Random Fail FWP Thread 2: Something, Something, Your Mother's a Whore.

[Tomiko]

On the topic of eBay, I won an item there and watched the tracking show it make it to the regional center in Seattle (about an hourish from me). Next time I checked it was in Alaska and hasn't updated since. I submitted an inquiry with USPS, but wtf at the detour.

[Ksandra]

Me: Teaching teachers a new feature to track what students are doing on the computer.
Me: “So when a student is afk—.”
Boss: “What’s ‘afk’?”
Me: “Oh sorry, it means away from keyboard.”
Boss: “What?”
Me: Has to consciously say “when a student is not present” for the next half hour.

[Melena]

So in more adventures of my mother, I called the life insurance company today to follow up on my claim for my dad's death. Because the cunt bag of a mother I have initially decided to contest the claim because she thought she was irrevocable, it's now on hold until she sends in a letter revoking her contesting of the policy. I already have her on voicemail saying she wasn't going to contest it anymore so I'm hoping that may be enough, but to say I'm furious is an understatement. Was hoping to have that check by Thanksgiving, and now it's looking like early december now. All because my idiot brother told her about it.

[Myrrh_Quetz]

So in more adventures of my mother, I called the life insurance company today to follow up on my claim for my dad's death. Because the cunt bag of a mother I have initially decided to contest the claim because she thought she was irrevocable, it's now on hold until she sends in a letter revoking her contesting of the policy. I already have her on voicemail saying she wasn't going to contest it anymore so I'm hoping that may be enough, but to say I'm furious is an understatement. Was hoping to have that check by Thanksgiving, and now it's looking like early december now. All because my idiot brother told her about it.

Christ, our we related? Are our mothers sisters? Like, god damn. Also. My brother would have done something similar just to be a dick.

On some more into this loan thing.

It turns out my mom took out a 50,000 dollar car loan without my knowledge but using all my information. It’s a 8 year loan that she pays 563 dollars a month. She took this out 4 years ago and I didn’t notice because I think she purposefully waited til the wife and I were in the middle of buying our house.

I spoke with a person at the loan agency. I was told that I owed 24,000 IMMEDIATELY or else. Then I was told actually it’s all paid up and everything is fine. Then I was told she was several months behind on payments. Then I was retold that actually, it’s all fine.

I had a bit of a mental break down a few days ago because of this and some other shit.

[Seraph]

I spoke with a person at the loan agency. I was told that I owed 24,000 IMMEDIATELY or else. Then I was told actually it’s all paid up and everything is fine. Then I was told she was several months behind on payments. Then I was retold that actually, it’s all fine.

You don't owe anything, but they will continue harassing you about it without a police report. If you pay them _anything_ it will legally now be your loan.

[Myrrh_Quetz]

You don't owe anything, but they will continue harassing you about it without a police report. If you pay them _anything_ it will legally now be your loan.

I spoke with the loan company again. Told them situation in full. They apologized to me and told me they will be going after my mom and I’ll never be contacted again. And even if that didn’t happen, I wouldn’t have so much paid a fart towards that bullshit.

[Bardicrune]

I spoke with the loan company again. Told them situation in full. They apologized to me and told me they will be going after my mom and I’ll never be contacted again. And even if that didn’t happen, I wouldn’t have so much paid a fart towards that bullshit.

Here are the steps you should take to protect yourself due to an incidence of identity theft. https://www.identitytheft.gov/know-your-rights

[zoobernut]

Looking for a new place to live right now for my family. Due to COVID we don't have enough income to qualify for a mortgage to buy a house even though we could afford the monthly payment but we don't make enough money to afford rent anywhere near where our jobs are.

Mortgage payments would be approximately $2,000-$2,500/mo and rent is approximately $4,000/mo. Where we live now our rent is very low because of a special deal we had but that looks like it is going away.

[BaneTheBrawler]

can you work Remote? might be easier to get a mortgage for properties that aren't so horrifically inflated.

[zoobernut]

can you work Remote? might be easier to get a mortgage for properties that aren't so horrifically inflated.

My dad is in his late 80's and I didn't want to move too far away from him. We were looking in an area centrally located where I could still go see him and we were close to decent work. I can work from home 90% of the time but I need to live within reasonable driving distance to my work so I can go in occasionally to do stuff (I am in IT). Also this is complicated by the fact that my wife went on maternity leave a year ago then COVID hit right as she was returning to work and she had to go on unemployment because of no childcare. So she hasn't shown any income in about a year.

We thought about leaving California to go somewhere random where everything was super cheap but hesitate to do that.

For what its worth mortgages aren't terribly inflated they are quite reasonable. Showing proper income to qualify for the mortgage is going to be tough because of the maternity leave. Rent is horribly inflated right now.

Edit: We were looking for a place in the Santa Cruz mountains so that my wife could look for work in either Santa Cruz or the Bay Area and it would be close enough that I could keep my current job. Rent is ridiculous. If we could just figure out a way to qualify for a mortgage we could buy a house and afford it and the payment on that would be way less than rent.

