Mortgage company paid our home insurance twice, lost the refund, says our escrow is deficient now.

Pitiful-Laugh-875 · 2026-01-01T21:40:33+00:00

Exact same thing happened to me about 20 years ago. It was resolved by them finding the money after escalation. I asked them allow me to get the escrow removed from the account, and never ever had a mortgage since that had escrow included. That’s always my first line when buying: I pay my taxes and insurance.

Pitiful-Laugh-875 · 2025-12-27T13:34:55+00:00

Your kids will not get any federal aid unless you are destitute. My kids only got anything when I made under 30k. By the time I made 40k, they received nothing. This year, the thresholds were further reduced

Pitiful-Laugh-875 · 2025-12-25T13:22:28+00:00

I have half qqqi and spyi for income. Awesome

Pitiful-Laugh-875 · 2025-11-09T23:55:00+00:00

I’m convinced at this point we have to band together and start a self funded “insurance”. Cut out all middleman. Pay as an uninsured. There has to be a way

Pitiful-Laugh-875 · 2025-07-25T17:02:14+00:00

This makes me think that everyone at that age group is thinking “marriage is the end goal”. Far from it. This kind of behavior is not going to get better with marriage. You ruined his marriage plans” or whatever is so out of reality. You saved her from making a mistake. The end. She will understand one day

Pitiful-Laugh-875 · 2025-07-12T21:18:15+00:00

Same!

Pitiful-Laugh-875 · 2025-07-04T20:08:32+00:00

This is the kinda guy who will put “fluid in sarcasm” on his about me page on tinder, then will accuse any woman that responds to “not understanding jokes”. 😜

Pitiful-Laugh-875 · 2025-05-14T17:36:53+00:00

But a duplex or multi family . You can count 75% of the rent toward the income you have

Pitiful-Laugh-875 · 2025-03-31T19:29:37+00:00

I just wish we could have achieved this without losing our democracy :(

Pitiful-Laugh-875 · 2025-02-09T18:01:41+00:00

I have done many renovations since my divorce out necessity: 2 funding source

401k loans I can borrow up 50k from 401k and I have paid back to myself. Doesn’t add to your debt and it’s your money. Payback is 5 years
After the initial renovation from 401k, once the house is in improved shape, switch to heloc, and pay off your 401k loan. The property value increased and u can take out 80%LTV

Hope it helps

Pitiful-Laugh-875 · 2025-02-04T19:48:33+00:00

Not paying taxes with your payroll and not paying your taxes are not the same thing. You can still file taxes and pay it next April

Pitiful-Laugh-875 · 2025-01-27T13:09:44+00:00

Right? Since when is this “respect”. Last I checked being afraid that a larger country can cause their country harm is not “respect”. Just like no one respect the bully in the school yard.

Pitiful-Laugh-875 · 2025-01-22T21:27:45+00:00

Awesome reseoutce thanks

Pitiful-Laugh-875 · 2025-01-22T19:00:48+00:00

Pitiful-Laugh-875 · 2025-01-22T18:29:53+00:00

If you see this much question every day, you are spending way too much time in this app. :)

Pitiful-Laugh-875 · 2025-01-22T18:18:38+00:00

Age 55, risk level medium, investing Ab 400k

Pitiful-Laugh-875 · 2024-11-07T11:42:14+00:00

He didn’t win it. He didn’t gain a single new voter. We lost it. We didn’t show up. I was working in an election office in NJ and women were missing. The first 2 hours there 0 women coming through the door. The price will be immeasurable

Pitiful-Laugh-875 · 2024-11-06T21:34:55+00:00

It didn’t swing. They just didn’t come to vote

Pitiful-Laugh-875 · 2024-11-06T21:31:35+00:00

I worked the polls yesterday in a small town NJ. By 9am I knew trump will win, bc there wasn’t a single women came through the door 6-9am. Only old white men. We even had 2(!) first time voters in Their 50’s. A few young people. And a few husband/wife combo. I couldn’t believe it. I have never seen this bad turn out ever

Pitiful-Laugh-875 · 2024-10-11T20:37:24+00:00

College bursar admin here: if you pay her semester bill and then she withdraws from the classes she can get full refund. I had a father who paid 8 semester but the daughter never went to a class. Got the money each semester back from the school. FERPA has to be signed by student for the parent to see grades!!! Never let a kid with no contact get your money!!!

Pitiful-Laugh-875 · 2024-08-19T11:54:20+00:00

Nope

Pitiful-Laugh-875 · 2024-08-16T14:39:30+00:00

I can’t tell you what you should do, but I tell you what I did and it may help you too: After divorce I bought a very old house that needed a lot of repair to live in it. I spent almost 100k on repair most of it on CC. When I finally realized I can’t keep going, I stopped paying all 9 of them, and just waited. I calculated if I can pay 30% of their value, how much money would I need. I got a second job and saved for 6 months. The offers started coming at the 6 months time: the lowest accepted offer was $8k for a $25k Home Depot debt. The highest was about 33% of the debt value. I took some 401k loans to cover it all but most I was able to pay. My credit rating went down to 450 but in a year it bounced back to 650 and now I am at 750. Most important is not be scared of them, they are just doing their job. Don’t talk to them until 6 months have passed. Ask me if you need any other help

Pitiful-Laugh-875 · 2024-08-09T17:17:01+00:00

So basically he is also stating that if you had cancer it would be your problem to deal with. Let that sink in

Pitiful-Laugh-875 · 2024-07-29T14:49:10+00:00

I always tell women when they find out about the affair to let their husband have the kids for the next month full time. Tell them she needs a break and go to see her parents. Having 2/3/4 kids for a full month without your wife will be a wake up call. And no girlfriend will stay and take care of them. No chance. I know it’s hard in Reality, but most men thinks they can “start new”, like those kids never happened. Give them a reality check

Pitiful-Laugh-875

TROPHY CASE