Breezeway house plans

Brewing up ideas

2011.07.25 17:31 Nefarious- Brewing up ideas

TheBrewery is a professional community focused on issues related to the production of Beer, Wine and Liquor. This subreddit is for the discussion of all things related to the industry such as Business Plans, Marketing, Startup, Licensing, Distribution, and Technical issues.
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2011.10.24 19:15 Joe Biden

Together, we can finish the job for the American people. Are you with us? Join our campaign to re-elect Joe Biden today!
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2011.03.22 06:03 moongoon Houseplans - Show and Tell, Help, Critique and Bragging rights for fine home design

A place for posting great house plans or asking for help finding the right home design, critiquing your custom designs, or showing off your construction results! SIMPLE RULES 1. When posting a design - STATE THE DESIGNER, and STATE YOUR RELATION TO THE PROJECT. 2. Respect Copyrights - credit the owners of any images used. Do not post plans that violate copyrights. 3. If asking for critique, be specific on feedback requested. Do NOT just post a plan with "What do you think?"
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2024.05.14 07:00 Ambitious-Cow-3263 Is it me? How would you feel?

I (35F) have been married to my husband (37M) for 7 years. and sometimes we’re really happy. But most of the time, at least I, am not. I’ll start by saying things were different when we got married. I had lower self esteem. I was out of abusive relationships and picked a boring but safe man. Not my intention at the time, but in retrospect, I think that’s what I was doing.
Now that I’ve done a lot of healing, inside and out, I’m not sure we still make sense.
He is safe. Never abusive. Does “the little things.” However, I do 90% of the family work. I pay 100% of the bills. He has no desire to get a better job, go to school, etc. His account is only for miscellaneous expenses, because that’s all he can afford. I come home from work, clean, do laundry, run the kids to appointments, all the things. He does do some household things but not a lot, not well, and it’s besides the main point anyway.
The main thing is, I’m lonely. I want to grow. I like having conversations, challenging myself, adventures, learning new things. This man is stagnant. I want to be better, healthier, do more with our family. He could not care less. I enjoy talking about financial planning, investing, healthier routines and activities… He’d rather sit and play video games. We have 3 boys and I’m worried about their future if their rolemodel has no interest in personal growth or health. Will they grow to find a wife that coddles and tends to their every need and ends up as resentful as I am? Who will teach them to be a man? I feel as if I am the man. I don’t want to be! But every day, I run the show.
This leads me to never be attracted to him, simply because I don’t respect him. The more people pleasing he is to everyone, the bigger ick I get. We don’t have sex. He used to blame it on me, but even now when I offer, he says no. Yet, pretty sure he does it himself nearly every day. Idec though. The thought of being vulnerable in order to please this man who can’t stand up for me, push himself, be bothered to become more, makes me sick.
So I ask, if you had a wife who worked her ass off, made bank, bought you a house, car, trips, paid all the bills, was a great mom, took care of all the things, took care of herself, would you step it up for her? Would you try to relieve some of the pressure? Or did I make him this way by being independent and successful? I ask so many times that he do this or do that. Just like picking a career or can we go over finances together, can we have a date night… Let’s start doing this or even can you take this box to the attic? And it’s like another kid I have to keep on. It’s exhausting. It’s heartbreaking. I just want a partner. I want someone to share life with. He’s just cynical and lazy. But I do love him, and I know he loves me. I’m just incredibly lonely and let down.
It’s another night. He says goodnight. I lay here and look at the ceiling and think about all the conversations I wanna have. But it’s not worth watching him pretend to be interested only to feign sleep midway through, and my time getting my hopes up. Again.
submitted by Ambitious-Cow-3263 to Marriage [link] [comments]


2024.05.14 06:57 ElbowSkinCellarWall [TOMT][Movie][2000s-present] Down-on-his-luck / retired [private investigator? bounty hunter? bail bondsman? hitman?] takes one last job which somehow involves his estranged teen/preteen daughter.

