Random Fail FWP Thread: You're here because you're sick of reading about Halo Top in the Win thread

[Byrthnoth]

They tried messing with the dose and eventually switched him off of it onto something else. I wasn't in a position to pry into the solution but he bitched about it constantly while it was going on.

[dasva]

coworker bought in this nut mix. It's mostly cashews and pistachios. Heck some of the pistachios are even taken out of the shell. Problem 1 they still left the shells in the mix. Problem 2 it had some M&Ms in it which melted... which would be fine but they've managed to stick together and cover just about every shell and stuck to other stuff. So sometimes that M&M crunches a lot harder than other times. Somebody is clearly channeling their inner Jigsaw

[Ksandra]

Our escrow payment just went up $300 a month. ;_;

[Buffy]

Our escrow payment just went up $300 a month. ;_;

Man, do NOT stand for this:

Explanation for those who care:

Spoiler: show

As I'm sure you know, your escrow goes to cover your insurance and your taxes. In order for your escrow to go up $300 a month, your combined insurance/property taxes should have gone up $3600. This never happens. Well it does, but it takes 8-10 years, not 1.

Your bank is jacking your escrow up to cover a negligible increase in your insurance/taxes. They use this money, and the money of hundred of thousands other home owners and then collect interest off it, or loan it out to other people at a higher interest rate.

However, you don't HAVE to pay the bank escrow. You can call them and tell them you want to cancel the escrow and that you will pay your taxes and insurance yourself. The bank will not like this idea, because then they aren't getting that free money from you every month that they can play with.

This will result in either them lowering the escrow down to like 50-100$ a month increase or you paying the taxes and insurance yourself.

Like the mortgage itself, escrow is a racket. Be smart about it.

[Ksandra]

Man, do NOT stand for this:

Explanation for those who care:

Spoiler: show

As I'm sure you know, your escrow goes to cover your insurance and your taxes. In order for your escrow to go up $300 a month, your combined insurance/property taxes should have gone up $3600. This never happens. Well it does, but it takes 8-10 years, not 1.

Your bank is jacking your escrow up to cover a negligible increase in your insurance/taxes. They use this money, and the money of hundred of thousands other home owners and then collect interest off it, or loan it out to other people at a higher interest rate.

However, you don't HAVE to pay the bank escrow. You can call them and tell them you want to cancel the escrow and that you will pay your taxes and insurance yourself. The bank will not like this idea, because then they aren't getting that free money from you every month that they can play with.

This will result in either them lowering the escrow down to like 50-100$ a month increase or you paying the taxes and insurance yourself.

Like the mortgage itself, escrow is a racket. Be smart about it.

Thank you for that info. We were blown away when I found out. Do you think it's better to actually pay ourselves, or to just get them to lower it?

I honestly like the convenience of not having to remember since they only send one snail mail reminder (got screwed for the first payment not realizing this before escrow kicked in.)

[Kalmado]

First, check with your insurance company regarding what your current annual premium is versus the previous terms premium. It's not uncommon for an insurance company to have a 10-15% increase in rate which would be a legitimate cause for escrow to slightly increase. If the rate did massively increase and your house is in good shape then shop the insurance.

Next I would check taxes. As Buffster pointed out though, it's probably the mortgage company messing with your money. We have a FHA mortgage so we have to escrow, but in the four years we've had this mortgage I've never seen a change in payment more or less than $20 a month.

[Buffy]

Thank you for that info. We were blown away when I found out. Do you think it's better to actually pay ourselves, or to just get them to lower it?

I honestly like the convenience of not having to remember since they only send one snail mail reminder (got screwed for the first payment not realizing this before escrow kicked in.)

If they aren't massively overcharging you, have them do it. If they are trying to screw you, do it yourself.

FYI your escrow payment should be:

Insurance (1 year) + Taxes (1 year) = escrow payment x12.

or pretty close

[Melena]

Someone physically broke off the latch and release to pull out the black toner cartridge in our main work area.

And I brain farted and they had the wrong door open. So a clip was broken, but I have no clue what it was for outside of maybe helping to secure the waste toner box. Still though people are infuriating today.

[Kalmado]

Still though people are infuriating today.

I feel you. Do something nice for yourself after work.

[dasva]

Playing words with friends and it's rather annoying the things it will and wont accept sometimes. Like the other day forget the exact word but it accepted it and even provided the right definition... but wouldn't except any of it's conjugations. Like da fuq? Another time it wouldn't accept the pluralization of a word.

Today my opponent played Bae...

[BaneTheBrawler]

XI section doesnt have a random complaint thread, so imma post it here:

i quit during WotG, like most people, because the missions were too far apart to hold interest. i forgot that the mission design is also FUCKING ANNOYING AS FUCK.


i'm on a fucking escort-quest BCNM where, when the NPC aggros a new group of enemies, she decides she's going to fucking run in circles. if y'all remember how combat works in XI, that means the only way to pull them off her is with magic or ranged attacks, which is fucking tedious and slow and she aggrod so many they killed her before i could claim them all. so now i gotta go get some bullshit key item again, then come all the way back here. fucking rage inducing.


edit: oh, and you have to wait an in-game day (1hour-ish) to get the new key item. FUCKING WHY.

[arus2001]

For a scholar, she's not very smart, amirite?

[BaneTheBrawler]

she's pretty goddamn stupid for a creature that survived more than 3 months, let alone a scholar.


there are few things that inspire my rage as thoroughly as a fucking shitbrained simian twatwaffle who kites their own support. always has, always will.

[dasva]

Didn't it used to be real day wait too?

[Byrthnoth]

I am pretty sure it did.

[BaneTheBrawler]

would not surprise me in the least.

[Kalmado]

When I started fresh earlier this year I was having fun until I needed to do WoTG. Started the missions and lost interest real quick to the point I unsubbed.

[Zetanio]

That game sucks now.

[Spicyryan]

That game sucks now.

It has always sucked.

Sent from my ONEPLUS A3000 using Tapatalk

[Ksandra]

lol we came back to the game, too. About three months ago. We're also working through WoTG. It's so long. >.< I like looking at the story, though, that's why I came back. I wanted to finally *beat* the game. But I never finished a lot of the stories (WoTG, Aht Urgan, etc.).