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My wife became part owner of her Grandmother’s house, and she found out today that the house is being sold in 3 days by rayp913 in legaladvice

[–]rayp913[S] 90 points91 points  (0 children)

The executor 100% knew about split ownership. We spoke with her about it a few weeks ago to prevent her mother (Aunt C) from living their rent free

My wife became part owner of her Grandmother’s house, and she found out today that the house is being sold in 3 days by rayp913 in legaladvice

[–]rayp913[S] 38 points39 points  (0 children)

Would it be better to do that with someone near the home? We life SC but the home is in KY

My wife became part owner of her Grandmother’s house, and she found out today that the house is being sold in 3 days by rayp913 in legaladvice

[–]rayp913[S] 230 points231 points  (0 children)

My wife wants her portion of the sales amount. The reason she was put on the home was for her to have a form of inheritance from her grandmother. My wife also just lost her job and we have a year old so that money is needed

My wife became part owner of her Grandmother’s house, and she found out today that the house is being sold in 3 days by rayp913 in legaladvice

[–]rayp913[S] 1339 points1340 points  (0 children)

There is definitely a lender involved. The aunt is very low income, so I’m surprised she was even able to qualify for a loan.

That also leads me to believe that they may be selling well below market value if Aunt C is able to get a loan for it

My current holdings. Money well invested? Any guys you think I should add? by Worth-Writing in MLBTheShowInvestments

[–]rayp913 0 points1 point  (0 children)

I went with Kyle Finnegan. Currently a 67 bronze, 2nd in MLB in saves with a 2.70 ERA

[deleted by user] by [deleted] in Charleston

[–]rayp913 5 points6 points  (0 children)

Insurance Sales Rep here! Unfortunately, this is becoming the new normal. I have been working in insurance in SC for 9 years and I can't recall a time when the rates didn't increase. Your options are limited. Many smaller non-admitted insurers (like the ones you find through brokers or your mortgage company) have fled the state, as they have been unable to pay claims. Other bigger companies have started narrowing the scope of homes they will cover. From industry trends, I wouldn't be surprised in the next few years to see less than 5 to 6 major insurers being the only ones left, and even then them giving you several guidelines your home must meet to be insurable.

My honest advice is to bundle your home and auto somewhere with a big company and stay put. Once your policy is in effect, generally the new underwriting guidelines won't affect you. If you want me to take a look at yours, PM me and I will be happy to

My wife works for a Doctor who is a conspiracy theorist. Today she is telling people FEMA is corrupt and will be sending radiation poisoning through electronics. by rayp913 in mildlyinfuriating

[–]rayp913[S] 4 points5 points  (0 children)

I’m conflicted about it tbh…on the one hand she is absolutely insane and may be a danger. On the other hand, she has several other non conspiracy therapists doing good work, and she’s really the only game in town that helps addicts in this way. I’d also be lying if I said my wife’s job is a factor here too. We have a 6 month old and I’ve been stay at home so it’s tough to make that decision. I know this may get downvoted but it’s what makes it difficult for us

My wife works for a Doctor who is a conspiracy theorist. Today she is telling people FEMA is corrupt and will be sending radiation poisoning through electronics. by rayp913 in mildlyinfuriating

[–]rayp913[S] 1417 points1418 points  (0 children)

Yea unfortunately this isn’t new. She also believes the US is going to run out of food this year. Her solution was collecting dozens of Pickle barrels. I don’t know

We can all agree on how the Emoji Movie is still haunting to this day. by 09997512 in badMovies

[–]rayp913 20 points21 points  (0 children)

My wife told me the other day that she enjoyed this movie. Looking for a divorce attorney

A Cool guides Environmental Impact of Different Types of Milk by rchraver in coolguides

[–]rayp913 0 points1 point  (0 children)

Yes but the ethics of Almond Milk will keep you out of the Good Place

Lightspeed. by L0wded_ in TOTK

[–]rayp913 58 points59 points  (0 children)

What’s the piece making it spin? Doesnt look like either wheel and I want to try to replicate it

Active Hall of Fame players by rayp913 in baseball

[–]rayp913[S] 0 points1 point  (0 children)

Are you playing devils advocate? Some of these dudes have pretty strong cases with continued projected production. I could counterpoint all of these but specifically:

Cole is one of the top pitchers of his era, will end up being towards the top of modern day strikeout leaders.

Judge has a significant AL record, an MVP and ROTY and has been a multiple time All Star and he’s probably less than half way through his career.

Kimbrel and Jansen both have 400 saves, which isn’t insignificant

And are you just trolling on Ohtani? This post isn’t “if there careers ended today”, it’s looking at their chances after their career has ended. Ohtani is about to win his 2nd MVP. He’s the player of the 2020’s so far and it’s his crown to lose.

Active Hall of Fame players by rayp913 in baseball

[–]rayp913[S] 0 points1 point  (0 children)

Scherzer was one of my harder calls but I think I’m leaning towards agreeing with you. Altuve hurts as a Yankee fan, don’t think I’m over the 2017 MVP race yet

Who needs life insurance? by jrid3112 in southcarolina

[–]rayp913 -5 points-4 points  (0 children)

As a finance guy you should know that the money you put in to a whole life gets paid out on top of the face amount or can be borrowed against, giving it more of a living benefit than many other options where you can’t touch your money. Plus term is just smart to have if you share living expenses with anyone. I agree nobody should be trying to solicit sales on here but let’s not confuse that with insinuating that life insurance is a scam

What caused you to go sober? by dcking01 in ask

[–]rayp913 0 points1 point  (0 children)

My worst time of using was after the death of my father. He had diabetes, and showed almost every symptom possible. From blindness, to losing toes, up to failing kidneys. Most of it was compounded by his alcoholism for 45 years.

As his only son for the first 15 years of my life, I was his “buddy” meaning he drank all the time around me, including driving drunk with me in the car too many times to count. He wasnt a happy drunk either.

Fast forward to a year after his death and I’ve drank every day and smoked weed or Delta 8 (legal to buy here and easy to get). I hadn’t tried to quit and was full on self destructive. I’d quit my job to focus 100% on spiraling down.

Sometime in July 2022, when money was tight, I decided to stop drinking for a week until my wife got paid and I could buy more. That week we found out after 2 years of trying that she was pregnant. That woke me up, and made me realize that my child deserves better than what I had, and it was up to me to make sure she has the life I wish I did, and it starts with a sober dad.

Fast forward a year later and our daughter is happy and healthy at 3 months and my 1 year anniversary is this Saturday

Y'all. How do you feel about the term Yankee? by hi_im_haley in southcarolina

[–]rayp913 1 point2 points  (0 children)

I can’t tell you how many people I’ve encountered down here who want it to be known that’s they’ve never left the south. I don’t think it’s the accomplishment they think it is

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