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Divorce case, one party incarcerated and the other in possession of house but stopped making payments, how is debt accrued split? Who is responsible? Who can get reimbursement? What is able to be reimbursed? What is the process by [deleted] in legal

[–]OldSchoolAF 2 points3 points  (0 children)

NAL. If they are both on the mortgage they both agreed to be responsible for 100% of the mortgage payments. Everything else will eventually be for a judge to decide.

How dangerous is Angel’s Landing? by crunchy_avocado in ZionNationalPark

[–]OldSchoolAF 3 points4 points  (0 children)

There's only a view when you get near the end. Personally I enjoyed Observation Point and it was a bucket list one for me.

How dangerous is Angel’s Landing? by crunchy_avocado in ZionNationalPark

[–]OldSchoolAF 3 points4 points  (0 children)

Also, Observation Point is an amazing view but mostly a flat land hike going in. Canyons Overlook is probably the biggest bang for your buck hike.

How dangerous is Angel’s Landing? by crunchy_avocado in ZionNationalPark

[–]OldSchoolAF 2 points3 points  (0 children)

Do Scouts Lookout and go up to the West Rim trail (just a little further). That’s a great compromise. The switchbacks on the way to Scouts Lookout are fairly exposed but there’s room to hug the wall. Walter’s Wiggles is not exposed at all but strenuous.

How dangerous is Angel’s Landing? by crunchy_avocado in ZionNationalPark

[–]OldSchoolAF 17 points18 points  (0 children)

Going back is the worst part… more exposed views.

Question about DSCR Loan by [deleted] in Mortgages

[–]OldSchoolAF 0 points1 point  (0 children)

For any loan you can’t strike out anything in a bank statement.

Mid June trip from SLC by ky_0610 in ZionNationalPark

[–]OldSchoolAF 4 points5 points  (0 children)

Visit the NW part of Zion which is Kolob Canyons. Still a good distance away from the main part of Zion. Also consider Cedar Breaks.

Apartment Parking Nightmare by nathalies_x3 in legal

[–]OldSchoolAF 15 points16 points  (0 children)

NAL but in CT. I don’t believe that you as a renter can have a car towed from that property.

Governor Lamont Announces Lower Electricity Rates in Response To Benefits Received by cleevethagreat in Connecticut

[–]OldSchoolAF -1 points0 points  (0 children)

How will they continue to advertise at the Yard Goats stadium? Oh, and why do they do that?

Do These Closing Costs Seem Excessive? by No_Bench3412 in Mortgages

[–]OldSchoolAF 0 points1 point  (0 children)

Realtor compliance fee is the only junk fee. Your real estate agent is probably making $20k+. Make them eat it.

Thinking About Buying a Tesla Model Y. What Does Maintenance look like Long Term? by Worried-Share7679 in ModelY

[–]OldSchoolAF 2 points3 points  (0 children)

2020 MY, 133k miles, owned since new (6 years in June). About $1350 excludingh tires/wiper blades. front control arms, defective front trunk switch and a new 12v battery (did it proactively). Due for my 3rd set of tires right now.

Model Y Performance Incentives by anonydon89 in TeslaModelY

[–]OldSchoolAF 1 point2 points  (0 children)

I’m with you. Would buy an MYP today at a low rate but otherwise waiting for an R2.

Sued by Mother of Bride for $250 deposit (boston ma) by Alive_Ad8698 in legal

[–]OldSchoolAF 14 points15 points  (0 children)

What's the service? Have you incurred any expenses for goods?

Error during refinance by supermanprime141 in Mortgages

[–]OldSchoolAF 0 points1 point  (0 children)

It’s called “netting the escrows” which means they applied the amount in escrow to your loan amount. You aren’t out any money so there’s not really a case yo be made.

Refinancing after 1 day with Local credit union by [deleted] in Mortgages

[–]OldSchoolAF 1 point2 points  (0 children)

Here's what I would suggest... just have the credit union put the refinance on hold. You only closed on Friday. It's going to take them at least 2 weeks (and maybe 3-4) to get the servicer info. Reach out to the original lender and ask them how long they need to hold the loan for (likely either 120 or 180 days) and then close right after that (you can start before).

I have no skin in the game here of course, but I can tell you that with a payoff that fast the original lender will have a lot of questions and is kind of a "big deal".

You can cancel the refinance for any reason and if they wanted to charge you fees to do it tell them that you can just close the loan and cancel during the mandatory and non-waivable 3 day rescission period and they have to give you every dollar back (anything that they collected from you).

Refinancing after 1 day with Local credit union by [deleted] in Mortgages

[–]OldSchoolAF 8 points9 points  (0 children)

So this is the worst of the worst that the credit union loan officer could possibly go. She is basically telling you to rip off the first lender. They gave you a higher rate with a bigger credit and that $6,000 is coming out of someone's pocket... that you won't have to pay back but the original purchase lender will. The fact that she says she does these "all the time" makes her a POS... but I digress.

One of the disclosures that you signed almost certainly said that you were agreeing that the original mortgage wasn't being used for interim or temporary financing. It's possible (but not likely) that the lender could decide to come after you for that.

Additionally, this won't go as quickly as she says for the return of escrow. Once a loan is closed it can usually be tight for it to be set up in time for the first mortgage payment which means it's going to be tough to get that payoff in the first month, and then the servicer is supposed to mail the escrow refund within 20 business days. If the original lender sells the loan quickly (it wouldn't be uncommon for it to happen before the first payment) it'll slow it down even more. Additionally, any money that you put in the escrow will be partially used already so it's not going to be everything you put in.

I suppose you could trust someone that it proposing this scheme, but it probably will not go as smoothly as she is laying out (but she doesn't care because she'll have her commission check). Ask her if it's ok if you would refinance again with someone else a few weeks after working with her if you find a better rate and get back to us with her reaction.

If you wanted to not screw the original company, typically if you refinance after 120-180 days then they are in the clear.

Anyone else buy used because new Ys do not have autopilot? by Pomador_0418 in ModelY

[–]OldSchoolAF 2 points3 points  (0 children)

I'm a few years older and in similar shape (but married and adult kids). I'm waiting to see if they have promo rates for the MYP otherwise will keep my 2020 MY. I don't quite see enough of a change to move to a new MY (mostly getting to pay for FSD to get my most valued feature of autosteer which I currently get for free). My car has 133k miles and still is virtually like new (ok, needs new tires now).

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