you as it has for us, or even better. :)
Thanks KF. It mostly sucks because we want the house in our names, and out of my wife and her ex's. And there's pretty much not a damn thing we can do about it till we pay the principal down another 14k or so, and we don't have that sitting around.
Goddamn Skitch, that sucks. Hang in there.
(And no, talking about this doesn't make you a whiner. At all).
That's a real bummer, Skitch. Hopefully there's a light at the end of the tunnel, so to speak.
skitch - I know the feeling. (bought house at market peak in 2006).
Sorry Skitch. :-/ That's my biggest fear.
Shit really?? Foreclosure?Quote:
Originally Posted by Kurosawa Fan
Not necessarily. They could have done a deed in lieu of foreclosure, cash-for-keys, or a strategic default. It's very common in this market.Quote:
Originally Posted by Dukefrukem
So, you guys remember my nutty former roommate who made me crazy while we lived together? She moved out to marry a man she barely knew that she met on the internet, and while he was deployed she moved in with his parents.
I knew from the outset that this was not going to work. My roommate is a difficult person to deal with and a tricky person to live with. She lacks certain social skills, and if she's angry about anything she will go to great lengths to take it out on whomever is closest-- meaning whomever she is living with.
Sure enough, within a couple weeks her future in-laws hated her guts. She called me to complain about it, and I was able to read between the lines into just how antagonizing she was being to them. She had no problems with making her fiancee choose between them. ("I'm going to get Donny to kick them out of the house.")
This morning I got a pop-up reminder on my calendar to buy her a wedding gift, since she's getting married in a week or two. I waited to buy it in case they called off the wedding, so I moseyed over to Facebook to check to see if they were still engaged.
And here, chronologically, is a microcosm of the passive-aggressiveness that made me nuts when we lived together. See if you can spot the fault lines in cognitive behavior.
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has been learning an attitude of gratitude. :) I am grateful for my life...good, bad, and difficult.
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I try really hard to consistently "turn a cheek" to those who try to degrade me, but sometimes it is hard and I want so badly to tell them what I really think of them.
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will not let bad people turn the happiest time of my life into poo.
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:(
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everything will be ok, everything will be ok, everything will be ok because we have each other. *sigh
...and then, after everyone asks what is wrong, she clarifies:Quote:
getting harassing phone calls...turning off my cell for a while. Email me if you need anything.
Now that we don't live together, I have to admit I find the whole thing kind of entertaining. I hope somebody swears blood vengeance soon.Quote:
His parents gave out my phone number to people they're lying to. :(
Thanks everybody. Feeling a little more like myself today.
Ahh, thanks for pointing that out. I did a little reading on these and they're much better alternative than Foreclosure.Quote:
Originally Posted by Mara
Well, a strategic default will have the same affect on your credit score as a foreclosure, but you walk away with money.Quote:
Originally Posted by Dukefrukem
For instance, some friends of mine in California are strategically defaulting because their house is worth about $95K less than they owe on it. (California: where housing sucks.) Their mortgage is about $2K a month, and right now there is such a glut in the foreclosure process that it takes about a year and a half for one to go through. That means by the time they lose their house, they will have saved $36K to put towards moving and getting an apartment.
It's not a good position to be in, but its the best choice they can make given their circumstances.
Yep. This was almost three years ago now. We bought the house two months before the recession. A few months into the recession, my salary was cut by about 35% and we could no longer afford the monthly payments. We had the house appraised to refinance and found out it was worth $20k less than we bought it for, meaning no refinancing, so we walked. It was a pretty rough time, but we never let the kids understand what was going on (they still have no clue) and the place we moved to was larger and newer (though we rent rather than own). So, in the end, everything worked out okay. Not perfect, but much better than we feared.Quote:
Originally Posted by Dukefrukem
Update on my car:
Got the car back. $15,000 in repairs later, and it's still not completely fixed. Going to have to take it in again to have the driver's side seat warmer fixed (it is completely dead) and the control panel for the A/C and stuff is slightly sunken in, making the controls kind of awkward to work.
Also got a letter from my insurance company. My insurance has gone from $1800 annually to $3000. And that's if I don't get convicted for anything.
However, I do have a few things that will lighten the blow a little bit - I am eligible for my full license in June, which will bring my premiums down. I will also be turning 25 in May, which is the magic age in which premiums decrease. I am also now married, which will also have an effect on the $$.
So, while it sucks, it's not nearly as bad as I thought it would be from all the horror stories I've heard from friends and co-workers.
One guy was in an accident at 17 where he was even found to have been not at fault, and his premiums jumped from $1200 a year to over $10,000, so he had to stop driving for 3 years to let them come down.
Insurance must be very different in Canada.Quote:
Originally Posted by megladon8
My GF just broke her wrist doing the limbo.
The funny thing about that - that's the second time she's broken her wrist doing the limbo.
:eek:
She should probably stop doing the limbo.
What KF said. Also, you don't have to call it "limbo" with us, Davis.
The horizontal limbo, if you know what I mean.
This time it was a career-ending injury.Quote:
Originally Posted by Kurosawa Fan
Oh, I think I do...Quote:
Originally Posted by D_Davis
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Oh yeah. That's what I'm talking about.Quote:
Originally Posted by number8
Random, creepy, stalkerish question for you Davis: do you have the same username on reddit?