[BaneTheBrawler]

inflation, in this context, isn't a measure of fairness, it's just a measure of cost of living. the $2500/mo mortgage you're talking about, for example, would get you a small mansion in Rochester, MN. the money you have from living in a high-cost-of-living area will stretch waaaaaaaay further in other areas, especially if you're able to avoid a pay cut by working remote. so since the money you already have goes so much further, you're more likely to be approved for a loan even with your lower income. bigger relative down payment = less risk = better approval chances.

but it sounds like you have other reasons to stay in the city/surrounding areas so yeah that sucks.

[zoobernut]

inflation, in this context, isn't a measure of fairness, it's just a measure of cost of living. the $2500/mo mortgage you're talking about, for example, would get you a small mansion in Rochester, MN. the money you have from living in a high-cost-of-living area will stretch waaaaaaaay further in other areas, especially if you're able to avoid a pay cut by working remote. so since the money you already have goes so much further, you're more likely to be approved for a loan even with your lower income. bigger relative down payment = less risk = better approval chances.

but it sounds like you have other reasons to stay in the city/surrounding areas so yeah that sucks.

Yep I totally understand the mechanics of it. It just sucks. So far I haven't found a way around it. We have enough for a down payment but *just* enough so we can't compensate for the lower income with a higher down payment. But I also don't want to pay twice as much per month than a mortgage to rent a place it just feels like such a waste.

Edit: If we were open to moving to the midwest somewhere we could both get very high paying jobs and own a small mansion as you said. We looked into it briefly. My wife's biggest hangup is the weather. She likes basically having tolerable weather year round. It is never too hot or too cold to go outside.

We lived in the snow and she didn't care for that.

Not sure where else fits for her in that regard. Possibly somewhere in Oregon?

[Ksandra]

Zoob, have you tried talking to a mortgage broker by chance? They are free to you (they get paid by the mortgage company if you end up getting a loan.


It might be worth a shot to see if there are any options.


Sorry for your situation.

[zoobernut]

Zoob, have you tried talking to a mortgage broker by chance? They are free to you (they get paid by the mortgage company if you end up getting a loan.


It might be worth a shot to see if there are any options.


Sorry for your situation.

Thanks. It is tough. Stuck between a rock and a hard place right now.

That is the next step in this process. Going to talk to a mortgage broker tomorrow hopefully and see if they have any ideas for me. Right now the best idea I have is to get my wife working again and rent a house at a high price for 6 months just enough to make the mortgage company happy so we can qualify for a loan. Only issue there is childcare is ridiculously expensive for a 4yo and 1yo and not readily available in the COVID age.

[Melena]

Santa Cruz Mountains have just exploded in rent. The other issue is I swear to god every trucking company sends their rookies to deliver up Highway 17. The amount of stalled big rigs on that 2 lane each direction highway was insane, and all it takes is one and your commute time triples.

Depending on what direction you're going, have you looked into either Stanislaus or Merced counties? They are NE/SE of Santa Cruz County, so not sure how much that would impact any sort of commute travel. Astylla and I are looking into the Western end of San Joaquin county just due to costs, even though it will mean an increase in commute times (more so me than her at least right now based on where she's stationed at.

[zoobernut]

Santa Cruz Mountains have just exploded in rent. The other issue is I swear to god every trucking company sends their rookies to deliver up Highway 17. The amount of stalled big rigs on that 2 lane each direction highway was insane, and all it takes is one and your commute time triples.

Depending on what direction you're going, have you looked into either Stanislaus or Merced counties? They are NE/SE of Santa Cruz County, so not sure how much that would impact any sort of commute travel. Astylla and I are looking into the Western end of San Joaquin county just due to costs, even though it will mean an increase in commute times (more so me than her at least right now based on where she's stationed at.

That is a good idea thanks for the tip. Here is a funny story. ~12 or 13 years ago we lived in Pleasanton and our rent was $2k/mo and she made about $55k/year. My wife just got a follow up from a recruiter about a job very similar to the one she used to do. Working medical research in a large lab. The catch is the job only pays $19/hr. How do they think that is ok for a highly skilled position in an area where rent has doubled or more in the last 10 years?

We were also looking over in the Boulder Creek area too which would allow us to skip the highway 17 mess.

[Melena]

Yeah, the whole Dublin/Pleasanton area is insane. Depending on how new the apartment complex is, you're looking at 2700-3500 for an apartment there. Most people there are commuting into San Francisco though for work, unless they are lucky enough to have a high end paying job locally to support it. When we moved out of Dublin in 2012 our apartment, which while nice was run by the worst management company ever and was a huge crime zone was about 2100 a month.

[Ksandra]

God fuck no.

One of my pervious students, and advisee (we get them for four years), was shot and killed last night.

Fuck this world sometimes. God fuck it.

[zoobernut]

God fuck no.

One of my pervious students, and advisee (we get them for four years), was shot and killed last night.

Fuck this world sometimes. God fuck it.

Damn that is so horrible. I am sorry to hear that. Fuck.

[BaneTheBrawler]

i'm sorry ksan