House mortgage hink pink

The Story Of Baby, Crybaby's Long Lost Twin

2024.05.14 08:38 Anonymous_positivity The Story Of Baby, Crybaby's Long Lost Twin

The Story Of Baby, Crybaby's Long Lost Twin
(Fan made, alternate storyline)
Guys I created my own alternative storyline because simply can't accept that this is technically the end of Crybabys story and I'm going to ball my eyes out at the end of the trilogy tour so here's my storyline.
Crybaby & Baby are identical twins that were born on August 14th in Lennox House for the Mentally Insane Institute and into a fairly loveless household with an alcoholic mother, stoner brother and unfaithful father. Both of their names came from their brother altering their birth certificates as a cruel joke to give them names he felt fit their personalities. Crybaby was seen as the emotional, vulnerable, dramatic, and sensitive twin regarded as the good twin while Baby is seen as the chaotic, mean, sneaky, and vindictive twin regarded as the bad twin. Baby seen the family dysfunction for what it was and encouraged Crybaby to run away with her to a far away place in which she referred to as Dreamland from the toxicity so they could be happy together, but Crybaby was too naive and doe eyed to realize the severity of their house situation. Because of this, brother, mom and dad have held resentment against Baby because she wont keep her mouth closed about the problems in their family. From a young age they've always been inseparable and are almost always attached to the hip. To distinguish them, Crybaby dyed one side of her head pink and Baby dyed one side of her head blonde. Crybaby also curls her hair while Baby's stays straight. The twins natural hair color is very dark brown (almost jet black) Before the age of 5, the twins were so close and so intelligent they managed to create their own language barrier to communicate to each other which is sacred between them and others can't interpret. Because of their unhealthily codependence to one another and eccentric behavior, their brother viewed them as weird freaks who were better off set up for adoption or auctioned to be kept in mental hospitals and freak shows. Unfortunately being born into a dysfunctional family the twins rarely were given healthy attention and love and this caused many maladaptive behaviors such as isolation from outside contact, Stubborness, aggression, impulsivity, and impaired social relationships. This behavior was apparent to school kids who teased Baby and Crybaby (especially crybaby) for their trauma caused behaviors, teachers, peers, neighbors and their own family called them the Bipolar Twins for their hot and cold dynamic. However due to their contrasting personalities and temperaments Baby would find herself in constant comparison and competition with Crybaby which was fueled and started by their brother who planned to split them apart. (via, adoption) as their parents had enough of "Baby's" bad behavior they ended up giving her to Belham Orphanage an orphanage for the exceptionally "gifted" where she would never see Crybaby or her family ever again. Brother framed Baby for the things he did around the house (breaking dishes, lying, stealing candy, and initiating fights) and because the parents were so disorganized and chaotic they did not pay close attention to who was actually responsible for the bad behavior. Baby was the scapegoat to the family's dysfunction because she saw through it all. As Crybaby grows older she becomes more aware and more suspicious about her family and starts to discover that there is "another" other than her and Brother. Despite her questions her family especially Mom and Brother continue to gaslight her and remind her that it's all just a figment of her "imagination" and she needs to " "relax" with this Mom and Brother continue to drug Crybaby with Librium until any memory of Baby is completely erased and wiped clean out her mind. (Crybaby is around 7-8 at the time)
While Baby is in the orphanage she spiraled becoming depressed, cynical, and detached from those around her and refuses to even go outside. Mom, Dad and Brother dont visit her at all although Mom promised to take her home when she is "well" She often fantasizes and dreams about seeing Crybaby and running away together to "Dreamland" as months and years go on Baby slowly descends into madness and loses herself in the process.
Baby starts to reminisce hallucinate and dissociate regularly and have done for a long time. She dissociated in separate, regular episodes. Between these episodes she doesn't notice changes. She creates a different persona and goes under the alias "Bad Baby" in which she wears a porcelain doll-like mask and ritually dances in sync with her emotions. Baby accepts her insanity and fully embraces it as she sees no way out the orphanage.
Additional info - Baby is the older twin by a minute and 5 seconds making Crybaby younger
  • Baby's hair is commonly black and blonde while Crybaby's is black and baby pink
  • Crybaby is more bubbly and extroverted than Baby
  • Baby is the more aggressive mischievous twin
  • Crybabys pet is Felipe a black and brown tarantula, Baby's pet is Lunar a black bombay cat
  • Crybaby smiles more than Baby
  • when the twins were born Crybaby was named Crybaby because Mom complained about her crying/whining and Brother named her Crybaby while Baby came out silent and scared the nurses, they thought she was dead she wasn't, she simply was silent and was named Baby.
Feel free to ask me questions about it, and give me feedback on the plot, the twin dynamic and "Baby" as a character.
submitted by Anonymous_positivity to MelanieMartinez [link] [comments]


2024.05.14 08:34 3ku1 Mother Simpson

Where are everyone views on the character. She kinda abandoned Homer. But I guess she had a good reason. Abe gets a lot of heat. But he never abandoned Homer. Raised him. And even paid for Homers mortgage for his first house. Legend
submitted by 3ku1 to TheSimpsons [link] [comments]


2024.05.14 08:29 Final_Lunch_69 Khloe Kardashian Brings Kids to Watch Tristan Thompson Play Basketball

Khloe Kardashian just celebrated a milestone occasion with her kids!
The 39-year-old reality star brought her six-year-old daughter True and 21-month-old son Tatum to watch their dad Tristan Thompson play basketball in an NBA game for the first time.
Khloe was with the kids at Rocket Mortgage Fieldhouse on Monday night (May 13) in Cleveland, Ohio.
The family cheered on Tristan as his team, the Cleveland Cavaliers, played against the Boston Celics in Game 4 of the Eastern Conference semifinals. The Cavs lost to the Celtics.
While True was dressed in a pink t-shirt, Tatum wore a Cavs shirt with his dad's number on the back. Kim Kardashian's son Saint West was also there!
submitted by Final_Lunch_69 to CelebritySpotlight [link] [comments]


2024.05.14 08:26 Danielnrg Why are Zestimates in Texas higher than other places?

