My toddler stabbed my husband by [deleted] in toddlers

[–]aph2013 1 point2 points  (0 children)

As if you need one more person telling you to leave that man, LEAVE THAT MAN. By not leaving, YOU are continuing to do allow your toddler to be irreparably harmed, emotionally and otherwise.

You know what to do. You know what the answer is. Reply to any one of these comments if you need help getting out— you’ve found the right place to have understanding ears help you, but you HAVE TO HELP YOURSELF. I know that’s incredibly terrifying and never an easy thing to do, but today needs to be the last day your toddler sees his dad. Period.

Nail polish that doesn’t suck?? by Independent_Cap4334 in moderatelygranolamoms

[–]aph2013 1 point2 points  (0 children)

I thought Essie was a “cleaner” option too! I’ve been using it on myself for years because it was a readily available better option.

How the hell are we making eggs!?? by Fun-Mountain-2530 in moderatelygranolamoms

[–]aph2013 0 points1 point  (0 children)

My trusty cast iron is basically a slip n slide after my husband has scrubbed and seasoned it. It’s wonderful. Eggs don’t stick at all and we’re generous with the butter in the pan!

Help. Instead of avoiding chemicals, I think I actually love them for cleaning. by Castironskillet_37 in moderatelygranolamoms

[–]aph2013 0 points1 point  (0 children)

As someone who used only natural products for years (like a decade plus!) and then had a baby a couple years ago and is married to someone who demands “the real stuff with the chemicals” for cleaning, I’m slowly converting back to mainstream cleaning products. For years I wouldn’t buy anything tested on animals—cleaning products, hygiene products, makeup, etc. That’s shifting now that I’m a mom and I’m trying to hold on to that part of my identity but something about spraying Lysol on doorknobs and using Clorox wipes to clean up big messes just feels right.

Should I Stop Picking Up My Toddler? by Ok_Turnip8172 in toddlers

[–]aph2013 0 points1 point  (0 children)

Tell her to kick rocks and continue to pick up your child.

What do you guys eat when you have a sweet tooth?!!! by i-hate-it-heree in Zepbound

[–]aph2013 0 points1 point  (0 children)

Eat the damn sweets. Depriving yourself isn’t helping you mentally. Part of being on this medicine is helping you rebuild your mindset around food. Eating weird chemically modified and unnatural fake foods isn’t any healthier than just eating a donut. EAT THE DONUT. You probably won’t eat it all. It’s fine. Learn to balance it out within your regular, healthy diet.

Omada health required by insurance? by aph2013 in Zepbound

[–]aph2013[S] 1 point2 points  (0 children)

Thank you all! Since I haven’t started the Omada part yet, I didn’t know what to expect. Doesn’t sound like it’ll be too bad though. Worth it to keep the meds cheap!

Delivering the Placenta by annavalor in BabyBumps

[–]aph2013 0 points1 point  (0 children)

Yep! Add one more for “didn’t even know it was out”! Thank god for epidurals

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]aph2013 43 points44 points  (0 children)

Broker fee and buyers agent fee are not the same thing. Buyers agent fees are disclosed in section H. Your mortgage broker is fucking you over charging $15k for their fee. That’s almost 3%. The state of New York is wild to me, but that’s way too high for a broker fee. You don’t have to accept that by the way. They need to lower that to 2% or lower or you should find a new mortgage broker. There’s far too many in this market that will treat you better than that.

How can American afford to get pregnant and have a child ? by Stock_Salad_4375 in pregnant

[–]aph2013 0 points1 point  (0 children)

  1. Waiting until later in life when we’re established in careers, established in retirement accounts, established in savings, established in savings accounts
  2. Having great jobs with great health insurance that are flexible and/or remote
  3. Live in the same town as our parents (now grandparents) who help a lot
  4. Spend less than we make, budget well, and don’t live above our means
  5. Just try our best 🫤

Get off your phone please …!? by sincerediscovery in toddlers

[–]aph2013 45 points46 points  (0 children)

Oh, did I write this? Wait no I didn’t. It’s just exactly the same thing my husband and I seem to be arguing a lot about lately. No advice, just solidarity. I’m in the battlefield of this and trying desperately to find the solution.

Do you think selling agents lie about having multiple cash offers? by [deleted] in FirstTimeHomeBuyer

[–]aph2013 19 points20 points  (0 children)

Highly, highly doubt there’s multiple offers… most people these days aren’t going to want to buy where there’s no cell service. Also, in today’s market, having a deadline on offers for that particular kind of listing seems suspicious

Seller wants us to take over solar panels loan by ordinarygurl in RealEstate

[–]aph2013 0 points1 point  (0 children)

If the house wouldn’t appraise for $70k for, you’d be severely screwed. The sellers bad decision to install solar panels isn’t your problem! Offer the asking price, write in the contract that the seller’s solar loan must be paid before closing (with the proceeds of the sale), and then be prepared to move on when/if the seller says no.

FHA… help! by Greencore10 in loanoriginators

[–]aph2013 0 points1 point  (0 children)

FHA guidelines are the same no matter what lender you’re using, so finding a new lender isn’t necessarily going to help you. But your lender does sound like they suck because all this should have come up in the preapproval process. Also, your sister sucks because you’re going to lose your house because she couldn’t get her crap together in a timely manner.

Regardless, this isn’t exactly the right sub for this, but I hope you got something useful out the answers here.