It's NOT Live Free or Die Hard: it's much smaller in scale and more of a mystery/crime/noir thriller (maybe with some comedy too?), and the daughter character is younger, probably 12-15.
Some scenes I vaguely recall:
A villain (maybe the main guy's competitor) approaches a girl in a car, and I think she makes some excuse for why she's not at school. I think the girl goes missing, which is a major plot point and related to the job the main guy takes. I think the girl is a friend or classmate of the main guy's daughter, and/or there may be some kind of mistaken identity situation.
The main guy brings his daughter to a very adult party where he is investigating the plot. The daughter is precocious and makes friends with some unsavory characters, who are friendly and casual about a young girl being there.
While investigating in a desert-ish area outside the party house (a southern California house up on stilts?), the main guy comes across a dead body, or a wallet, or a dead guy's wallet, or something written on a slip of paper, which becomes a key piece of evidence.
The main guy has one or more violent fights inside his house or a house where he is interviewing someone. He's not a martial artist or John Wick type, but he's clearly good at his job and defeats toughebetter armed attackers. At one point he has an argument with someone else in his line of work about being unlicensed or about behaving in a way contrary to their code/rules?
At some point the daughter is abducted in a car, but I think she does something heroic that foils a plan: maybe by slamming the car door open into a villain or perhaps some action involving a remote control or detonator?
In my head I'm picturing the father and daughter as Nic Cage and Chloe Grace Moretz but I'm fairly certain neither is correct.
submitted by ElbowSkinCellarWall to tipofmytongue [link] [comments]


2024.05.14 06:55 NationalBanjo Im having a hard time with some “close” friends

Little backstory: my friend and i have known each other ther for about 10 years. Our parents used to date but it didnt work out. We decided to remain friends and her mom would claim i was another one of her children. It never really felt like it but i figured my expectations were too high
Close to 3 years ago my partner and i moved in with said friend and her husband. Less than a month before the lease was up, she told me she had decided to move back in with her mom. My partner and i werent expecting this and were not in the financial position to pretty much go anywhere. Semi-luckily, her mother-in-law offered us a room to rent in her house. Id been told stories about how crazy she was but we were desperate
Things go okay for awhile. My friends dad ends up moving in too and we end up sharing a bathroom. We ended up having to set boundaries with him and basically said if you keep overstepping, youll have to start paying for your own toilet paper (which he never bought)
He ended up throwing a massive hissy fit and was yelling up and down the hallway. My partner and i locked ourselves in our room and kept quiet, but we could hear our “landlord” agreeing with him and practically egging him on
We ended up going on facebook to express that we felt unsafe and why. The first post was kept hidden but the second didnt default like i thought it would. Landlord saw and got upset. My friend also saw and had a panic attack because even though we didnt name anyone, and multiple people lived there, she knew it was about her dad.
Landlord went and told her dad that we had purposely given her a panic attack. He started storming around the house again in a rage and was threatening to “rip those bitches necks off” nothing came of it as he left the house but we were terrified.
The landlord ended up kicking us out but that was whatever because we no longer felt safe and planned to leave soon anyway
While packing, we needed to get more boxes and my dad decided to take us out to lunch. The landlord entered our room and took pictures of it and posted them on facebook, tagging us and complaining how we had left it in such horrible conditions (we were moving, of course it was messy!) she also tried saying we abandoned our cat with no food or water. He had both and we had only been gone for 4 hours!
This whole time i had been texting my friends mom, trying to get her to help with the situation, but she did nothing. Then she tried blaming us for not trying to to have a sit down conversation with everyone.
She had space but didnt offer us a place to stay. Whatever her house she can decide who lives there
We ended up moving into my dads backyard and lived in a tent for a good while until his live in landlord took pitty on us and cleaned out another room
Living there wasnt easy as there were a lot of drugs around. My dad doesnt use but had moved into his friends place to help him gain some mental stability. There was plenty of yelling and slurs being called out but things somehow worked out by the time we moved out
Part way, we thought we may have been getting kicked out as my dad had been. This was before we could find a place so we had asked if we could stay with friend and her mom for a bit. She said her landlord wouldnt like it but she hadnt even bothered to ask him.
A corworker of mine id only known for a few months told me she was trying to figure out us staying with her family of 5 in a 2 bedroom (different story) but someone id known for a decade and claimed to be family couldnt be bothered and told me to buy a house with my finacially unable dad
My friend doesnt know the whole story about how her dad threatened to kill us but she knows enough. Shes mentally unwell so she told me to not tell her until she was ready. Shes never asked for the rest of it.
Her family now keeps trying to act like everything is normal and nothing ever happened. I dont want them in my life anymore but i dont know how to confront them about it. I simply avoid hanging out with them anymore and give lame excuses. My friend keeps bringing up her mother in law and dad and it makes me panic everytime
I recently proposed and she said yes! Theres a group chat my now fiancée posted in in excitment with all the people i want to avoid, including the friend and her mother. She asked if she could post about it on facebook. I told her to wait and she later asked again and i ignored it. Turns out she posted about it anyway. I havent even posted about it! All my friends and possibly family i only talk to on Facebook got to find out from this woman i dont even want a relationship with anymore
Idk this post is long so some details were left out but im frustrated af. I need to talk to them but im worried about my friends mental health. I dont like her much anymore but that doesnt mean i should be a dick. But im also being a dick by not saying anything
submitted by NationalBanjo to confessions [link] [comments]