I've noticed that mortgage Zestimates in Texas are almost always higher than same or similar-priced houses in other states.
I'll provide an example: in Gilbert, AZ, 5651 S Fawn Ave is listed for $975k, the Zestimate is $5,926 per month.
In McKinney, TX, 6409 Wildwood Dr is listed for the exact same price, but the Zestimate is $6,771.
I know property taxes are higher in TX than pretty much anywhere else, but the description for Zestimate doesn't say anything about taxes. It's all just mortgage rates, credit, down payment, etc. Why would any of those be different just because the house is in Texas specifically?
Across 20+ states that I've done housing research on, the Zestimates are fairly consistent. Texas is the sole outlier. Always $500-$1,000 higher than other states.
submitted by Danielnrg to Zillow [link] [comments]


2024.05.14 08:14 Excellent_Ad2770 Reporting Live 5/14

In the 15 minutes I watched below is a summary: 1. VSwiss has at least 20 girlfriends, is being battled by her boyfriend (not for money, it's about being a man) and she will not snipe for her bf as she does not do revenge throws, she will NOT give Swiss a battle and she believs he has no money and is BROKE! 2. Tonight she named another unicorn, this one was named after Nelson, so now she has unicorns named after: Faith (gone fiahin'), Dixie, Leggz & Nelson and apparently they are buying the unicorns a house 3. She named her supposed stalker tonight and said she did not care if she got banned for saying her name. 4. She is encouraging people in her chat to go live and begin their battle career at reset (apparently she is unaware of changes to the battles) etc. 5. The person whom she will use her coins to throw for as of now is Jack. 6. She thinks boyfriend is going to be a good addition to the daily as she needs more battle partners and the daily needs more blue collars.& She has asked him to not go back to work and stay home & stream with her full time 7. She is going to do something nice for her mom as her mom did nothing to deserve the harassment etc. that she has received bc of people on TT 8. She is no longer answering questions about her dog for safety reasons, but says is safe and in a good place. 9. She says battle teams should not be battling every day, they should take days off and let others win. She is still comited to turning podium pink and when she is not battling she will tell the females to hold all throws 10. She stated that people in ranks are mad bc she is not throwing for them and everyone is watching female Nation to see what they are going to do... In my opinion tonight she seemed a bit tired, at times fighting off tears & sluggish as well as hyper focused on the one person she is accusing of stalking **i am super glad that said stalker is not engaging so this will eventually die down*"
submitted by Excellent_Ad2770 to abbylaurenfemalehater [link] [comments]


2024.05.14 08:03 yimmy51 B.C.’s strict new short-term rental rules pit housing supply against homeowners struggling to pay mortgages

B.C.’s strict new short-term rental rules pit housing supply against homeowners struggling to pay mortgages submitted by yimmy51 to CanadianIdiots [link] [comments]


2024.05.14 08:02 PossiblyIntrigued I am buying a home and my boyfriend is afraid of helping me pay my mortgage.

I (29F) am buying a home by the end of the year. My boyfriend (25M) is not going to have his name on it, as we are not married and have been together for almost two years. I want this to be mine. My boyfriend made a comment stating he is only willing to pay “up to 30% of the monthly payment” when living in my home because “it doesn’t seem fair to help you pay down 50% of a mortgage with no ownership of the house.”
The home I’m working on buying right now has an estimated monthly payment of $1400 with the down payment I’m putting on it.
I’m absolutely disgusted. This is the man I wanted to spend my life with but this has completely made me rethink that. I told him if it is that important to him on not “helping me pay half my mortgage” while living in my home, then he can pay way more in rent to a stranger to help them pay theirs.
Am I being unfair? What is the fair solution?
TLDR: boyfriend doesn’t want to pay half monthly mortgage in rent ($700) while living with me because he doesn’t have equity in the home I’m buying. Wants to pay $210-$450/month.
submitted by PossiblyIntrigued to relationships [link] [comments]


2024.05.14 07:41 k_kkaleb AITAH for telling my friend I won’t put my name on their mortgage

