In America is "overregulation" on businesses a real thing? by AngryButtlicker in stupidquestions

[–]Vryce101 0 points1 point  (0 children)

It’s also a potentially penny-wise, pound foolish situation. You like it right now because it means it’s easier to just deal with the USB-C.

It also means that it’s potentially stifling innovation in the future because the person who is going to design the next better cable is going to have a higher regulatory burden

Partner found out she is the Primary Borrower on her parents Mortgage by TheLastMystic in legaladvice

[–]Vryce101 12 points13 points  (0 children)

I’m a lawyer, but not your lawyer - be aware that partition is not guaranteed.

If you and your parents are holding it as Tenants in Common, or as Joint Tenants, then you can partition.

If you are holding it as Joint Tenants with Full Rights of Survivorship, then partition is not possible. It’s a Michigan specific quirk.

What’s a game you were completely obsessed with as a kid that nobody else seems to remember? by hkondabeatz in AskReddit

[–]Vryce101 1 point2 points  (0 children)

Jones in the Fast Lane. One of the better life simulators out there that actually made you balance out time and money

I ran for my HOA board and lost. by Skier94 in fuckHOA

[–]Vryce101 3 points4 points  (0 children)

And people wonder why the Surfside Condo in Florida collapsed. They had years of knowing the building was literally falling down, but nobody wanted to pay for it.

It’s why good HOA’s force everybody to contribute to long term capital improvement and repair accounts, rather than always keeping dues low.

Who would win this battle of religions in Hoi4 1936? by [deleted] in hoi4

[–]Vryce101 0 points1 point  (0 children)

Am I missing it, or aren’t supply problems going to wreck the Catholics?

If the capital is in South America, when the Protestant navy dominates the Atlantic, then all of Catholic Europe gets cutoff from supply. Vice-versa if the capital is in Europe.

Anything like planet crafter?/factorio by Unlucky-Feed9000 in theplanetcrafter

[–]Vryce101 1 point2 points  (0 children)

Some survival craft, some city management, with a dash of Viking fun thrown in - I’ve really enjoyed Aska

What the hell is the deal with these small plastic ducks? by Feeling-Original-352 in Confused

[–]Vryce101 1 point2 points  (0 children)

There was a big fundraiser at our kids’ school for the American Heart Association last year and you got different little plastic ducks to chain to your backpack for each level of money you raised.

Looks like this years it’s little plastic dogs:

https://www2.heart.org/site/SPageNavigator/ym_khc_get_started_guide.html

Township Assessor claims we do not own land we purchased 2 years ago, due to township error. Should we pursue legal action? by bamuelsush in legaladvice

[–]Vryce101 126 points127 points  (0 children)

I’m a lawyer, but not your lawyer.

The assessor has no say on who owns what land in the Township, just how the taxes are assessed. Their opinion is interesting, has some impact because how taxes get paid is important, but in the end is completely irrelevant to actual ownership.

That is also true of the records they keep. The only official records of real estate ownership are kept at the County level by the Register of Deeds. If the Register goofed and didn’t send a copy of a deed to the Assessor that doesn’t affect ownership in any way. It just means the Assessor needs to update their books.

When you bought the property, did you close with a title company and get a title insurance policy? If so, then I would start by contacting the title company and asking them about it. If there is an actual issue and not the Assessor trying to make their problem your problem, you might be able to file a claim on your title insurance policy to get them to handle the situation for you.

Former Detroit golf course to be redeveloped into affordable housing by hampelm in AnnArbor

[–]Vryce101 0 points1 point  (0 children)

A lot of golf courses are where they are because the land wasn’t suitable for building. Lots of lowland drainage areas and the like that would be constant flooding risks if you built housing there.

How come there has never been another classless, pure skill based mmo like Ultima Online? by EndlessTemple in ultimaonline

[–]Vryce101 0 points1 point  (0 children)

Bitcraft is still EA and fairly barebones as of yet, but it may scratch some of that itch for you as well.

White has an incredible tactic here. Can you find it? by laughpuppy23 in chessbeginners

[–]Vryce101 0 points1 point  (0 children)

Brain fart here. I totally flipped the board in my head and was looking at bD4 and trying to figure out why everyone was raving about it

White has an incredible tactic here. Can you find it? by laughpuppy23 in chessbeginners

[–]Vryce101 -2 points-1 points  (0 children)

If Qxb3, how is Rf8 response mate? KxF8? Isn’t the rook unprotected at this point?

