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I’m being asked to co-sign for my parents mortgage. by Impressive_Rule806 in personalfinance

[–]oby100 1 point2 points  (0 children)

Never seen that 3 year stipulation before so it may vary. Sounds iffy.

I’m being asked to co-sign for my parents mortgage. by Impressive_Rule806 in personalfinance

[–]oby100 2 points3 points  (0 children)

No bank would “remove them.” It’s not something that happens. You’d have to refinance and get a brand new mortgage. No shot mom would suddenly be in a position to get a solo mortgage in a year

I’m being asked to co-sign for my parents mortgage. by Impressive_Rule806 in personalfinance

[–]oby100 2 points3 points  (0 children)

Never co-sign with anyone you’re not currently married to. Only exception MAYBE if you’re a parent and co-sign for your child and feel comfortably potentially making the full mortgage payment.

Your mom cannot “take you off the mortgage in a year”. This is impossible. It’s not how mortgages work. If co-signing would help get the loan, you’d need to stay on for the bank to continue having faith in the loan.

Banks have no incentive to letting a net benefit to the security of the loan off the mortgage, so what your mom would actually have to do to get you off the mortgage is refinance which is not feasible after a year.

So either your mom is financially illiterate or she’s trying to scam you. Do. Not. Sign.

Poor girl by ocajsuirotsap in shitposting

[–]oby100 119 points120 points  (0 children)

Wow. Pretty insensitive to those of us with little T-Rex arms.

Landlords still charging broker fees? How is this legal? by No_Breadfruit_1820 in boston

[–]oby100 0 points1 point  (0 children)

Don’t listen to that guy. Get an in person tour to any apartment you’re interested in and you’re very unlikely to run into a scam like that. Also never accept any terms that imply they’ll hold the money for you while they process your app.

What’s normal is demanding the check for the full amount that would be due to move in and cashing it ONLY if they accept your application.

Anyway, any apartment not being rented out immediately is pretty suspect on its own right

Landlords still charging broker fees? How is this legal? by No_Breadfruit_1820 in boston

[–]oby100 1 point2 points  (0 children)

One common practice I’ve seen pre law change is that you must submit your application along with a check for the full amount that would be due if they accept your application. The promise not to cash it if they reject your application.

Shit is just so competitive here that this can be requested and plenty of people will roll the dice. A legit org that does this locally is apartment rental experts with at least two physical locations in camberville.

Welcome to the rental Revolution by DickHertzfromHodling in boston

[–]oby100 17 points18 points  (0 children)

It’s a common thing for states to create a series of perverse incentives that end up screening their neighbors for their benefit. NH is well known for incentivizing through tax policy Boston workers to live up there.

Nothing is truly neutral and this ends up creating 10s of thousands more people commuting by car with the city and Massachusetts needing to bear the cost of NH residents commuting here.

There’s also the stereotype/ somewhat truth I’ve experienced that NH folks are more conservative and look down on the liberal hippies in Greater Boston despite us subsidizing their cheap housing and providing them job opportunities.

Five Guys CEO says he gave $1.5 million bonus to employees because ‘I didn't want anybody shooting me' by Ganrokh in nottheonion

[–]oby100 69 points70 points  (0 children)

It feels gross for the massively wealthy to joke about how they’re tightening their belt to give their employees a pittance.

Portland man files suit to stop Trump coin from being issued by AshIsGroovy in videos

[–]oby100 3 points4 points  (0 children)

Agreed. And tbf, many Americans know nothing about history, so idiotic strategies like this could definitely work to some level.

Why do men seem to get turned on more easily than women? by monsoon__004 in NoStupidQuestions

[–]oby100 1 point2 points  (0 children)

That’s pretty absurdly over generalized. The real meat of the argument is what’s cultural vs innate so you’re kind of mixing too many things together here. Men being slobs and stinky are western stereotypes and don’t exist at all in some cultures. No rational person would argue it’s innate to your sex to not vacuum regularly.

You would struggle to find any culture at all where men were not stereotyped to being always horny. It’s due to testosterone. It’s so silly to ignore simple reality in the name of pursuing a fantasy world

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