AM I TAH?
So for starters my best friend from kindergarten is mad at me. 19 years of friendship.
They recently started “ghosting me” (ignoring my messages/phone calls) this isn’t nothing out of the usual as she does have a mental disorder (BPD) we call it their “going rouge” episodes so I didn’t think much of it. They usually snap out of it within a month or so. Well it was well over 6 months and they’ve been active on fb, snap, and everything else. Ignoring my meme tags. That’s never been like them before. So I messaged and asked if they were seriously ok, and if I did something to make them mad… well I got a long message…
They said there was 2 main reasons why they weren’t talking to me anymore.
They said I was “acting better” than them bc I told them my car was 30,000 dollars more than theirs… just wait here me out.. they got a car that was a fraction of the cost of mine (nothing wrong with that at all) but they were crying to me on the phone when it had broke down and said they thought maybe it was a bad decision. I tried to reassure them that just because it may break down it’s cheaper to fix than buying a new one. As they claim they don’t want a huge car payment.
A brief explanation my car was 30,000 and it has had almost 9,000 dollars of warranty work done. (Thank god for extended warranties) My car has been in the shop more than I had it.
As they was crying to me overthinking their decision I tried to reassure them that hey, all cars break down. “My car was 30,000 and broke down so many times at least you will have way less than that put into your car after you get it fixed. (Their car needed a new head gasket). They claim I was trying to make it seem like mine was more expensive than theirs
I’m not saying this to be mean at all because I truly have tried to work with them with their diagnosis. But All our lives they’ve always made everything a competition. They’ve lived with a narcissist and their parent was diagnosed with it.
Their second reason to “ghost me” was recently they and their partner were looking at buying a house. The house next to me became up for sale. We both thought it would be a perfect idea. (Not knowing the price) They wanted me to ask the realtor how much they wanted for it. Come to find out it’s over quarter of a million dollar house. With 40+ acres. They advised me both of their credit aren’t the greatest and asked if I could put my name on the loan with them as my credit is almost near perfect and If I could help them with a down payment. (They know I have a good chunck saved up for when I buy a home)
I told them I was not comfortable doing it as I don’t even have my own home yet, and when I do go to buy my home it will show I already own a home. (Their home) I advised them that getting a mortgage is harder than just going to a bank and getting approved for an absurd amount as the average houses in our area go for 60-90k (we live in a very small run down town) they are both just starting out, no kids and this house is a 4 bedroom 3 bath house. I told them I don’t know if the bank would even qualify all 3 of us combined.
I make 40,000 a year. 14 an hour. I work OVERTIME. Almost 70 hours a week. 66 hours regularly. More if I get called in on call.. I am single and asexual (a little tmi but it matters here) I do not plan on having a partner in the future. So I will be a one income person. So I need to save up as much as I can now so I will be able to afford my mortgage with a good down payment when time comes. Their significant other makes 15+ and they make 14+ an hour. More than double what I make, they both live with their parents with hardly any bills… (some but not to the point they shouldn’t be able to save) I have bills, car payment, drive a lot for work I spend a lot in gas and pay rent. Neither of them have major bills.
They’re seriously mad at me for telling them I can’t risk not being able to afford to live comfortably. I can’t take that risk. We grew up and still live in the 5th poorest county in our state. We all got lucky to get good jobs as most around here are minimum wage jobs. I seriously do not want to grow up in poverty like we did growing up. It may sound silly but my goal in life is to own my own home and be somewhat financially stable and not have to live off the government to survive as all 3 of us had to do growing up. That is my ONLY goal in life.
In my closing statement I really love them to death. We literally grew up together. Our families are so bonded we are all a family. It hurts me they are not talking to me because “I made my self look better than them” and “I made it seem like they won’t go anywhere in life” I’ve NEVER thought that at all in my life. I AM their biggest supporter. We see our selves siblings. I’m hoping this is just something we can get over.
So am I the asshole for trying to comfort them letting them know even if they fix their car it’s still the best route as all cars can have major break downs like mine, and for telling them no for putting my name on a mortgage that wouldn’t even be my home?
submitted by k_kkaleb to AITAH [link] [comments]


2024.05.14 07:37 arjungmenon Insulating from potential negative equity by purchasing a home through a corporate entity

I'm hoping for a correction in the housing market (which, I'm aware, possibly might never come). But the fact is that housing prices in the GTA and GVA are 10 to 20 times the median personal income in Canada. We could easily have a correction if YIMBYism became a thing, and regulatory barriers and extremely inflated artificially added costs were lifted. I'm honestly hoping for that. (That, at a minimum entials millions of new permits for new construction being issued, and development charges being cut down to what those costs actually are–and not just a deceptive source of unrelated tax revenue).
That being said, buying a home in a major city in Canada is financially quite dangerous if a housing price correction ever happens. One would end up with negative equity in this situation. Is there a way to protect myself financially in this situation? I am aware that in the U.S., during the 2008 financial crisis, many people with negative home equity declared what's called "strategic bankruptcy". But declaring bankruptcy comes with downsides like being forced to liquidate all your other assets and savings, on top of your credit score being severely damaged for the next 10 years.
Therefore, I was wondering (and this might be a noob question): what if you set up a corporation, and buy a house through the corporation? Do banks lend to corporations? In particular, are banks comfortable with giving a home mortgage to a what is essentially single-owner corporation? And, then, if home prices were to drop significantly, could I simply have the corporation declare bankruptcy and dissolve/liquidate the corporation–but in the meantime, protect my personals assets from seizure or divestment during bankruptcy proceeding? Would a court in charge of bankruptcy "pierce the corporate veil" and attempt to seize personal savings or assets of such a corporation's single owner?
submitted by arjungmenon to PersonalFinanceCanada [link] [comments]


2024.05.14 07:36 randomdude4356 Why am I so stressed about money?

