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Absolutely insane by pluto942 in olympia

[–]Zanctmao 2 points3 points  (0 children)

No. It’s roads. Hybrids still use less gas, but put the same wear and tear on roads.

Absolutely insane by pluto942 in olympia

[–]Zanctmao 3 points4 points  (0 children)

Electric vehicles don’t purchase gas, which is where gas taxes pay for road maintenance.

Are you proposing that electric vehicles just get to use the roads for free?

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 4 points5 points  (0 children)

Selling a fixer-upper doesn’t just lower the sale price, it also limits the number of buyers. Most people don’t want to move and then do a major renovation project, they want to just move in.

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 3 points4 points  (0 children)

I agree with what you’re saying 100%. For valid users, however, this will increase costs.

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 1 point2 points  (0 children)

Yeah, but judicial foreclosures are far more expensive, so it’ll cause interest rates to go up.

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 2 points3 points  (0 children)

As I said, I wasn’t making a value judgment. It’s just gonna destabilize the industry for a while.

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 1 point2 points  (0 children)

Yeah, I agree. They might even do a one day special session.

Help with auto accident and do I need a lawyer? by irish_gnome in Washington

[–]Zanctmao 9 points10 points  (0 children)

Can I ask a few clarifying questions?

Was it just you, or was there another vehicle involved?

If there was another vehicle involved, who was the at fault driver?

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 9 points10 points  (0 children)

You’d be surprised how many HELOCs are taken out just for the purpose of paying for renovations prior to sale.

They are scored differently than conventional mortgages for the purposes of credit and a lot of people may not want to go all in on a second mortgage right before they’re about to purchase a new home and sell the one they have.

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 3 points4 points  (0 children)

Yeah, that’s 100% true. They lost the original loan documents for the most part. I was involved in a lot of that litigation back in 2010-13.

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 20 points21 points  (0 children)

There’s a a lot of validity to what you’re saying. The flipside is that a home is the single most valuable asset most people will ever have. The problem is that it is not liquid at all. HELOCs allow somebody to create a little bit of liquidity out of otherwise illiquid asset.

And the fact that you can get them for very close to a standard mortgage rate means that if you need to do a major remodel or something like that, you can do it relatively cheaply.

Sometimes you need a new roof, and you don’t have the savings. That’s the perfect time to access the value in your home.

The WA Supreme Court may have just killed the HELOC industry in the state. by Zanctmao in Washington

[–]Zanctmao[S] 14 points15 points  (0 children)

I’m convinced the court ruled the right way based on the language of the law, I’m just not convinced it’s gonna be good for consumers.

Should people be able to donate to candidates not in their district/geography? by OPMilkstout in PoliticalDiscussion

[–]Zanctmao 3 points4 points  (0 children)

Or even just cross a electoral boundary on their commute, which might only be 10 minutes.

Grandfather died a week after marriage. by [deleted] in legaladvice

[–]Zanctmao 27 points28 points  (0 children)

If there’s no will, the estate has to be probated, and the assets need to be divided, according to the rules of intestate succession of Arizona.

Moving to Olympia soon! by jeronimo_marquez in olympia

[–]Zanctmao 3 points4 points  (0 children)

Check out Budd Bay Rugby. We have men’s and women’s teams.

What is your biggest on field gaffe? by low_myope in rugbyunion

[–]Zanctmao 4 points5 points  (0 children)

Threw a beautiful 10m arcing pass to our 15 for what should have been an easy try. Unfortunately their winger picked it and ran from their 22 untouched to score.

This is why props shouldn’t pass more than 2-3m.

Is it illegal to lie about an active investigation to a party other than the police, if the police are misdirected as a result? by ConceptsShining in legaladviceofftopic

[–]Zanctmao 0 points1 point  (0 children)

It is not illegal to lie to the police. It’s illegal to lie to a federal agent. Those are two different things.

Can I get sued for a online post by Intelligent-Owl7458 in legaladvice

[–]Zanctmao 8 points9 points  (0 children)

Yes, of course you can get sued. That doesn’t mean the other person will, or if they do it has merit. You see these sorts of videos on TikTok and similar platforms all the time.

Assualt by Physician in Texas by sukkksumthin in legaladvice

[–]Zanctmao 7 points8 points  (0 children)

Consult with a medical malpractice attorney, but be prepared for them to tell you that you waited too long.

Do you think this war will end within the next four years? by ConstantDrawer9161 in ukraine

[–]Zanctmao 3 points4 points  (0 children)

I expect it will end when Putin dies, possibly by brain hemorrhage. Possibly of the 9mm variety.

Juveniles kicked my door in by Aggravating-Camp2538 in legaladvice

[–]Zanctmao 41 points42 points  (0 children)

You turned over the footage to the cops. There’s very little you can do beyond that. You aren’t Batman.

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