2024.05.14 06:53 auricargent Window recommendations please!

I have a house that is a small stucco craftsmanish mission-ish cottage in the suburbs of Chicago. It’s a lovely home that should be celebrating her 100th this year or the next. The local historic society doesn’t have records of the house before 1923, but it shows up for the city plot plans for 1925. My title says 1966, but that’s because the property was subdivided and other houses were built on the land then.
The house has some amazing features like internal brick walls and gorgeous quarter sawn oak flooring, the kind that is sometimes called tiger oak. It was seriously built by the third little pig. Solid and silent.
Unfortunately there were some changes done in the seventies and eighties. I want to restore the character, specifically the windows. My vinyl windows are dying, leaky, and just worn out. The garage still has true divided light metal framed windows, and I want to replicate that look throughout.
Can someone recommend quality replacement windows that will last? It’s a small house, so I’m willing to pay for quality. A total of 12 windows, so we are not talking about some extreme Victorian queen here. Thank you!
submitted by auricargent to centuryhomes [link] [comments]


2024.05.14 06:53 Greedy-Detective-253 AITA for not letting my friend come over

To put this short, my friend stayed over for about a month and treated me and my mom with no respect she refused to clean and just trashed my room about three days in I found out she had lice and it was very clear that she knew after that my mom spent around $200 on lice treatment and cleaning supplies I then combed thru her hair for 6 hours. her mom did not offer to pay for anything. she’s been treating me really badly because she’s talking to a boy who confessed his love to me and said he want to pop my cherry. I told her that he said that and she did not care. I’ve gotten multiple arguments with her about it and there’s just no emotion. She hasn’t been in school since sixth grade, her grammar is terrible she doesn’t know how to have conversations I haven’t had a serious conversation with her in two years, their house is infested with bugs and it’s dirty. she’s planning to come back and I just can’t do it. She doesn’t care about my feelings and she thinks she’s better than me because she was raised in poverty. I honestly don’t know if I can be friends with her anymore. There’s so much more I could say I just can’t fit.
submitted by Greedy-Detective-253 to AmItheAsshole [link] [comments]


2024.05.14 06:51 SaltyAqua77 What will my financial future look like?

I’m hearing stuff like if you put $15k a month into a Roth (in mutual funds, what is that?), I will be a millionaire fast (Dave Ramsey). Is this true?
So here’s the changes I’ve made. I 33M make 108k + weekend shifts once in a while at my per diem job.
  1. I returned a bunch of process clothes, products from a “lavish” phases, and to my surprised it amounted to $3k. I am planning on being more frugal with fashion, etc.
  2. In my 401k plan, it sounds like my job GIVES 1.25%, not matches. I’ll have to verify. If it matches, I will match it and the rest of the 15k I have in the Roth account.
  3. I had 26k in my account, but also have had a 24k student loan. I didn’t bat an eye at the loan until people said to pay it off. Well I realized I do not like interest because from 7 payments I’ve paid like $350 in interest already. (I’ve never had a loan before). So what I did was paid 12k worth of the loan today. I was afraid to send all my savings so I just did half. But maybe in a few days might do another 5k. I know I will pay the whole loan quickly. No other debt.
The new 15% for retirement will lessen my check, but I am a going to be more frugal, and also will soon not have a $250 student loan payment every month, so I anticipate my savings rising.
How to invest whatever I save I have no idea how and am afraid. But I do know my 401k is on vanguard and heard they have some investing platform I think you call it mutual fund, so maybe I will deposit $1000 here and there if that’s how it works.
What is my financial future likely going to look like? I don’t know a house but in Los Angeles they are like a million I’ve heard.
submitted by SaltyAqua77 to personalfinance [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 06:50 No-Recognition-6154 FIRE journey