My (35m) wife (35f) and I make more than I ever could have imagined (250k HHI, double what we were making just 4 years ago) yet it I can’t shake the feeling of being “poor” because her spending / never ending desire of big ticket “needs” is stressing me out.
This has been amplified after moving from our starter house in the city to our new build “forever” home in the suburbs. The house is beautiful and we have great neighbours with similar aged kids but it’s taking up too much time and money to maintain for my liking. More importantly it just feels like my wife will never feel content with our own home since she’s always comparing to the neighbours who a) all seem to be at least 5 years older than us b) moved in two years before we did so have a head start on things like interior decorating/landscaping and c) have just flat out spent more than we have and thus I’ll always feel this way despite being in A beautiful home and in the best financial shape of our life.
Off the top of my head, in the past 18 months we’ve have spent 8k on a fence, 3k on window treatments for two rooms, 5k on a mattresses, 4k on a second car, and 5k on lasik. All things that we “needed” but just seems like it’s never ending and leading to more expensive purchases. Now she wants deck and 100k backyard.
We’re saving a decent amount, albeit about 80% of total retirement savings have been in my accounts despite her income being 33% more than mine. I just hate this feeling of non-stop spending when we could be better securing our future. Ive been raising this to our therapist for years but my wife just can’t stop and/or doesn’t seem to care.
The stress led to a mental health breakdown recently in part due to my wife’s spending but also some personal reasons (stress from my job, my niece turned 14, which was the age I was when my dad died to obesity (caused by family, work, and financial stress), and my mom started chemotherapy and I was exposed to her awful financial picture, despite having a paid off house and decent pension).
It’s not all bad financially with my wife so it would be a disservice not to mention the following things that I consider myself lucky to have in a spouse. 1. She’s smart and makes good money 2. She never spends what we don’t have (goes into debt) 3. Her desire for more was the extrinsic motivation that led to increased incomes for both of us, but i thought the saving would continue after we had enough for the new house. Unfortunately, it’s just turned into lifestyle creep.
My main goal is living life to the fullest (heavy on experiences, less so on material possessions) and teaching my daughter a healthy and active lifestyle. Should I be this stressed with our financial picture? Am I just being paranoid? Maybe I need to stay off all these money forums? Or do I need to give my wife some sort of ultamatim about getting on the same page financially if she wants to stay together?
HHI: 250,000 Monthly Net: 11,000 (after taxes, health insurance, 401k, hsa, and dependent care fsa)
Major Expenses Mortgage: 4000 (640,000 remaining, pmt includes P&I, home insurance, and taxes) Daycare: 1300 Grocery/Gas: 600 Utilities: 400 Cleaner: 250 Cars: 0
Retirement Accounts: 152,000 (401k, 403, HSA) Cash: 20,000 Brokerage: 17,000 Monthly Retirement Savings: 3,333 Monthly Sinking Fund Savings: 800
submitted by randomdude4356 to MiddleClassFinance [link] [comments]


2024.05.14 07:32 chestypullr My reason for selling 2.25% interest rate home. Thoughts?

I have house near the beach in South Florida that I just put on the market for 680k, I have 400k left on the mortgage. I bought the home a few years ago to AirBnB while I work overseas. So far it’s been hit and miss, and I have never fully covered the mortgage. I love the home and location, and wanted to keep it for when I eventually move back. But right now I’m in a situation where my housing is paid for. I want to sell the home and put the 200k plus profit into my taxable brokerage account. With the home sold I will be able to invest 12-14k a month in this account over the next 3-5 years. Hopefully when I eventually do go home, I can buy a home with an assumable mortgage, as I will have the capital to make a large down payment. What do you guys think? Does it make sense in my situation?
submitted by chestypullr to investing [link] [comments]


2024.05.14 07:18 AsidePale378 Need help understanding how property is split in MA?

Before marriage my husband and I both bought homes. Only the purchasers name is on the property and paperwork. My house was bought for $270k and his $370k. Both properties have doubled in value since we were married 7 years ago. The land is 2/3 of the value and the house is 1/3 of the values listed. We each pay our own mortgage with no help from each other. Our funds are kept separately.
We moved into my house and rented out his house after marriage . We used 80k to fix up an in-law apartment at my house. And there’s been a partial bathroom remodel and rot remediation done for 14k on his house.
Now that co mingled money was used does this open up both properties to be evaluated and divided? Would owe me money? If we agree as no fault can we choose how our property is divided?
If we separate and we move into our respected homes would I owe him money on the in-law apartment monthly ?
submitted by AsidePale378 to FamilyLaw [link] [comments]


2024.05.14 07:09 ihaveviolethair S6 E8 presidents suite

So when roland and jocelyn were wanting to stay in the presidential suite, they said its because they are renting out the extra bedroom to oay for the mortgage…
My question is they have 2 motels with i’m assuming lots of rooms. I understand that renting out a room at the motel longterms is more expensive than renting out a room in a house but…?? Isn’t it better to rent out a motel room longer than have some person at their house?
submitted by ihaveviolethair to SchittsCreek [link] [comments]


2024.05.14 07:07 ThrowRAdavaz My parents (61F & 63M) manipulated me into having them buy me a home. Now they say I’m (28M) a disgrace. How should I navigate this?

Hi relationship_advice,
Some key points before you read; I moved to Orlando, FL from Washington state in February of 2023. It was closer to family and I had a lot of friends here. I truly love it here. I’m convinced there is something mentally not-okay with my mother and we’ve had a hot/cold relationship for years. My dad divorced her and got re-married to her and these days just puts up with it. We used to have a significantly better relationship but this has frankly tarnished all of that and he just puts up with it. My parents are real-estate investors in the Orlando area and generally buy some of terrible homes in even worse areas and somehow find renters. They act like they’re mansions but they truly are terrible. I’m 28 years old.
When I initially moved here, I got my own apartment in a great suburb of Orlando. My parents helped me move and were really excited for me to get back on this coast. At some point during my residency, my parents brought up a notion to attempt to “help” me by buying me a house. My credit is shot and there is no way I qualify for a conventional mortgage. Maybe before the big short but certainly not in today’s housing climate. I didn’t actively reach out to them for this sort of assistance but I toyed with the idea.
Given the fact that they are real-estate investors, their interest rate was going to be somewhere in the realm of 7%. That left me with a max value of about a $400,000 house in order to be comfortable with the payment. Daily my mom would send me listings to some of the shittiest homes I’ve ever seen and get upset when I say I don’t like it. That would generally be when I would cut off the conversation after I’m told I’m “ungrateful”. Mind you they haven’t even done anything yet.
Months pass and I find a decent townhome in a location that I’ve always wanted to live in. It’s a townhome that has 2beds, 2baths and was about $380K. In an effort to make my parents happy and not be so “ungrateful” I agreed that they can put an offer on it. Mind you this house is one that I would likely never buy with my own money, but given the interest rate I sort of had to stick with it.
The agreement was that they would put down $100K for the house, I pay the full escrow (mortgage payment, PMI, taxes and HOA dues) and, when it comes time to sell, I would get every dollar above the selling price. It was an enticing deal to get some equity that I otherwise wouldn’t get living in an apartment complex. This was all something that was verbally discussed and I can’t find any physical copy of this being said either over text or another medium. I very well could not see a dime out of this and have no recourse in the eyes of the law as far as I know.
I broke my least and move in came in October of 2023 which also happened to be when I met my beautiful and loving girlfriend who I am extremely happy with. My parents came over in December for Christmas and I actually had my girlfriend stay in my house while my parents were in town so we can all do stuff together. I thought it went well. My parents met her family, my friends and we generally had a great time.
That apparently wasn’t their idea of the week and they are super upset that my girlfriend basically lives here. Text exchanges with my mother generally result in me being called a disgrace, ungrateful, disrespectful, etc.
At the end of the day this is all stemming from the fact that I got a girlfriend, they apparently don’t like her, are losing control of me and now we’re both suffering navigating business and family. It’s taking a huge toll on me to the point where I woke up today and cried after receiving another demeaning text from my mother. That same person they hate was there to comfort me.
How should I navigate this? Every time I try to talk about it it just turns into an attack where she says some terrible things about me and my partner. Is it healthier for me to just cut ties? I’m at a loss. Being worried about my living situation everyday is really taking a toll at this point and I don’t have it in me to start another argument. Almost daily now I get random texts at random hours of the day with her picking a fight. There is no clear path to a cordial conversation.
Your guidance is appreciated.
submitted by ThrowRAdavaz to relationship_advice [link] [comments]


