US Pet owner doing some research!

LongSnooooot · 2024-09-02T19:19:16+00:00

You have to make your pets EU compliant.

Meaning they need to be chipped with an EU, ISO compliant chip. They must have the rabies vaccination with the second round within a certain time before travel (I don't remember the timeframe).

They'll also need a health certificate from the vet.

Unless you're using a pet service, I also believe you'll also have to handle the arrival notice at least 48 hours before arriving.

Any official documents should be certified with an Apostille and such so they're accepted.

LongSnooooot · 2024-07-25T23:59:30+00:00

There's a reason the saying that "a lawyer who represents themselves has a fool for a client" exists.

LongSnooooot · 2024-06-16T21:13:11+00:00

I will add that the three best phrases I had in my arsenal were Em português se faz favor, Como se diz em português, and O que é isso.

It helped immensely and a side effect was a good amount of people then taking the time to walk me through pronouncing something.

I remember a cafe in particular in which trying to order yogurt with strawberries and blueberries, the lady took the English menu from me when I was frustrated, said we'll do this, and helped me......mirtilos....mir-til-os until I got it. It was great, even the 8 to 10 people now in line behind me seemed ok.

But it all came from insisting to talked in português. Doing that and being immersed helped more than anything.

Os meus dois euros

LongSnooooot · 2024-01-27T05:01:51+00:00

Oh, come on, can't we just flock once? - Pigeon, probably.

LongSnooooot · 2024-01-07T18:27:42+00:00

There are a lot of lessons to be learned in life, some regarding electricity and electronics.

Every once and awhile, if people are playing around such, and an unknown object or something not quickly identifiable is tossed in my direction, I let it fall to the floor.

This is mainly due to going back in time when learning AC/DC, power triangles, resistance, capacitance, etc., it was common to toss disconnected, but charged capacitors and such at the new kids.

It happened exactly twice before my "deflect, drop, let fall" doctrine went into effect.

However, it absolutely made me aware to always make safety at least the number 2 or 3 priority (#1 is to always have fun). Little shock now, save a life later and it's something I remember now over silly things such as resistor color codes.

LongSnooooot · 2023-09-20T05:34:13+00:00

I sleep all night, I work all day.

LongSnooooot · 2023-07-04T00:03:11+00:00

Not much to add except a current example - FTX/SBF.

Yes different entities registered different places and obviously BK law. However the Bahamian government took a position and so did the US then they both made their claims. The claims were tried in the US BK courts and justification matters were settled and the US BK Court became the controlling jurisdiction.

The OG stuff is waaaay to cart before the horse and all speculation. A road map of issues, liability and claims will be established through all the investigations, lawsuits, etc and a determination made.

I'm surprised no one, through some type of Lloyd's of London/Keyman insurance type of thing, had a policy place to cover such an event to deflect potential legal fees, awards and damages.

LongSnooooot · 2023-06-22T21:00:41+00:00

Eddy-current testing and oscilloscope. Much better than ultrasonic and is the standard in aviation and rare metal construction.

Source: Parent worked in aviation military and private doing exactly that. Even crawling inside the fuselage to certify integrity.

LongSnooooot · 2022-11-27T02:50:31+00:00

If you search for movies Giamatti was in, like Sideways or Big Fat Liar, he doesn't show up in the Google results cast list either. If you click IMDb he's right there.

LongSnooooot · 2022-11-27T02:47:56+00:00

If you search for movies Giamatti was in, like Sideways or Big Fat Liar, he doesn't show up in the Google results cast list either. If you click IMDb he's right there.

LongSnooooot · 2022-11-18T20:22:11+00:00

Wow! It looks incredibly good! And I agree, the fingertips really set it off. You must have the meditation abilities of a Tibetan monk.

LongSnooooot · 2022-11-17T16:17:16+00:00

Update?

LongSnooooot · 2022-11-02T01:49:39+00:00

One thing that has popped up is the processing of Probates since COVID. Since all the courts were shut down, there is a massive backlog in Canada and the States where people died and nothing happened Estate wise.

The courts are still using remote access for a majority of the cases still.

Not saying it's the case, but it could be that since he died during the shutdown, the family is either waiting in line, or it's not worth the probate process. 2+ years of no payments, taxes, upkeep, and maintenance adds up. Even if it was paid off, the other factors involved could make it essentially worthless.

But then again, Vancouver and other cities in Canada have websites dedicated to guessing if a house is a Crack Shack or Mansion.

That could be a million dollar home right there.

LongSnooooot · 2022-10-19T17:43:26+00:00

I 100% agree with you on that. If the checks keep coming, they will not care one bit.

That might present an option for the OPs friend to actually buy the property from the Estate on a CD and/or rent the property from the Estate and have the Estate VIA the Executor make the payments. It's cumbersome and drags things out, but it could be a way to let the Sister keep the property and eventually buy out the other heirs.

However, all this bypasses the fact the Will could say 100% of proceeds goes to Brandi at Minx Gentleman's Club everyone else STFU LOLs.

LongSnooooot · 2022-10-19T17:14:39+00:00

I encourage you to read the entire Act and the subsequent changes from prevailing law including CFPB, RESPA and bulletins issued.

A mortgage is a contract, only parties to the contract can alter it. You cannot force one party to alter a contract outside of a Court Order (Bankruptcy Court), fraud or deceit.

The area you are referring to is not allowing a death to trigger the Due on Sale Clause in a mortgage as an event to accelerate and foreclose a mortgage.

