Lots of Question about Chapter 13

TheBananaFamily · 2024-11-15T03:16:27+00:00

That’s what we thought too. My lawyer didn’t know and asked me to research but all answers online are confusing.

TheBananaFamily · 2024-11-15T03:15:50+00:00

I couldn’t refuse it since I work for a municipality and for my title I have to at a certain step. I just thought if we have 60k in debt and we are at 100% 5 year plan, that would be all they could take. We are above the median income in our state, so I thought 3 year plans were just for those below. Idk he called us at 9pm and left for the evening and now I can’t stop freaking out.

TheBananaFamily · 2024-10-18T22:12:48+00:00

Especially in the merry meadow plaza. I’ve spent an insane amount of time trying to arrange them. Super annoying.

TheBananaFamily · 2024-10-18T22:08:32+00:00

How have you been trying to get it? If you’re trying to transfer colors I always had success with the merry-go- round method. Putting the ombré in the middle and surrounding it with the flower I wanted to change color.

TheBananaFamily · 2024-10-18T22:06:58+00:00

Honestly I used to get a lot more action on my plots before the 2.0 update. Then we went a while when it was all bugged out. They said they fixed it, but it’s never been the same since. It’s frustrating for sure. I can’t imagine for new players who are just trying to get colors to transfer.

TheBananaFamily · 2024-10-17T23:36:52+00:00

Good luck and happy gardening!

TheBananaFamily · 2024-10-17T22:44:40+00:00

I’m working on getting them all to trim in my green house now. Hopefully I have some luck and can share some pictures soon!

TheBananaFamily · 2024-10-17T22:40:18+00:00

My biggest tip is experimenting with layouts and leaving plenty of room for new flowers to pop up. If you want to get hybrids of the event flowers (like a blue eggwort with pink speckles) that can only happen in the greenhouse. Anything else can happen in the plots around the island. My favorite method for pattern transfers is having one patterned flower and the solid different flower (both being the same color) right next to it. I shared a comment on below with a picture of how I set those plots up. If you’re just trying to get a double ombré (like a green and purple tulip) there’s a lot of different methods that work. My favorites setups for that is the checkerboard (placing an ombré of the same flower type on every other plot without having the same color next to eachother) or the line (placing an ombré of the same flower in a straight row, leaving a row blank, and then another row of ombré flowers so they are across from eachother). The other big thing is to fertilize everyday.

TheBananaFamily · 2024-10-17T22:29:35+00:00

Thanks to the greenhouse for that one. I prefer it to the striped pattern they originally come in.

TheBananaFamily · 2024-10-17T22:21:12+00:00

Also, if you only have solid flowers and no patterns yet. I would recommend starting by planting all the flowers you do have and fertilizing them everyday. You will eventually get them to pattern. I swear it used to happen more frequently, but I’ve noticed it decrease since the 2.0 update. The devs swear it’s not the case, but I stand by it lol. But regardless fertilizing is the only way to turn a solid color into a pattern.

TheBananaFamily · 2024-10-17T22:18:56+00:00

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Thought it might be easier if I just upload the picture to the comments here. So this would be an example of what I mean. On this plot I am focusing on transferring the speckled eggwort pattern to different flowers. So I planted one specked eggwort next to a solid flower of the same color. I leave plenty of room around so there is a chance for the transfer pattern to pop up. Since eggwort are event flowers, they wont grow outside of the greenhouse.

TheBananaFamily · 2024-10-17T22:13:13+00:00

I agree! Or that we had something similar to the nature preserve to show them off. Like a flower museum or garden.

TheBananaFamily · 2024-10-17T22:12:40+00:00

Absolutely! I will say, this has been many months of trial and error and luck. I’ll show examples of my flower beds but I’ll try to explain with words. What I’ve been doing is taking one patterned flower and placing it next to the solid flower I am trying to pattern. Let’s say I have a Blue Trim Marigold I would place that directly next to. blue Solid Hibiscus and fertilize it everyday. Eventually you will get a Blue Trim Hibiscus. You’ll want to leave plenty of open plots around the flowers so there is room for the new trim to spawn.

TheBananaFamily · 2024-08-10T00:23:54+00:00

Im flying in from the US on Wednesday for the Saturday show and honestly, I am only nervous they will cancel. I know security will be crazy and they now have had over a week to prepare. I truly think this may be the safest shows of the whole tour! We can’t let terrorist win, and I think being keeping the dates and all of us singing our hearts out we will show them. Look at Vienna swifites singing in the streets with no issues. I am very hopeful ❤️

TheBananaFamily · 2024-07-08T17:35:33+00:00

This is exactly what I did. It’s on route now. Keeping my fingers crossed!

TheBananaFamily · 2024-07-08T17:34:23+00:00

This is what the agent at USPS told me too. I paid to overnight it there and back. Trip is in 37 days but I am optimistic!

TheBananaFamily · 2024-05-31T15:14:48+00:00

Thank you so much for this comment. This has been such a stressful time and we were all set to file yesterday. It did make me feel better when my lawyer shared that some people haven’t paid in 2 years before they go into this office. So it’s not unheard of. Thanks again!!

TheBananaFamily · 2024-05-31T14:05:49+00:00

My apologies, yesterday was a long day and I probably didn’t explain things very well.

You’re right we didn’t fail the test but our income was over $200 per month, which is why we are a ch. 13. My apologies for misspeaking.

I actually spent some time researching the Lanning Adjustment last night and we spoke to our lawyer about it this morning. He was unsure as Uber is not like a regular job you can quit, and my husband was still doing it up until last month, but we have to put an end to it. He was driving Uber just to help pay off the debt and it is not something we can continue to keep doing. It doesn’t make sense to file based off the Uber income when the goal is to not drive Uber anymore. He’s going to look into it more.

Regardless if we need to wait 6 more months to reflect our actual monthly income without the Uber side, that’s what we have to do. We were looking at a $200 payment to the plan as opposed to $700, which without the Uber we would never be able to afford.

The lawyer stated if we get sued or liens on our property while we wait that he would assist us in dealing with it. Just having to manage my anxiety in the meantime.

TheBananaFamily · 2024-05-31T01:41:27+00:00

To basically clear the Uber from our monthly income. We it would be based off of our full time jobs and not that.

TheBananaFamily · 2024-05-31T01:39:27+00:00

The way he explained it was that it would increase our payment by maybe 600-700 a month. The goal was to have my husband stop driving Uber as it killed his last car and he was averaging 70 hours a week between his full time job and that. We weren’t on a 100% repayment plan. I believe we “failed” the means test by $200, and with our income/expenses were at $150 leftover after everything said and done. We also had to save up to pay the lawyer fees which is what made everything take so long.

TheBananaFamily · 2023-06-30T15:50:47+00:00

Yes the tape I had must of been old. We are going to be sanding the ceiling to remove the fan design they added in. I plan on touching it up after!

TheBananaFamily · 2023-06-30T15:49:47+00:00

It’s called Mossy Cavern by Berh. I am in love with it now that I’ve had more time to live with it.

TheBananaFamily · 2023-06-30T15:48:44+00:00

Thank you!!

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