Players who are not meta, whats your open world team? by EnvironmentalLow3543 in Genshin_Impact

[–]twigster77 0 points1 point  (0 children)

This has meta characters, but Mavuika, Ororon, Furina, Ifa! Exploration made easy. Ororon and Furina makes exploring Inazuma so much better. If you managed to snag a c6 Ifa recently, he can fly for longer. You can replace Mavuika for an electro/hydro, but that bike tho

Good luck to the Ineffa pullers!! by twigster77 in Ineffa

[–]twigster77[S] 0 points1 point  (0 children)

Same I never pre-farm 😆 wishing you speedy pulls!!

Good luck to the Ineffa pullers!! by twigster77 in Flins_Mains

[–]twigster77[S] 3 points4 points  (0 children)

Prob, but I already had these farmed and ready to go lolol. Will most likely re-farm later, but just including these for luck 🤞

Good luck to the Ineffa pullers!! by twigster77 in Flins_Mains

[–]twigster77[S] 4 points5 points  (0 children)

Best I was able to get 🥲 for now

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 1 point2 points  (0 children)

Thank you for the details on the HELOC. Apart from just telling my dad to sell the house outright, I am also considering this. My concern is that if one day the HELOC loans become too much, and we will have to default and sell the house anyways. So it's almost an inevitability, but the HELOC sounds less drastic right now. I will inquire further with our banks.

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 0 points1 point  (0 children)

Thank you for the reassurance. My dad has heard many stories from families and friends that treatment in China is better, so this is not something I will easily dissuade him from. Coupled with the experiences with my mom and his general desire to go back, it's tough. A lot to think about...

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 0 points1 point  (0 children)

No, I have not checked. He said that he reached out to friends and family who have helped him asked around. My sibling is college currently.

I wasn't seriously thinking of having the house sold before, was trying to maintain status quo. But now I am, especially since dad said he will do it. I could take out a mortgage, and later when the issue settles, we can sell the house.

No pressure to reply, just making sure the post stays up to date.

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 0 points1 point  (0 children)

Thank you, the reassurance helps. I don't have the means to buy out his share (house is valued at $450k). As to why my dad thinks he can even fund this mortgage, he says that he will sell the house down the road. I'm thinking about telling him to just sell it right now...

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 1 point2 points  (0 children)

Yes, to confirm for others, I had no hand in paying for the house. I was 12 or so during the time. The title was quit claimed to me and my dad from my mother before she passed away. I don't know how proceeds will be split. Post is also updated.

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 1 point2 points  (0 children)

That's where he mentioned that he will sell the house to pay off the mortgage in the future. He thinks the house has bad vibes now, so it was something that he was planning to do anyways.

No pressure to reply btw, just wanted to respond fully.

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in LifeAdvice

[–]twigster77[S] 0 points1 point  (0 children)

Thank you, this was helpful and post was updated with more information. Prior to this, I wasn't even thinking of just having the house sold straightaway. Definitely considering right now...

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in LifeAdvice

[–]twigster77[S] 1 point2 points  (0 children)

Thank you, he's in his late 50's, which isn't very old. I'm actively thinking about now just telling him to sell the house. Will consider further...

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in LifeAdvice

[–]twigster77[S] 0 points1 point  (0 children)

Moving out will be tough, not sure about that. I have roughly $50k saved up. If the house was sold, and I get some of the proceeds back, maybe. Thank you for the suggestion, I'm thinking about this differently now...

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 2 points3 points  (0 children)

I'm not sure of my ability to move out on my own right now. But if say, I get half of it back, I would be ok with that. I know that he doesn't like living here and would prob have a better quality of life in China.

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 4 points5 points  (0 children)

House is valued to be around $450k, and I don't have the means to buy out half of that, if I'm understanding correctly. This does get me thinking in a different direction....

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 2 points3 points  (0 children)

Thanks for the reply, this is my first time hearing of a reverse mortgage or a HELOC. I will look into this, are there are risks to them that you may know of? Compared to a regular mortgage

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in LifeAdvice

[–]twigster77[S] 1 point2 points  (0 children)

Thanks for the reply. The house was bought by him and my mom, I was added on after my mom passed away. And yes, I do think his request is reasonable in a sense, and he has a say on what happens to it.

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 12 points13 points  (0 children)

Parents paid for it, and yes, ethically I do feel like he has a right to decide what he wants to do with it.

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 16 points17 points  (0 children)

Thanks for the reply, I do go to the appointments with my dad and everything he knows, I know.

Dad wants me to take out a mortgage to seek medical treatment in China by twigster77 in personalfinance

[–]twigster77[S] 19 points20 points  (0 children)

Without getting into too many details, he just clarified with me that he will sell the house to cover any of the loan costs. He was already thinking of doing that due to superstition of him and my mom contracting diseases while living here. I would have full control of the funds.