I have been lurking around this forum for a while. Recently looked at my finances, so thought will share with the group here with few questions I have in mind (will be allover the place). All the numbers below are combined for me (37 M) and and my wife (35 M):
Pf/PPF - 1.14 CR
FD - 1.6 CR
Savings account - 69 lakhs
Equity (including mutual funds) - 1.8 CR
ULIP - 30 lakhs
2 bhk (investment, having given for rent of 65K) - 2.5 CR
4 bhk primary house for residence - 3.75 CR
Total NW (without primary house) - ~ 8 CR
Total NW (without real estate) - ~5.5 CR
No debt and haven't included inheritance and any estimates for gold in the calculations above.
We have mostly worked in India except for a 1 year stint my wife did outside India. We have 2 kids (5 and 2 year old) and their education is likely going to be our biggest spend in coming years. We don't really track expenses but generally live (happily) below the means. Usually save 80-90% of our combined salary.
Parents are retired and completely independent. Wife's parents may need some support over time but currently quite self - sufficient financially.
With prices going up in metros like crazy, it is a bit hard to know when you are FI and ready for retirement. I changed my role in my company 2 years ago as I was burnt out and took an easier role with slight pay cut. My future earning potential went down drastically but for me staying sane had become more important. Best decision I made. The new role is nice but don't know the long term future in it. Current plan is to make sure I can do this role for atleast 3 more years and increase our equity portfolio to 5 CR+.
In the next 3 years, I also need to figure out what next after my current role. I worked in consulting and would love to set up a coaching practice where I can coach middle to Sr. managers along with social work in my village. The way I see it, my first career will end in few years and I need to set up a second career that I can passionately work towards, on my own terms, for the next 20 years. This is the hardest bit especially as I have only worked in one company all my life and the growth path has been pretty straightforward. Struggling to figure out where to even start.
Based on above, if you have any suggestions for me, please share your thoughts.
submitted by No-Recognition-6154 to FatFIREIndia [link] [comments]


2024.05.14 06:47 Waste-Ad6787 My 10 year old said I don’t deserve to live

We are trying to figure out if she has something going on but because she is totally dysregulated when she gets angry. No diagnosis yet.
Since a few days she has been calling me dumbo and poop when she is angry. She doesn’t swear. Thinks it’s bad to do so. She realizes later and calms down.
Today she called me trash and lazy because I asked her to switch off tv. I didn’t answer anything after that. Then she saw that I had a link to a boarding school open my phone. It’s a school where my colleagues son goes and I actually thought about it for a few minutes. It’s a very good school. It was an irrational thought but I considered it at that time.
She uses my phone to text her friends. That’s when she saw it. She got pretty mad. She called me those names again and then said I don’t deserve to live. She also said someone should take my tongue away so I can never speak. She said I was lazy, I don’t do anything around the house and there is a reason why people don’t like me and I don’t have friends. She got sent to her room. After a while dad went to talk to her. She claims that I’m lying and twisting her words. She is not violent and when she’s fine, she’s very gentle and loving.
Tomorrow is her school’s open house and I think the punishment would be that I will not attend it. My husband probably shouldn’t either. She is super excited about it. We were too. We won’t have time to talk about it in the morning. I’ll go to work and planned to go to the open house directly from there. I feel hurt by the things she said. She may have a PDA profile. I don’t know. But my husband and I are very involved parents. May be I am childish, but I am hurt and I don’t know the appropriate punishment for this.
submitted by Waste-Ad6787 to Parenting [link] [comments]