2024.05.14 07:01 SharkEva My husband says our house will never be mine. How do I move past this?

I am not the OOP. The OOP is u/Old_Cranberry_2783 posting in elationship_advice
Concluded as per OOP
1 update - Medium
Original - 12th May 2024
Update - 13th May 2024

My (F25) husband (M30) says our house will never be mine. How do I move past this?

Me and my husband have been married for almost one year, and have been together for 7.
I work a job in media while he works as a therapist of sorts.. we have been living in my inherited home that has been in my family for many years. Over the past few years, we have both agreed the house and the location is just not ideal. With the housing market being what it is, we have sucked it up and continued to live here.
Recently we were offered to purchase my husbands family home. It’s a good house that needs a lot of work but I am confident we can do what we need to for under $15,000 in renovations, so we are planning to move there and begin renovating!
We were both happy and excited until the other day when we were talking about it, out of nowhere he told me “I want you to know this house will never be yours. If we divorce or anything, you will have no right to live there anymore.” And I found this hurtful and odd. This was never a discussion in the years we have lived in our current home. I would never plan on taking his family home if we were to separate, but it felt like a stab to the heart especially when we are trying to have kids.. I told him “it would be a marital asset since I’m paying half the mortgage and half the renovations. I would never fight you for the house but I don’t plan on getting divorced” - this made him very upset. He said he would rather not move in if there’s a chance a judge would determine I had any rights over the home. Was I wrong? How do I move past this with him?

Comments

Ihateyou1975
So from what I understand. It’s a family home BUT you are paying on the mortgage halfsies and paying to renovate? And he said no to you having ownership at all? Then hell nah. He can purchase it on his own. Renovate it on his own. And you keep yours as a backup from this point forward. Rent it out and YOU keep that income.
OOP: This opened my eyes. We are going to definitely have another conversation about how we would go about this purchase.

ZestycloseSky8765
I really hope you don’t sell your home and make contributions to something he straight told you wasn’t yours.

Update - 1 day later

So there was a lot of questions from many people who saw my last post, so I figured I would answer some of them and also update on the situation.
My family home was inherited. There was no mortgage. We paid our bills and taxes evenly between the two of us, and same with any repairs the home needed.
His mother is selling us the house at a $25,000 discount from what she listed it for on the market.
My husband was not on the deed to my family home. This home was not going to be sold. It is a home that has been passed down exclusively to family members at virtually no cost, so a mortgage hasn’t been held on it in many decades. The house would be going to my sister as she is welcoming her second child soon!
Now for the update:
Me and my husband agreed to go to breakfast together this morning since our Mother’s Day plans didn’t start until lunch. At breakfast I brought up the topic of the house we are going to buy. I told him about how the things he said hurt my feelings and made me insecure about where he stands in our marriage.
He told me after seeing his dad lose his family home in a divorce, it was scary to think our kids could possibly lose it if we were to separate. He apologized and told me he never ever thought of getting a divorce, but nobody does until it’s happening. He said he was wrong to say the things he did and that he let anxiety control the way he spoke and it was unfair to me.
We agreed that I would be put on the deed, and agreed to start the process of a postnup agreement for the home among some other things. I addressed feeling like maybe he had a feeling he was going to leave or cheat and that’s why he was so defensive. He felt hurt by that and told me that was his fear when getting married, that he would be cheated on or worse, have kids involved in that mess. I told him I felt the same.
We both agreed the most comfortable we would feel would be us BOTH being on the deed to the home, and getting a postnuptial agreement with an infidelity clause. We are both anxious people and I understand where he was coming from with wanting that. It stung a bit at first that he wanted an infidelity clause but we agreed it would do nothing but benefit us both if either of us were to go beyond our marriage in that way.
So tldr- we are both being put on the deed, we are getting a postnuptial agreement + infidelity clause and we had a very mature and emotional conversation about how we felt. Thank you all for your advice, it gave me a very good idea of what to research before I brought it up to him and we are setting up a meeting with a lawyer to start the process on Monday!

Comments

Jack_F2291
I’m glad that everything seems to have worked out :)
OOP: Very much so! I think I was a bit dramatic about the things he said and he was a bit harsh and not thinking through what he said. It happens to the best of us but my mind is put at ease now thankfully

call-me-mama-t
I don’t think you were dramatic at all, you were protecting yourself. Good for you! Since you are newly married, this is a really great lesson for you both. Learn to communicate, turn to each other when you’re upset about something. Meaning don’t go complain about your spouse to friends, you talk to him and figure it out together. Great outcome!

