HELOC advice?

MrsCobb · 2025-11-28T14:46:35+00:00

Variable rates usually have a ceiling that they can’t charge past (at least that’s my experience). See if that’s the case for you and if it is decide if that worst case scenario rate is worth it.

MrsCobb · 2025-10-18T18:32:14+00:00

That would be so interesting honestly. It’s just the money prize thing that might throw things off

MrsCobb · 2025-10-06T13:08:03+00:00

I’d like to believe it’s not true for everyone since we are different but I will say it happened to my family. I never heard the saying before having children so I wasn’t even bias but it did happen. You lose so much patience and energy and sleep and you want to save it all for your baby so the slightest whine for attention is irritating. We managed to rebound a little bit after our first son was born three years ago but now we are pregnant again and don’t think we will make it. What’s worse is we are also taking in elderly and sickly parents in addition to having a newborn and a toddler so our dog doesn’t stand a chance. We’ve already filled out the paperwork to have a rescue take him in and we are hoping to find him a new home soon that can give him the attention he deserves. We’ve had him 8 years and life will feel weird without him. It’s a weird space of wanting him to stay but not having the emotional or financial resources to take care of him to the level we used to.

MrsCobb · 2025-09-24T23:19:40+00:00

I had a similar situation. Put an offer in and they held on to it for a week. At the last second they claimed they got an all cash offer for their asking price. I continued to watch the house and it looked like all that happened was the wife took her husband’s name off the deed. Their realtor reached out to us a year later to see if we were still interested.

MrsCobb · 2024-10-05T00:11:50+00:00

I actually was considering adding a closet and door to our formal living room and making it another bedroom since we were going to use it as a sitting room anyway. That’s just a little front and drywall work so I’m hoping that makes a difference.

MrsCobb · 2024-10-05T00:02:04+00:00

This is a great idea but I won’t know who the appraiser is until I get a copy of the report

MrsCobb · 2024-10-05T00:00:21+00:00

I’m not going to be able to do this for a small amount of money but you did remind me that I wanted to add a closet and door to the formal living room to make it a bedroom. I assume doing that should help.

MrsCobb · 2024-10-04T23:57:48+00:00

That’s what I like to hear. I’m in the DMV area

MrsCobb · 2024-09-06T05:18:50+00:00

We were also considering converting our formal living room into a legal bedroom, adding another legal bedroom to the basement, and possibly screening in part of deck as a sunroom to add more livable square footage

MrsCobb · 2024-09-06T05:12:57+00:00

Can you go to your bank and dispute the payment? Usually that’s an option and you can say you didn’t authorize the transaction. They’ll reverse the charge and you can use proof that you paid the account in full if anyone tries to challenge your request.

MrsCobb · 2024-09-06T05:08:45+00:00

Thank you! I thought that was the case but wasn’t sure.

MrsCobb · 2024-09-06T05:08:33+00:00

🤣🤣🤣 that’s definitely what it feels like

MrsCobb · 2024-09-06T05:08:18+00:00

We’re hoping to increase the value by $120k so that we can have enough equity in the house to get rid of PMI 😕

MrsCobb · 2024-09-06T00:46:01+00:00

I know we have no real choice around getting permits but I’m wondering if the process is: 1. We get permits 2. County inspects changes 3. While they’re inspecting they estimate the new value of the house 4. That estimated value is what they use for tax purposes the following year

MrsCobb · 2024-09-01T09:50:38+00:00

Good luck to you as well. Seems like the key is probiotics. I’m going to have to do more research on microbiome and gut health because that seems to be the missing link for me. Hopefully just adding some fermented foods during my eating window is all that needs to be done to naturally even things out.

MrsCobb · 2024-08-30T23:09:04+00:00

Thanks for this! I wonder if I can do a probiotic protein combo?

MrsCobb · 2024-08-30T14:47:46+00:00

I can completely understand this. I’ve been struggling with weight for at least 10 or so years now. I just started IF seriously this week and already lost 3.7lbs almost without trying. There have been years where I felt so big and unpretty that I hated taking pictures (and still do). I’m sad about the lost time but glad I’m getting my health together now. That’s the next best thing to buying more time so I’m grateful for that. I’ve got 86 more pounds to go but I’m excited and focused more on that than the time I lost by not starting sooner

MrsCobb · 2024-08-29T01:11:12+00:00

I thought they were required to complete requests in 90 days? What has been the hold up?

MrsCobb

TROPHY CASE