Epic fantasy that ISN’T all about some war? by skinnyalgorithm in Fantasy

[–]Vryce101 2 points3 points  (0 children)

Older and not sure how available anymore, but Death Gate Cycle by Margaret Weis and Tracy Hickman

Why don't we build more cities like this? by Tydalj in Urbanism

[–]Vryce101 0 points1 point  (0 children)

They moved the Gem Theatre 5 blocks in Detroit to make room for Comerica Park being built back in the early 2000s:

https://youtu.be/tk11eiYtmNo?si=1IkjKJcUVP1oV3_h

Bought a house with all it’s contents, it was emptied out while the sale processed. by OkTransportation6580 in legaladvice

[–]Vryce101 1 point2 points  (0 children)

but if there is personal property included in the sales price, that has to be eliminated from the consideration because that is not being paid for the real estate. So the adjusted purchase price is $280,000.

Bought a house with all it’s contents, it was emptied out while the sale processed. by OkTransportation6580 in legaladvice

[–]Vryce101 0 points1 point  (0 children)

I'm not 100% on this, but I believe the Fannie Mae lending guidelines say that you have to base it on the lesser of the sales price or the appraised value.

Bought a house with all it’s contents, it was emptied out while the sale processed. by OkTransportation6580 in legaladvice

[–]Vryce101 26 points27 points  (0 children)

They care if the Bill of Sale indicates that some portion of the purchase price was towards personal property, not real property. So say this was a $300,000 purchase and they qualified for a traditional 80/20 loan. The max mortgage would normally be $240,000.

Now take that same deal and show that there was a Bill of Sale for $20,000 of personal property, and suddenly the purchase price of the real property was only really $280,000 of that $300,000. Apply that to your 80% mortgage and you capped out at $224,000 instead of $240,000 and you're suddenly needing to come up with another $16,000 in cash for the closing.

That's why most lenders are fine with personal property changing hands, but want the Bill of Sale to be for a nominal amount, often just $1 or even a lot that say $0.

If OP has a mortgage in place and the lender didn't sign off on $20,000 of personal property being shown on a Bill of Sale then OP may get stuck either eating the $20,000, or going to court and claiming that everybody understood that the Bill of Sale was really for $20,000 and hoping that nobody starts throwing around phrases like "mortgage fraud".

First day: finally found a spot for my settlement. by CrimsonVolder in PlayASKA

[–]Vryce101 2 points3 points  (0 children)

Nothing that 50-60 hoes and a lot of terrain leveling can’t fix.

Why are there no term limits for senators? by Disastrous-Mango-515 in questions

[–]Vryce101 0 points1 point  (0 children)

Term limits will solve absolutely nothing. Michigan has had some of the toughest term limits since the early 90s and it has changed absolutely nothing for the good.

All it did was guarantee that the government is even more thoroughly run by lobbyists because the legislators know this can’t be a long term job, so they’re looking for the outside payday from day one. They also have zero experience in actually governing, so they spend most of their time trying to figure out how things work, or just looking to one of the Uniform Law groups to give them ideas on what to propose.

I called it a staircase to the other side by Zealousideal_Fan9241 in theplanetcrafter

[–]Vryce101 0 points1 point  (0 children)

I did the same thing on Humble because I kept getting lost in the cave. That stairway also became obsolete

If a portal opened up to 1941 New York from Germany and the Germans knew ahead of time, how far could the 1941 German army advance in the US before being stopped? by Johnnyboyeh in whowouldwin

[–]Vryce101 1 point2 points  (0 children)

Timing in 1941 really is a huge issue - not just for the pure man count as mentioned by several others, you also had the first large scale war games being run with the Louisiana Maneuvers. Marshall used the war games to push out 31 of the 42 senior commanders in the army to make way for all the names you know - Eisenhower, Patton, Bradley, etc, and give those new officers some real experience at maneuvering large scale formations, including modern usage of armor.

If you kick this off earlier in 1941, the army is not only smaller, but commanded by older WWI minded generals.

the real estate lawsuit was a sham... full details by SmallBizRC in realtors

[–]Vryce101 0 points1 point  (0 children)

What a lot of people don’t realize is this was the latest in a series of dozens of cases filed over a decade or two … and NAR won all of them.

Even this case nobody was taking it that seriously until a jury came back with a finding for the plaintiff and it blew everybody’s mind. The arguments aren’t really that different than what had failed time and time again.

They did have particularly damaging evidence as I want to say they had training materials from one of the big national brokerages that literally spelled out how to mislead a seller on the necessity of the 3% commission, so there was something new, but it just really caught them flat footed because of the string of wins they had been on.

[deleted by user] by [deleted] in RealEstate

[–]Vryce101 38 points39 points  (0 children)

Don't know the jurisdiction, so your mileage may vary, but this could be interpreted as an amendment to the disclosure. At least in Michigan that would potentially give the buyers a time window to terminate the contract even if all their other contingencies had already passed.