I am not the OOP. Please do not harass the OOP.
Please remember the No Brigading Rule and to be civil in the comments
submitted by SharkEva to BORUpdates [link] [comments]


2024.05.14 06:50 tinkerellabella Seeking Advice on Marital Troubles and Potential Sale of Our Home

Hi Reddit,
I'm in need of some advice regarding my current marital situation and the potential sale of our home. To give you the full picture, I'll start from the beginning. Apologies for the length, but I feel all the details are necessary to understand the context.
I (29F) met my husband (40M) on Tinder four years ago. We dated for about eight months when my family had an opportunity to purchase a property. My then-boyfriend was also looking to be involved in a business deal of that sort, and he was interested in having his name on the property as well. My father supported this, seeing as how my boyfriend was a physician with a good income, and saw this as a way to bring him closer to our family. The opportunity came quickly, and we all signed the contract to purchase the house.
Trouble began shortly after this. My boyfriend requested that only he and I be on the title of the house, removing the rest of my family, as he saw a future with us and envisioned it as our potential family home. My father was very pleased to hear this and supported it, so we obliged. During this time, the property had increased in value, and I requested the other family members be paid off so we could buy out their shares. My boyfriend declined, feeling it was unfair.
To skim over some details, here are the highlights of the construction: My boyfriend paid more for the down payment than we initially realized would be required. Because of this, he paid no further construction costs. The construction proceeded with debt from my family until the construction loans came through. My family paid for the construction, and my father built the house for us without charging for his management services. My father was displeased with my boyfriend’s behavior and required him to pay more money for the construction due to inflation and the COVID shutdown. My boyfriend declined, and my mother and I secretly took out a line of credit to front the construction costs to my father, pretending it was from my boyfriend. Eventually, as we got the construction loans on a rolling basis after meeting construction milestones, my mother’s line of credit was paid off.
During this time, my family and I wondered why my boyfriend had not proposed. I decided that if he hadn't proposed by a certain time, I would leave him. Fortunately, he did propose on Valentine’s Day 2022. By spring of 2022, construction was coming to an end, and it was time for us to settle into the house. My fiancé felt uncomfortable with how much money he had put into the house and was worried I could leave him and make a profit. I promised him I wouldn’t leave him, but it wasn’t enough. He said he would believe me if I had a child with him, otherwise women would leave men if there were no ties. I told him I would have a child with him right when we got married. He suggested I come off birth control, as it takes months for a woman’s cycle to normalize after being on birth control for many years. I promised him I would come off birth control.
Coming off birth control was more stressful than I realized. I was very hormonal, breaking out, and felt unlike myself. This contributed to my fiancé and I fighting more than usual. In one particularly heated fight, I told him I would go back on birth control and even purchased the pills, but he told me he would break up with me if I did because he wanted to get to know the real me. I conceded, and then something switched in me and I became excited at the possibility of having a baby. I started tracking my cycle and figuring out my ovulation days. I shared this with my fiancé, and on one of those days, we got pregnant. I didn’t find out until the end of summer 2022. When I did find out, I told my fiancé and suggested we should probably get married.
My fiancé's first response was that we should wait to see if the baby sticks, and if it does, then we can plan a marriage but he wanted to wait until February 2023. I was very disappointed and angry and yelled at him. I felt alone and overwhelmed by the thought of having an illegitimate child. After discussing potentially getting an abortion, potentially breaking up, and potentially selling the house, I talked my fiancé into keeping the baby and getting married. He also wanted to keep the baby but was afraid of our situation. After many fights about when to have the wedding, we finally decided on December 2022. At that point, I was four months pregnant. During this time, my fiancé and I had major arguments that therapy couldn’t even remedy. We would yell at each other, slam doors, I would cry, and he would hold himself up in a room for hours. We had nice moments too, but they were heavily clouded over by the bad.
Finally, we got married, and things were good for a while. But then we faced some marital problems. My husband kept separate accounts and managed the finances himself. We had a joint credit card where I could pay for expenses without being questioned. He made all of the major investment decisions and major purchases. If I tried to disagree or speak up, he would get upset because this was not the submissive wife I had promised him I would be. I made significantly less money than him but lived a good lifestyle, buying almost anything I wanted within reason. Coming from a traditional family, I was upset that finances were kept separate. And so it continued that my husband would invest tens of thousands of dollars into our house so that his family from out of town would visit. We live in Vancouver, Canada, but his family is from Ottawa. In hopes of luring his youngest sister (of four) to Vancouver, my husband would make any modification to the house that his youngest sister showed the slightest interest in. This included a hot tub on the rooftop, a media system in the basement, a movie projector, and much more. After said sister got married, she made it clear that she would not move to Vancouver. Then a switch happened in my husband, and he suddenly wanted to sell the house.
Meanwhile, during all this time, I had my baby, and my husband and I were still fighting more than ever. I felt no support from him, and he felt drained by his work, our fights, and being away from his family. Recently, for the past three months, he has been consistently pushing for the sale of our house. This is where my dilemma lies. I am afraid to sell this house because my husband has kept finances separate, and the mortgage on this house has been serving as a way for me to feel secure. My husband contributes a monthly amount on a regular basis. He could have forced a sale in the past but didn’t, instead paying into the monthly mortgage on top of other bills. Now, he is considering forcing the sale of our house, but I am upset that he is citing financing as the issue when I have been begging him to save money instead of spending (his response is that $200,000 does not affect a $2M mortgage, and that he now feels burnt out and wants to retire sooner and live passively). If I don’t agree to sell, I feel unstable about moving from our home given that my husband and I fight so frequently, and I am left alone to take care of the child. It is also worth noting that my parents live right across the street and come over frequently to help with the child, or I would go over to seek their help. My husband says that he feels abandoned and uncomfortable frequently because of our proximity to my parents, but I am because there have been times when I felt truly alone, and my parents were my only solace and support. My husband would ignore me for days, especially when I was postpartum and vulnerable. My parents now see my husband as someone who doesn’t put his wife and child first. My husband says that the massive mortgage we have is too stressful for him, and he can’t take that burden. I am sad that my husband will not consider keeping this house for another three years so that I can get comfortable with the idea of selling the house and that potentially I and my family can all move to Ottawa so that we can allow my husband to be closer to his family.
I don’t know what to do at this point, Reddit. I’m currently on extended maternity leave, but it ends in six months. My husband and I will have to come to an agreement about the house, otherwise, it is likely that he will force the sale of the house even if I’m not ready to move. I’ve consistently felt rushed and overlooked in this relationship. I am tired of being the small voice that does not impact decision-making. My husband is now being nice to me and trying to show me a good time, but I see it as him turning on his charming mode so that I can say yes to the sale of this house. I’m not sure what to do. Our fights and disagreements are so bad and the marriage feels like doom sometimes (never any physical violence). I sometimes questions even staying with him, but I worry for my daughter. He is a good father to her, when he is present and off his phone.
Any advice would be greatly appreciated.
Thanks for reading.
submitted by tinkerellabella to Marriage [link] [comments]