2024.05.14 06:45 Major-Plane-5124 subtly sharing my feelings at prom

so I didn't know my crush was going to prom. she never mentioned it and i was honestyly super disappointed. I wasn't even looking forward to it as much. but i just found out she actually is going so im extremely excited and extremely nervous now. she's coming with my big group of friends. so my plan is to get a bouquet of flowers and i will gift one flower to each of my friends. i will specifically give her a red rose though. she knows flower language, she will most definitely know that red roses are romantic. but its subtle enough that i could play dumb/have plausible deniability if i need to. if she has the same feelings, she can say something about the rose. if she doesn't, she can just ignore it. I'm so nervous about making her uncomfortable though. we've grown such a great friendship. the other day i was drunk at her house with our friends and she was taking care of me the whole time. helping me walk to the bathroom, making me food and water, carrying me to bed. it was so sweet and caring. i want to keep having that. i hope prom will evolve our relationship, not set it back. its tough though, we're both going off to do different things after high school. but it would be nice to have a sweet relationship, even if its just for the summer. or even if its just for the month of school we have left.
submitted by Major-Plane-5124 to Crushes [link] [comments]


2024.05.14 06:44 Bay7let Should i get emancipated or stay with abusive parents

Am i over reacting?
For as long as i can remember i have been saving my money to be able to move out as soon as i turn 18. Then i learned about emancipation when i was in 6th grade and that has been my plan since then.
When i was a kid i was getting hit almost everyday by my dad and my mom has always somehow convinced me that it was my fault. I was always staying at friend’s houses (as much as i could anyway because i had to babysit a lot) to try and stay away from my family. I also have 4 younger siblings who i have basically raised. The youngest two (currently 7 and 4) stayed with me in my room the moment they got home from the hospital.
I am now 15, and life is not as bad, my parents rarely hit me anymore, i still get manipulated a lot but thanks to my friends I’ve started to realize that what is happening is actually abuse and that its not my fault. I recognize the moments and try to brush it off even though it hurts.
But there are good moments, like going on drives singing to les mis with my dad, getting food with my mom, other things. And i dont want to loose those moments, especially because getting emancipated would destroy the tiniest bit of relationship we have and i dont want to loose it.
I just feel so guilty for even considering getting emancipated. Im scared that i will ruin our relationship even more then it has been ruined. I know its dumb but i still want some kind of relationship with my parents, and it hurts that they dont love me like they love the rest if their kids. It hurts that they could hit me over and over and over and not feel any remorse. It hurts that they convinced me that all of this was my fault and that i am the problem.
I just dont know what to do. I feel terrible for thinking about emancipation but also feel like it’s the only option? And thats if i can even afford it. Legal teams are fucking expensive, not only that but i have to prove that i van provide for my self for them to consider emancipating me.
Also i dont want a guardianship changed. I know thats a option and that it would be helpful, but i dont want to become a burden for anyone else, i dont want anyone else to have to take care of me even if they want to.
I just dont know what to do, i want to get emancipated but at the same time, is it even worth it?
Any advice is helpful thanks!
submitted by Bay7let to Advice [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 06:42 interstellarsnail Anxiety about hell. But I don't believe in hell.

