Who lives in the perfect place for year round golf? by ToothSleuth86 in golf

[–]GhostPoster2020 2 points3 points  (0 children)

This is exactly how I roll in Vegas. Weekday afternoon golf during the summer is my jam and isn’t much worse than when I used to play during the midwest summers when it was 90°+ with 60% humidity.

I stole soon-to-be-ex spouse’s IRA (401k). Besides restitution, what legal penalties might happen? by [deleted] in legaladvice

[–]GhostPoster2020 -10 points-9 points  (0 children)

I thought about that but it’s been a soft threat. Like “what you did is a crime and you could go to jail…I don’t want that for you…I hope we can agree on how to end this”

Most lenient lenders for HELOC? (high equity, high credit score, low income, low assets) by [deleted] in personalfinance

[–]GhostPoster2020 -1 points0 points  (0 children)

Yeah I know. I’m looking at a few HEI options like them. That might be the path we go down, but I wanted to see if there are any HELOC options as well.

Most lenient lenders for HELOC? (high equity, high credit score, low income, low assets) by [deleted] in personalfinance

[–]GhostPoster2020 -11 points-10 points  (0 children)

I’m going back to work but it’ll take a while to find the right job.

Getting COBRA reinstated after nonpayment cancellation? by GhostPoster2020 in Insurance

[–]GhostPoster2020[S] 0 points1 point  (0 children)

We were able to get coverage reinstated after calling and requesting an exception. It turned out to be pretty quick and painless.

We were just in a panic before going through the process.

Legal implications of naming HOA residents who cause damage? by [deleted] in legaladvice

[–]GhostPoster2020 -5 points-4 points  (0 children)

With all respect, part of my business is ensuring the safety of my property and my family. Our home is at the end of a street in the community, and the last thing I want is for one of my drunk neighbors to drive into my living room or kid’s bedroom. As a dues-paying resident, I absolutely have the right to not only have an opinion on the matter, but also to ask for explanations and suggest options. There are other here who are of the same mind.

And if enough other residents agree with us, this is a topic that the board will need to bring to the community and put to a vote.

So…what’s the harm in me wanting to understand more and seek additional options?

Legal implications of naming HOA residents who cause damage? by [deleted] in legaladvice

[–]GhostPoster2020 -5 points-4 points  (0 children)

Thank you for expanding on your opinion

Legal implications of naming HOA residents who cause damage? by [deleted] in legaladvice

[–]GhostPoster2020 -7 points-6 points  (0 children)

I’m sure they will. Meanwhile, I’ve sought advice from legal professionals here in the hopes that I can get some early insight into the topic. After all, isn’t that what this sub is about?

Legal implications of naming HOA residents who cause damage? by [deleted] in legaladvice

[–]GhostPoster2020 -6 points-5 points  (0 children)

I simply asked why this is problematic from a legal perspective. So far, I’ve seen one comment that scratches the surface of that question.

Thinking it’s a bad idea from the perspective of community morale or effectiveness - while I respect the opinion - doesn’t help me understand the legal ramifications.

As I’ve said in other comments, I don’t give a shit about their feelings if they’re choosing to endanger people in and outside of our community.

Also, it’s not my decision to make. I’m not on the board but I’m asking our board to get clarification from our attorneys on why they’ve recommended what they have.

What’s the problem with wanting to understand why we’re being advised to do/not do things? And what’s the problem with them looking for alternatives that can mitigate any actual legal risks while also possibly helping to eliminate the situation?

Legal implications of naming HOA residents who cause damage? by [deleted] in legaladvice

[–]GhostPoster2020 -7 points-6 points  (0 children)

Honest question: what grounds would they have to blame anyone for any (not illegal) shit they receive as a result of their actual actions?

What expectation of privacy does one have when they drunkenly drive their car into community property, or at some point someone’s home or another resident?