2024.05.14 06:48 versaplatinum Top 3 Qualities Of A Good Mortgage Pool

Top 3 Qualities Of A Good Mortgage Pool
https://preview.redd.it/fjmil1a7ob0d1.png?width=1080&format=png&auto=webp&s=daa90fc9a04447115fdae22f99b078bf5e6c214e
A retirement portfolio can benefit greatly from the income and diversity that mortgage pool funds can provide. Furthermore, by using mortgage pool funds, investors can profit from real estate investing without having to assume the risks involved in actually owning houses. As several studies have demonstrated, real estate can be an excellent inflation hedge. Furthermore, real estate, one of the main industries in the economy, broadens prospects and gives any portfolio more depth.
So, these were some characteristics you must look for when choosing to invest in a mortgage pool. Versa Platinum is a leading MIC investment company in Abbotsford, assisting potential investors in making a profitable investment in real estate. For more details, give us a call now.
submitted by versaplatinum to u/versaplatinum [link] [comments]


2024.05.14 06:43 Informal-Prompt5659 He left me

I am writing this because my friend told me I should start journaling about my situation. My situation is not too uncommon but I need to get this off my chest. I was recently in a relationship that lasted for 1 year. The break up literally tore me apart because he did everything he was supposed to do from spending time to going on dates. He was so engaging that we would have never ending conversations. We related on so many levels. As we got to know each other we developed what I now see as unhealthy behaviors. He was in a profession that allowed him to make his own schedule, I was in a profession that allowed me to take off time but I was unable to make up the hours missed. All of that was ok because we made plans on how to get right financially. He lived with his parents which was ok. We planned that he would move in with me because I own my house and if we went together on the mortgage it would be less for both of us so we could get our financial situations together. I loved hanging out with him so much that I began to make my schedule reflect his. Essentially working part time. I had a bad habit of drinking that i often told him I didn’t want to bring into our relationship. He agreed but then developed the same habit. We had so much fun together.. drunk. I hated it and loved it at the same time. Out of 365 days we were together 350, he never gave me no clue of cheating.. so I thought. One day we got drunk together… of course.. and he passed out on my couch. While he was out I was still up drinking. I reached down one the couch and felt his phone… my first thought was.. let me see if I know his code. First code I put in …correct. Me still clueless I go to his text messages thinking I won’t find anything, this man didn’t play about me. I scroll through and I see mostly clients, then I see a text that says “I love you” I open it. Scroll back over the whole year we had been together and see that he was planning a future from moving in together to having kids with this woman I now know to be one of his exes F/30… I could not breathe. I then go to his Snapchat and see conversations with a woman named Laura, again another ex.. I scroll though it and the whole year the same thing, planning a future from moving in together to having kids another F/30.. at this point I’m almost on my death bed.. question… what do I do?
submitted by Informal-Prompt5659 to BreakUps30Plus [link] [comments]


2024.05.14 06:39 Informal-Prompt5659 He left me

I am writing this because my friend told me I should start journaling about my situation. My situation is not too uncommon but I need to get this off my chest. I was recently in a relationship that lasted for 1 year. The break up literally tore me apart because he did everything he was supposed to do from spending time to going on dates. He was so engaging that we would have never ending conversations. We related on so many levels. As we got to know each other we developed what I now see as unhealthy behaviors. He was in a profession that allowed him to make his own schedule, I was in a profession that allowed me to take off time but I was unable to make up the hours missed. All of that was ok because we made plans on how to get right financially. He lived with his parents which was ok. We planned that he would move in with me because I own my house and if we went together on the mortgage it would be less for both of us so we could get our financial situations together. I loved hanging out with him so much that I began to make my schedule reflect his. Essentially working part time. I had a bad habit of drinking that i often told him I didn't want to bring into our relationship. He agreed but then developed the same habit. We had so much fun together.. drunk. I hated it and loved it at the same time. Out of 365 days we were together 350, he never gave me no clue of cheating.. so l thought. One day we got drunk together... of course.. and he passed out on my couch. While he was out I was still up drinking. I reached down the couch and felt his phone... my first thought was.. let me see if I know his code. First code I put in ...correct. Me still clueless I go to his text messages thinking I won't find anything, this man didn't play about me. I scroll through and I see mostly clients, then I see a text that says "I love you" I open it. Scroll back over the whole year w had been together and see that he was planning a future from moving in together to having kids with this woman I now know to be one of his exes F/30... I could not breathe. I then go to his Snapchat and see conversations with a woman named Laura, again another ex.. I scroll though it and the whole year the same thing, planning a future from moving in together to having kids another F/30.. at this point I'm almost on my death bed.. question... What do I do?
TL;DR;: he left me. For his exes. I think I messed up. Is this going the right way?
submitted by Informal-Prompt5659 to BreakUps [link] [comments]