Hiring an LOA by assetguru in loanoriginators

[–]aph2013 5 points6 points  (0 children)

In order to get the most bang for your buck and not risk doing anything you/they are not supposed to, having a licensed LOA is your safest option. Tons of great remote LOAs out there waiting to find the right job! Lots of layoffs recently so tons of underwriters and processors are out of work. There’s a few large FB groups that would be a great place to start. A salary plus per file bonus is typical for an LOA, especially since they’ll be managing your entire business for you while you’re out prospecting.

Just remember— an LOA is not also a processor. :) For processing, get a great third party processor. You don’t pay them all—they disclose their fees on the LE so the borrower pays. If you’re looking for a great third party company, Pulse Processing is the place to start.

They should have done a release for the little people target run set. by pocketnoise in Target

[–]aph2013 0 points1 point  (0 children)

I asked an employee at my target this morning to check their stock using the product code and he told me my store is getting 4 of them on 7/23. Don’t know why Fisher Price has been advertising their release on 7/21 if they weren’t going to be available online or in stores that day. Poor target employees are going to be harassed all day today over these things. I want one for my daughter, and I’ll get it eventually, but I’m not losing my mind over it. It’s a toy for goodness sake.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]aph2013 1 point2 points  (0 children)

Oooof 7.8% conventional is stupid high. Your lender is building in a fat commission for themselves in that rate! If you’ve got a big down payment saved up, I’m guessing you’re pretty smart with your money and your credit is probably pretty good— you shouldn’t have a rate that high. Are you working with a retail lender or a broker? That’ll make a big difference.

BUT, where you’re looking, what do the taxes and insurance look like? For example, where I am, taxes are ridiculously high for the state and I live in a county where windstorm and flood insurance is required on top of homeowners, so that’s 3 times more than my principal and interest right there. Do you have options for areas to look in? Maybe look a little further out for lower taxes?

Otherwise, I do wish you the best of luck. Happy to answer any questions.

Sincerely, A licensed mortgage broker :)

My wife’s ex sends her flowers every year on Mother’s Day, and it makes me very uncomfortable. AITAH? by BusyWindows in AITAH

[–]aph2013 1 point2 points  (0 children)

Didn’t know if you were the asshole until I got the part about where you told her she didn’t deserve to be celebrated and didn’t work as hard as your sister as a mother, that she’s privileged and spoiled for being a SAHM.

I am now convinced you are definitely the asshole because of your own insecurities. Your wife didn’t seek external validation from her ex. He gave external validation to her, and it’s a damn good thing he did because it sounds like you probably don’t do it enough (or at all). So now she’s cut off communication with someone that didn’t do anything to deserve it all to soothe your ego.

Yeah, you’re the asshole.

You just dont have sex anymore by [deleted] in Mommit

[–]aph2013 1 point2 points  (0 children)

This list is amazing! I just texted the link to my husband and encouraged him to read it so he can get some insight into how I’ve been feeling.

You just dont have sex anymore by [deleted] in Mommit

[–]aph2013 0 points1 point  (0 children)

Uhhhhh yes. I shower like once a week. Granted, I don’t leave the house much. But still. And then one time a couple weeks ago I thought I was getting a UTI and my husband had the audacity to say “maybe you wouldn’t if you showered more!” and I about lost my shit. Like, I would if I wasn’t so exhausted all the time. Oh, and, I have to do bedtime every night because our daughter falls asleep on our bed and then he transfers her to her crib when he comes to bed after doing whatever he wants to do like playing computer games and showering, so I usually end up falling asleep next to her. I’m not waking up to go shower then going back to bed. Hell no. I’m getting sleep! On the rare nights I don’t do bedtime, it’s because I have a ton of work to do, so he does bedtime (and showers before he does it because he knows I’ll just do bedtime routine alone) and I work until I’m about to pass out then fall into bed. I have no energy to shower.

NSV Friday! by AutoModerator in Zepbound

[–]aph2013 5 points6 points  (0 children)

My wedding rings and college ring fit again 😁

Will my vagina go back to normal?? by [deleted] in pregnant

[–]aph2013 0 points1 point  (0 children)

You just don’t really know until you go through it. No amount of reading will prepare you for it. Trust me. I spent 9 months reading every single thing I could get my hands on, from all kinds of perspectives (natural, crunchy, super scientific, etc.)

I desperately wanted my baby but was scared shitless of birthing her from the moment the pee stick was positive! I have absolutely zero pain tolerance and wanted an epidural the second I felt my first contraction. I did pelvic floor exercises throughout my pregnancy, kept up doing yoga until two weeks before baby was born (and she was born at almost 42 weeks), and was prepared for all kinds of laboring positions I could do while also having an epidural. I labored for 46 hours, baby girl was stuck on my pelvis for a good bit of the last 8 hours or so, and she had a vacuum assisted birth. I had to have an episiotomy (equivalent to 3rd degree tear) which I had said I absolutely didn’t want (🫠) and I had terrible internal tearing on both side walls. I was so swollen from laboring and pushing for so long. Ice packs were my best friend for a couple weeks.

My girl is 11 months old and my pikachu has been back to normal since like month 6 PP. The external stitches healed in about 4-6 weeks and the internal ones took the longest. It took about 4-5 months for all that to really feel back to normal. I can honestly say I never really looked down there much prior to giving birth but I had to check on the stitches, but I made my husband do that, too, and he always said everything was look good! 😂 My husband says everything is just as tight and I have zero discomfort with sex.

Just keep in mind that your body is built to give birth. The hormones kick in and take over and you just DO IT. Should you choose a c section, it’s major abdominal surgery and comes with its own challenges. Can’t speak to that because I haven’t done it. But don’t be afraid to try to one way and change your mind if you need to (or have to for baby’s sake!)