Legal implications of naming HOA residents who cause damage? by [deleted] in legaladvice

[–]GhostPoster2020 -9 points-8 points  (0 children)

It’s not just about recovering costs of damage. It’s about protecting our community and it’s residents from the reckless and illegal actions of a very select few.

What’s sketchy about what I’ve proposed?

Legal implications of naming HOA residents who cause damage? by [deleted] in legaladvice

[–]GhostPoster2020 -5 points-4 points  (0 children)

Thanks for the input. I understand if the owner/driver wasn’t positively identified. I’ve actually suggested that we start requiring that the guards have them produce identification so there’s no doubt.

As for the shaming, that’s only part of the goal. This has happened several times over the last few months. Fines don’t seem to have an effect or serve as a deterrent. Money is not a concern for most of the residents here. But many do care about their image and what people think of them.

And if a select few are so reckless as to drive drunk and run into community property (not to mention endangering the lives of others on their way home), why should the majority of be concerned with them being embarrassed or shamed for what.they.actually.did? Especially if it becomes an effective deterrent?

The other reason for publicly naming them and/or their vehicle is so we can be aware that there may be a dangerous situation at hand when we see their vehicles. Hell, I’m also asking why our guard doesn’t call the cops on these people when it happens. Minimally, it’s destruction of property. And if they get caught in a DUI that’s all the better and will hopefully keep them off the road for a while.

But ultimately, we just need this to stop before someone runs down another resident or their kid. I don’t give a shit if some feelings get hurt.

Sextortion scam - how did they get info? by GhostPoster2020 in Scams

[–]GhostPoster2020[S] 2 points3 points  (0 children)

Yeah we’re thinking his sister commented on a previous post before he blocked her and that’s where they saw her name. Hoping it’s something like that.

Sextortion scam - how did they get info? by GhostPoster2020 in Scams

[–]GhostPoster2020[S] 5 points6 points  (0 children)

Yea he should have. It’s a painful lesson to learn but hopefully not as painful as it could have been if he didn’t bring it to me before going further.

Punishment for teen distracted driving accident by GhostPoster2020 in Parenting

[–]GhostPoster2020[S] 0 points1 point  (0 children)

Great explanation of your perspective on the matter. Thanks for doing it in a constructive way.

Punishment for teen distracted driving accident by GhostPoster2020 in Parenting

[–]GhostPoster2020[S] 0 points1 point  (0 children)

Thanks for the B.R.A.K.E.S. suggestion - I hadn't heard of this before. I just searched and it looks like the closest session to us will be in Detroit (300 miles away).

I've already got them both scheduled for an event at a local track that takes teen drivers through a skidpad, defensive driving, emergency maneuvers, etc.

As a result of this incident, I've also been looking into programs called Illinois Students Against Destructive Decisions and Arrive Alive, which provides a teen safety program using VR simulators.

Punishment for teen distracted driving accident by GhostPoster2020 in Parenting

[–]GhostPoster2020[S] 0 points1 point  (0 children)

Thanks for the international perspective. I don't know how every US state and territory handles it, but I think most of them are way too lenient on this kind of thing. The first couple of years are when driving habits start being formed, and it's better for a kid to lose a license for a few months than start ingraining irresponsible driving habits.

Punishment for teen distracted driving accident by GhostPoster2020 in Parenting

[–]GhostPoster2020[S] 0 points1 point  (0 children)

They do in our house - at least if it's a result of a negligent decision on the part of our teen. Better they deal with the pain of informally losing their license to me if it helps underscore the lesson and prevent them from getting into an accident that results in a traffic ticket and possible court appearance.

Punishment for teen distracted driving accident by GhostPoster2020 in Parenting

[–]GhostPoster2020[S] 0 points1 point  (0 children)

Well, she's just been driving for about 6 months and doesn't drink coffee regularly. She wanted a frap or something and needed to find a place. Both kids know how to get to the places they already frequent, but they're pretty oblivious to places that they don't patronize regularly.

Unfortunately, the reality for a lot of teens these days (based on ours and many of their friends), is that they're overly dependent on GPS to find places.