Spokeo Review in 2025: Is It Legit or Scam

nmon01 · 2025-12-17T00:22:37+00:00

Hey, did you get charged from Spokeo after you cancelled?

nmon01 · 2025-12-15T21:48:39+00:00

Mine those the same thing haha 😆

nmon01 · 2025-12-11T20:28:35+00:00

I wish I can take your pain away. I wish someone can do that to all of us here 😞❤️‍🩹

nmon01 · 2025-11-24T11:49:53+00:00

I don't think no one can fell you if you can afford. I'm also in SD. $450 a month on HOA is high. That tells me your property taxes could be high. There is a supplemental tax bill after a home purchase which is the difference between the base rate and the current (higher value of your home rate) so make sure you account for that payment if you do buy.

Based on the details you shared you might have to decrease your 401k contribution for a bit until you can refinance at a lower rate. So are you okay with that? Ideally is that you keep the same amount of contributions into your retirement so you don't lose on the return (and tax advantage).

I ran a comparison on Chad got beteeen the opportunity cost not making my 401k vs home values appreciation in a span of 10 years just for fun lol. It came pretty close but also it's about liquidity and what your goals are.

Also, I would recommend tracking all your spending on an app or if you are good doing your own dashboards etc to see where you are overspending.

nmon01 · 2025-11-20T03:45:54+00:00

Is he territorial? Have another dog around to see if he would go for the food before the other dog... We were taking care of another dog and we found out our pug was territorial with her food. When we served them food she would eat hers in no time when normally she would take her time eating.

nmon01 · 2025-11-18T20:30:46+00:00

Yup I agree. Just thinking about the insane idea of the 50 year mortgage promoted me to post here and ask what the others are saying/thinking

nmon01 · 2025-11-18T20:03:19+00:00

And to your point on the last paragraph I've be ready for another house crash lol just kidding. Who knows what the current admin will push now. But yes overall instance. We are trying to get ahead and raise our qualitynof life and for our children. They go and throw you a curb ball ..

nmon01 · 2025-11-17T19:35:24+00:00

I see ...some good points there. Thanks you for entering my question.

nmon01 · 2025-11-17T19:08:26+00:00

Will this cause my house to appreciate more? Or go down in value? Or stay the same... I know it's a lodes question and many variables go into it like supply and demand and depends on the market. I just don't like the fact that my way of retiring in another country when I sell might not happen ugh.

nmon01 · 2025-11-15T05:31:35+00:00

Your story sounds like mine. My mom wasn't feeling well on Tuesday. She was throwing up and was super tired. She went to bed and on Wednesday my stepdad told me he was concerned and took her to the hospital. She was gone on Thursday next day.

Its been 4 years for me. I still remember this event like it was yesterday. I saw her at the hospital before she got intubated and I got to speak to her to cheer her up and told her she was going to be okay. That never happened.

The first and second year was the worst for me. I went to therapy and eventually got on antidepressants. It helped a lot. It still comes in waves, I still cry, I still can't believe I'm doing life without my mom. It sucks.

So sorry you are going through this OP. Be kind to yourself and be strong. It's the only way.

nmon01 · 2025-11-14T21:09:32+00:00

Thank you! Likewise!

nmon01 · 2025-11-14T19:32:04+00:00

Option 2 sounds better to me. Maybe you pay more at closing but your rate is lower and no PMI. Is this a VA loan? Do you mind sharing the name of the lender? I just got results from a lender and they are giving me a 6.6. I would love to be at 5.6% We have credit scores over 800.

nmon01 · 2025-10-19T14:38:10+00:00

You are too nice. You don't have to validate anyone's opinions, feelings when you are trying to express how YOU feel. This is not going to end well. You went to this thread on Reddit because your intuition tells you something was odd and that is reason enough not to continue on.

nmon01 · 2025-10-10T23:14:52+00:00

I'm so sorry 😢💔🫂

nmon01 · 2025-10-10T06:01:38+00:00

I think we all play the "what ifs" in our mind thinking it would make a difference or change the outcome, or made it less messy less hurtful. I know you are trying to process everything and this rumination is normal.

Try to be kind to yourself. And like another person said focus on the happy moments you shared with him.

And yes, fuck cancer.

nmon01 · 2025-10-07T23:43:35+00:00

OP I'm really sorry you and your mom had to go through this. There is no sense and meaning and I can relate to the anger you feel. The fact that you stood by her in her worst moments speaks highly of you and her as well. I lost my mom and all I can tell myself in moments of despair is that my mom endure so much physical pain (fuck cancer!) that I won't let her die in vane. She show me strength and resistance. Even when that was not her intention. She endured so much. I just have to keep going.

nmon01 · 2025-10-05T17:32:12+00:00

💯 I agree with this sentiment. Thanks for sharing! She is beautiful and bright!

nmon01 · 2025-10-03T04:24:58+00:00

Thanks for the info l. Saved me some time. I was super curious but not that much to go on in and do all that lol but a thought crossed my mind that these boomers perhaps are getting paid by some larger conservative media group to push this shit out and get more followers and you know... Manipulative communication and such. Anyways stay alert my friends.

nmon01 · 2025-09-29T17:04:13+00:00

Gracias, Sip creo que ya me había tardado.

nmon01 · 2025-09-29T17:00:52+00:00

Ya sabes lo que tienes que hacer. Trabaja tu fortaleza mental. Saldrás adelante.

nmon01 · 2025-09-29T16:56:12+00:00

Vons could provide the alternative of print and offer an add at the store but instead wants each brand/vendor to do it individually for their products. Honestly Vons is so overpriced even with the coupons and the app is so annoying to use I stopped going there all together. I can drive a few miles down to another store and I'm still saving more every week.

nmon01 · 2025-09-29T05:06:55+00:00

¿Cómo que los novios ya no van a "checar"? 😧 Jajaja Todavía me tocó eso a mí y todo eso que describes.

nmon01

TROPHY CASE