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People will feel the economic impact like a freight train here pretty soon, and hopefully that pisses off the idiot cult enough to make them turn on the republican party. They might not ever turn on trump, but I think his base will turn on the party quick once they start to really struggle. Then maybe we can rebuild some of this madness, invest in science and education, and have a reasonably well educated populas; and then maybe fascism will die.

Most likely wishful thinking. I’ve lived long enough to see my political efforts fall completely flat or get reversed outright. The people who share my viewpoints either can’t be bothered, for some fucking crazy reason, or insist to “play by the rules”. Fuck the rules, they don’t play by the rules. It’s time to get a fucking spine and fight back, but we’ve been given too much bread and too many circuses, so much that at least half of us would rather collapse society than share or take less.

We are vain, narcissistic, horrible little parasites that feel entitled to impose our will how we see fit. Yes, at the moment I mean this strongly about Myself and fellow Americans, but this disaster is far from unique to us. Countless species extinct, counteless lives taken, countless pain inflicted. Human beings are the apex invasive species, and there is no one at all to put us into check. It’s hard to feel like any of this is undeserved, and it’s foolish to think we deserve anything at all.

I generally try to be positive, and you can save your fingers from debating with me. I just don’t care anymore. We could kill ourselves tomorrow and I would only feel relief for the life that will thrive without us fucking it all up. Fuck every last one of us.

IF YOU’RE A GOOSE, IM A GOOSE.

The Ballad of Buster Scruggs; Coen Brothers comedy western anthology. Couldn’t reccomend it enough.

“Yeah… not my job”

Rule of thumb when you’re trying to get approved for a loan is to disclose only what is asked for (income, debts, etc) the more you say and provide, the higher the risk is of having to do unnecessary legwork.

There’s a common understanding between loan processors that is essentially "if it’s not a detriment to the loan quality, necessary information like an additional owned rental propsrth, or an underwriting condition, the Underwriter doesn’t need to know. This is because the Underwriter is meant to scrutinize every detail of a loan. So something completely useless and innocuous could lead to a delay.

Unless you’re getting a cash-out refinance, financial institutions really don’t care what you spend your money on. The bank rep especially isn’t being paid enough to care.

If you think your home has increased in value enough to lower the LTV to 80% you can typically ask them to do a “drive-by” valuation to confirm.

Talk to your local government about any upcoming mortgage grants. Every community I have worked in has some grant that comes out during specific times each year. Usually just a few grand to cover closing costs, but I’ve seen some that cover 20% with a 4 year commitment to not sell the house.

There are also loan programs specifically meant for lower incomes; FHA typically has a higher debt-to-income threshold than conventional loans. Now, I still can’t afford a house even with that, but I have qualified many people who otherwise would not have made it past the Loan Officer.

I’ll state up front that I have been processing residential loans for about 12 years now.

Typically, you’d get PMI from a third party like Arch, Essent, MGIC, etc. They tend to be pretty strict about not removing PMI until the loan has been paid down to 80% LTV. A lot of institutions like to use them because they have a high underwriting standard (which reduces the risk of regulatory violations and discrimination.)

What you’re describing would not be the norm; my best guess is your financial institution is handling MI itself and is able to deviate from standard practice. In some cases, we will send out an appraiser to do a “drive-by” valuation on loans nearing 80% LTV, so it’s possible they confirmed your loan to value has decreased without telling you that exactly. I could even see them sending these if they confirm the county valuation of your property is high enough to be confosent about your estimated LTV.

Lol, to be fair I have a significant anxiety disorder and am prone to panic attacks.

Thanks for the context, from an American who tries not to read the news because my doctor reccomended that as an alternative to suicide. This whole place is fucked.

“Don’t rightly care if they do.”

“Okay, look, I understand this may be presenting as if I am in a manic episode, I get it. And I get that I have pulled every item from the storage room and am now in the process of reorganizing the entire basement. And yes, it is 3 A.M., but I really don’t see how that is relevant. Honestly, have you considered that I am going to need a lot more space to keep all the wood I just found on the side of the road? I swear, it’s like you don’t support my much-loved woodworking hobby I started 6 hours ago.”

"Oooh, you know what? I’m going to give in and just build an extension to the garage for a new workshop. No, I don’t know how to build anything, but I have resources and it can’t be that difficult. It’ll be done in three days, I really feel like you underestimate just how motivated of a person I am. "

Two weeks later, I’m hyper-ventilating in the fetal position on the floor of my closet when the city cops come out to say something has to be done with the rotting shit-wood awkwardly slapped together and nailed to the side of the garage.

Hey my friend, fellow depressive here. It’s not addiction, it’s a massive struggle. This is a vital time, the only way out is to face your circumstance.

Man, I am so sorry this is your situation. I won’t pretend to really know what advice to give you, other than you should contact adult protective services and see if they can do anything since you are a vulnerable person (aka disabled).

Again, I don’t know shit from fuck, but that’s where I would start. Idk if the cops would take the threat seriously or not, but you might be able to file a restraining order.

Idk, I was assured that pigs had a chinny-chin-chin.

Uh…what