2024.05.14 06:36 ExperienceGold645 Requesting a sanity check

Hello,
I just got laid off from a stressful job and need to reevaluate my direction in life. I was hoping to get some feedback from "like minded" individuals because I know that my friends and family have different lifestyle goals than me....but I don't necessarily trust my own instincts on this one and want to set myself up for success. Specifically, I don't just how shoe-string my budget really is, or how long I should hold on to the house. Open to all opinions. Thanks in advance.
The below puts me at around $420k (blaze it) net worth when including equity. I'll get 15k from unemployment. My plan was to move to Spain, Italy, Slovenia, Romania, Portugal, or Greece then withdraw according to the below equation and cutting the vacations on down years. (430,000×0.06/15)= $1720 monthly+ 3 vacations/discretionary
Stats: 30yo Single male, currently in US, but dual cit w/ EU country House valued around $550k before closing costs, 405k remaining mortgage at 7.9% APR. Renting to a friend for 2k/mo on a 3.2k payment while I crash at my parents. 4k cash 11k HSA 11k I bonds 33k Roth IRA 61k Trad IRA 163k brokerage (vti mostly) 6k from selling car Unknown trust fund/eventual inheritance that seems a little taboo to bring up, no details
submitted by ExperienceGold645 to Fire [link] [comments]


2024.05.14 06:29 drcombatwombat2 Landlord offering to sell me the house I currently rent. It seems like I should, am I missing something?

Hi all,
I normally feel confident with anything personal finance related (I have an economics degree) but for the first time I am in enough uncharted territory I would like to gather the opinion of strangers. To start, I am a 28 year old data analytics consultant grossing 115k/year + bonus. I never carry a credit balance more than a month and my only debt is 25k in student loans I have refinanced down to 3.5%. I have no spouse, no children, and am not responsible to anyone but myself. I have $15k between my checking and a high yield savings, $20k in a brokerage, and $60k in my 401k.
I currently rent a 3 bed 3 bath rowhome in a major east coast city. The house is old but was completely renovated after my landlord bought it in 2018. Since he acquired the property, he replaced the roof, replaced the furnace, replaced the water heater, redid the kitchen cabinets and countertops, and basically renovated every single room. I have lived here 3 years and have not had any major issues. The neighborhood is also gentrifying super fast with multiple apartments going up within a few block radius within the past year.
I sublet to two roommates. I have the largest bedroom with a master bath as the owner of the lease but we all pay $1200/month so the total rent paid on the property comes out to $3600/month. My landlord is getting divorced and is selling the property to help finance that. He informed us we have to be out in 60 days. I asked what the selling price is and after some negotiation I got a decent offer. I also negotiated to have all the appliances, and all furniture in the house kept upon sale.
I then applied for a mortgage and was approved for a loan that comes out to $3400/month. I told my roommates of the situation and offered a deal where I would keep the rent the same for 1 year if they agreed to stay for a year if I purchase the property. They agreed so I thus would get $2400/month in rent from them alone and I would only be on the hook for the other $1000.
So essentially, I would become owner of the property with my portion and all my roommates rent remaining at or roughly the same, I keep all the furniture, and roughly breakeven on profit. I finally get some mortgage interest to write off and begin to build equity. As soon as interest rates drop, ill refinance and have the payment on the house go down.
After running the numbers, everything about the situation says to f*cking do it! Is there anything I am missing? This seems like a once in a lifetime opportunity and home ownership much earlier than I anticipated. It really seems like it would be more of a pain to move out and find somewhere else to rent than do a background transaction and just stay here. Once again, what am I missing here?
submitted by drcombatwombat2 to personalfinance [link] [comments]


2024.05.14 06:12 8bitEevee Inlaws expect to stay 3+ months

I love my inlaws, however, I know they trigger tf out of my husband after just a couple of hours. They're great in small doses. They just moved back to the Philippines for retirement. However, they come back for 3-4 months at a time twice a year... April-July and November-January.
Trust me - I know.... it doesn't make a ton of sense.
They have always rented their home from my MILs brother. They also rented it for over 10 years for FAR under what her brother has to pay in mortgage, taxes, etc. The uncle has lost so much money in being generous with my MIL & FIL rents of the house... they moved, and inlaws are pressuring us to buy the house so they can A) keep their stuff there (his dad is a hoarder.) B) live in the basement during these long visits.
I WANT to buy the house, or even rent it for a little bit, but at a price we worked out with his uncle that would put him into about a $300 profit each month. We can easily afford it, and feel we benefit from the house, but also they benefit by finally seeing some positive revenue - but my inlaws fully expect to keep that their HQ when they come home so frequently. It would be a purchase with some baggage...
My husband said it absolutely won't happen. 2 weeks max. But... they will not take that kindly. Since he's been in his later 30s he has stood up to certain things with his mom and dad and his mom always says "What has happened to my son?" And lays the guilt on heavy. (He doesn't buckle though)
We have been brainstorming the conversation of "You can stay for short windows, but you are not leaving your stuff in the house and treating this like your home when you are back in the US. It's our home. Boundaries." But keep feeling helpless.
Open to any insight... we want this to be a good conversation and have them respect our boundaries. If they overstayed with us, my husband would certainly grow to resent them more than he already does and it would be awful.
submitted by 8bitEevee to inlaws [link] [comments]


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