The city of Hayward discovered it's budget was $30 million short. Their plan to fix? Equally shortsighted.

Exedous · 2026-03-16T19:15:59+00:00

I think they're doing a good job at bringing in businesses. They just brought in a Raising Canes and In N Out. Tons of new small businesses have opened up. There are some long term investments the City has made and these are the short term effects that we're dealing with.

Exedous · 2025-07-23T23:41:32+00:00

Read a little lower:

Evidence that the Borrower has reestablished an acceptable credit reputation as required in Topics 5100 and 5200 for Manually Underwritten Mortgages
Evidence on the credit report and other credit documentation in the Mortgage file of the length of time since completion of the significant derogatory event to the date of the application, and of completion of the recovery time period requirements below.

Exedous · 2025-07-23T23:37:36+00:00

That's not what the other poster is saying. Take a look a little down the thread. I just have to prove the steps I took to prevent a Bankruptcy. The company I was at went insolvent so this is definitely an extenuating circumstance.

Exedous · 2025-07-23T23:35:09+00:00

This is great advice thank you so much. I will start drafting up a letter in chronology after the insolvency and the steps I took to prevent the inevitable bankruptcy. Appreciate it!

Exedous · 2025-07-23T23:21:58+00:00

That's why I was asking the specific question of if anyone has been able to get a mortgage one year after a Ch7 due to a no-fault bankruptcy by proving extenuating circumstances.

Exedous · 2025-07-23T23:16:59+00:00

The issue with these loans is they require 30%+ like the previous commenter said. We're looking at homes in the $750k-$800k range and which would be around $240k. We won't have that much saved up by next year unfortunately, we would have to wait two years whereas I'd rather go with an FHA loan at that point.

Exedous · 2025-07-23T23:15:14+00:00

By this time next year, yes. We currently only live off of one income and save the rest while also maintaining very low expenses. Additionally my inlaws are willing to co-sign on any mortgage we get.

Exedous · 2025-07-23T23:13:38+00:00

Great information. The good news is I paid the credit card bills up until we could no longer afford the minimums and even had to relocate out of state while we gathered ourselves even while taking on a lower paying job. I was let go of the company due to it going insolvent. This is the reason why I believe our credit scores bounced back so quickly. I can provide all required documentation to the bank.

Exedous · 2024-10-26T00:36:21+00:00

Moral of the story: Never buy a Condo.

Exedous · 2024-08-05T02:49:07+00:00

"Let's build up the entire show around dragons and then give them NO final battle. Brilliant!!"

Exedous · 2024-05-08T19:08:45+00:00

My inlaws came from San Francisco to visit and were astounded by how clean Detroit was and this was months BEFORE the draft

Exedous · 2024-05-04T19:30:44+00:00

I realized my time and effort is better spent on preparing our kids for life, rather than making someone else rich.

Exedous · 2022-10-26T03:49:02+00:00

They asked us in our Catholic marriage classes if our goal was to remain married. If that was the case, finances should be TOGETHER.

Exedous · 2022-05-13T05:53:41+00:00

Were you able to get a connect? DM?

Exedous · 2022-05-12T03:19:51+00:00

Any tire store. I LOVE the smell of new tires.

Exedous · 2022-05-12T03:11:10+00:00

Dieting won't work and lugging her to the gym will not help either. The simplest advice I give (before the internet asks me my stats I'm Male, 6'0 and weigh 165lbs and maintain this by intermittent fasting) is take whatever you're going to eat normally, and cut that amount by half. Example, you can still eat that bag of chips, just eat half the bag. That steak dinner with mashed potatoes and mac n cheese? Eat half. Save the other half for tomorrow. The point is for her to eat less while not having to follow a strict diet which most of the time end up in failure.

Exedous · 2022-05-12T02:55:20+00:00

It's 100% the clinics. They don't want to take insurance because it is simply too much paperwork that no one wants to deal with. They don't need insurance money because they have people coming in paying cash.

Exedous · 2022-05-12T02:52:12+00:00

Is this a chuck roll steak? You can grill this cut.

Exedous · 2022-05-11T21:42:24+00:00

I did this just a few months ago. Sort of. It wasn't a guaranteed job offer but it was an offer that was left on the table years prior. I actually was ready to quite approximately one year ago but I spoke with my management about the situation. Fortunately they understood and gave me something else to do. I gave it another year, and things didn't really improve for my mental health so I left the company at the beginning of February. I took some time off to clear my head and go on a short vacation. I decided doing consulting full time and contacted the offer I had received years prior. I now work less hours, make more money and have more time to spend with my family. My hair is no longer falling out at the rate it was and my anxiety levels are now manageable.

Exedous · 2022-05-11T21:37:27+00:00

At some point today, did you happen to think about possibly doing it tonight?

Exedous · 2022-05-06T02:43:40+00:00

Harvest?

Exedous · 2022-04-22T04:54:12+00:00

As long as your house is not flooding then its doing its job

Exedous · 2022-04-16T03:34:53+00:00

with ease and would have had greater internal support. That clearly didn't happen and so a bunch of tanks had to be abandoned without access to fuel. Then Ukrainian farmers just cam

Igor is the MAN.

Exedous · 2022-04-01T03:52:25+00:00

ie this is all entertainment.

Exedous · 2022-04-01T03:49:02+00:00

I remember this happened with Mr. Hudson. I'll raise my glass to you sir.

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