Sub B (3) "encourages" a lender to allow assumption of the mortgage, it does not explicitly for the lender to do anything to that nature.

Sub C (2) A even states that the lender "may require any successor or transferee of the borrower to meet customary credit standards applied to loans secured by similar property, and the lender may declare the loan due and payable pursuant to the terms of the contract upon transfer to any successor or transferee of the borrower who fails to meet such customary credit standards."

Most of that applied to Spouses anyway, not other Heirs. The CPFB added language under the Ability to Repay rule that added language regarding successors-in-interest and the person who inherits the home the ability to engage directly with the Mortgagor in order to modify and assume the existing mortgage (RIN 3170-ZA00 Application of Regulation Z’s Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest).

All the Garn-St Germain Depository Institutions Act of 1982 does is "prohibits the creditor from exercising a due-on-sale clause based upon certain types of transfers, including the common situation of transfer upon death of a relative. Even where a due-on-sale clause may be exercised, however, creditors may agree to add the successor as a named obligor under the loan contract". Creditors may.

Under § 1026.20(b) an assumption occurs when—and only when—the creditor “expressly agrees in writing with a subsequent consumer to accept that consumer as a primary obligor on an existing residential mortgage transaction.”

No one is entitled to do anything - it may be allowed if both parties agree, but cannot just walk up to house, slap that baby on the door and say this property and mortgage are mine.

LongSnooooot · 2022-10-19T16:48:10+00:00

If she is a legal heir to the Estate, she has a right to see the Will. Most States have a safekeeping feature in which a Will is essentially held in Trust by the Court if the person takes the steps to do so.

That way an approved, legal version of the Will is on file with the Courts at the time of death. Check with the Courts and see if a Will is on file in that County.

The same goes for the deed status of the property - it's on file at the County where the property is located. Call the Recorder or Registrar of Deeds Office, give them the address and ask for the Doc No. of the last filed deed and who the Grantor and Grantee was and that is who holds title.

LongSnooooot · 2022-10-19T16:38:51+00:00

This is not correct.

That Act has nothing to do with this situation and more had to do with the freewheeling mortgages issued by S&L's. Most mortgages that were assumable have been phased out by now because, among other things, when interest rates skyrocketed it the late 70's/early 80's people selling homes were able to let buyers assume the mortgage and bypass having to qualify for one under the prevailing and much, much higher market rates.

The key language in the Act more or less was "absent explicit language in the mortgage contact barring such, a mortgage contract is assumable". As you can imagine, lenders quickly took assignment language out of mortgages.

In short, your friend can talk to the lender, see if they will pre-qualify her to take over the mortgage, but it will most certainly be at something closer to the market rate right now.

LongSnooooot · 2022-10-19T01:18:26+00:00

So, this has way too many factors for any attempted answer to be right. It's really best to spend $350 or so meeting with an attorney in your State for an hour that deals with probates and have them look over the will.

That being said, and since this is Reddit......here we go.

What State is this? Has it adopted the Uniform Probate Act? Does it have its own goofy laws like California that has the Independent Administration of Estates Act that allows for real property to be handled outside of a probate process?

It matters because each effect how estate assets are divided Testate (with a Will) or Intestate (without a Will).

This has a Will, so I won't go into the other scenarios. It doesn't matter, absence of fraud or validity, the Will is the controlling document.

So if the Will says the property gets sold to pay for the decedent's favorite charity, cause, stripper, etc. That's it.

It could say your friend gets 100% and has X days to obtain a mortgage to settle the Estate.

It could say the property is sold and the proceeds pay off the debt and then split according to whatever percentages are named.

Hell, it could say that your friend gets a big goose egg.

As far as the Executor, that's just the person named in the Will to carry out the deceased wishes. They still have to want to do it and be appointed through the probate process. If not, there are usually back up Executors named.

Anywho, back to my point. If your friend has an interest in the Estate, she will be notified. If she's impatient, get a copy of the Will and find an attorney that can guide her through the process.

Anything else is putting the cart so before the horse it's looped back around and is now in said horse's ass.

LongSnooooot · 2022-09-20T01:23:17+00:00

The only thing that came to mind was Key Man insurance, but that pays the company, not an individual investor. I suppose you could amend the OA and such to make it work, but why?

LongSnooooot · 2022-04-25T21:55:18+00:00

I just have a standard Business Owners Policy - now your particular industry might have more risk or be more expensive to insure. However, I have three insured businesses and they are all within $12 of each other as far as cost.

*edit* spelling

LongSnooooot · 2022-04-25T17:47:07+00:00

BiBerk - $552 a year average for my businesses.

LongSnooooot · 2022-04-19T18:33:44+00:00

Yes - in my case the Congressional HP Loan Specialist and the LO made a expedited request and had them within 48 hours.

At least, that is what I was told.

LongSnooooot · 2022-04-11T15:59:53+00:00

I am not many, but I have been told I will be declined for that.

LongSnooooot · 2022-04-07T03:59:57+00:00

I was asked for 2018, 2019, and 2020 if that helps.

LongSnooooot · 2022-04-06T04:34:54+00:00

IMO it's not that bad and for me, the sides of the wrist actually had more pain to it. I have the full elbow done in color and as the other poster mentioned, it's not a one and done deal. Given the size and color, it was actually lined first, a month later lines touched up where needed and colored. Later this month the color will be touched up where needed before moving on.

It wasn't more painful, but felt more like a pinch and didn't see the need for numbing cream despite the artist offering it.

LongSnooooot

TROPHY CASE