Hey all.
I think I have posted here before, but a short backatory on my deconstruction:
I'm a 27AFAB nonbinary queer person who was raised in a "were not legalistic" legalistic non-denominational church in the Midwest. I met a guy in college and we got married when I was 21 years old, I left my parents house and moved across the country because my husband was in the military. The only two environments I ever lived in were my immediate family and then just me and my husband, so it was kind of a culture shock and I actually got to experience the world outside of an echo chamber.
I had really never 100% believed everything taught in church growing up, because I just had too many unanswered questions- when I prayed, it was radio silence. When I talked to church leaders and parents and stuff in the church, they would scold me for "questioning god" and that "I didn't need/deserve to know the answer because he has a plan/he works in mysterious ways". I also struggled to make friends because I either tried to pressure them into church, or I was the "weird homeschooled theater band Christian kid". My parents had a lot of rules for guests at the house that were based in religion, so my "secular" friends were uncomfortable. My whole life was very influenced by the church and my parents and that was it.
I have recently begun to deconstruct, and have labeled myself agnostic, as my mindset is that I am only human and don't know everything, and probably won't ever know everything. I don't want to put myself in a box and live my life based on rules to send me somewhere after I die that may or may not exist. In any capacity or form.
Recently, I've been dealing with this weird feeling of anxiety and panic over the possibility of going to hell if I die, even though I don't believe in the biblical God anymore, nor do I believe in a "fire and brimstone" type of hell. I'm kinda honsetly 50/50 on if hell exsts at all. And even if there was a hell, and it was some sort of endless torture, I don't think I truly would go, because my belief is that a place like that would only the for the worst of the worst people (terrorists, serial killers, abusers, ect) and not just like, gay people and atheists like so many believe.
When I was a Christian (or at least said I was to other people even though I was doubting and struggling) I didn't think I'd go to hell because I said I was a Christian. And (for arguments sake) if God is real, and he's who the bible says he is, and hell is real, he would have known that I truly don't believe all that stuff but only say I do because I felt like I couldn't admit it to him and had to keep it secret, so I would have gone to hell anyways for "turning my back on God", regardless of if I what I told myself and other people I was.
But now that I've opened up to myself and people in my life, and have been open anbout leaving christianity, I am anxious 24/7 with constant thoughts of "well what if you're wrong and it IS all real. You're DEFINITELY going there now that youre not a believer anymore". Idk how much is me actually believing in God and being anxious because it is all real and I am wrong, or hoe much is the subconscious voices of my church leaders and my parents that are just trauma fueled and religious brainwashing telling me "if you're doubting, that's ACTUALLY the holy spirit telling you the truth and you're ignoring it".
I know this is sooooo long, but I was just hoping maybe someone else has dealt with this too?
submitted by interstellarsnail to Deconstruction [link] [comments]


2024.05.14 06:41 Previous-Stay-912 just moved to new house with my two cats

just moved to a new house, we have two cats and two dogs. The cats we just brought in today and at first they were really nervous and one even peed a bit in the crate, but I think that was mostly out of fear of going to the vet. I have kept them confined to my room (which has a decent amount of space, familiar objects, and hiding spots) and my bathroom (which has their litter box, food, and water). Anyway, it’s night one and cat #1 is quite happy relaxing in my room, he’s an older gentleman and is usually content to just hang around and cuddle with me. Cat #2 on the other hand is a bit more on the psychotic side and is already trying to escape to explore the rest of the house. Both seem well adjusted already (one has pooped and drank water, cat 2 has yet to seem interested).
I’ve heard you should let your cats adjust to moving into a new house by keeping them to just one room for a few days. I’ve also heard when they start trying to leave, they’re ready to. Any advice? Should I let her leave the room or keep her in here for the night? I’m planning on sleeping soon so I wont be able to keep an eye on her if I do let her explore. She’s very independent but if I let her out I’ll have to let cat #1 out too so she can get back in to use her litter box and get to her bowl. I’m not sure he’s ready but she seems to be.
Let me know if anyone has any thoughts!
submitted by Previous-Stay-912 to cats [link] [comments]


2024.05.14 06:41 anonymous212231 Comments and Questions: Bible, Origin Bible

Place of Origin: ancient Egypt ( from inside the house of the pharaoh) (Moses writes the first 5 books of the Old Testament/Bible) ( adoption of Moses is a fake alibi as to explain why Moses comes from inside the house of the pharaoh)
Exodus 3:14 God replied to Moses, “ I Am Who I Am . Say this to the people of Israel: I Am has sent me to you.”
I AM has sent me to you, or substituted , I sent my self.
( online bible : biblehub.com ( with various versions of the bible)
Psalm 103:1
Bless Jehovah, O my soul; And all that is within me, bless his holy name.
Put simple, God does not need you to bless God.( But more on that later)
Before trusting anything from ancient Egypt, first trust God.
Taking in to consideration, a rational prayer would be prudent:

God, if the Old Testament is not true, I do not believe in it, amen.
God, if the New Testament is not true, I do not believe in it, amen.
God, if the Old Testament is true, I believe in it, amen.
God, if the New Testament is true, I believe in it, amen.

The Old Testament/Bible is not true, if you’re having trouble telling, there is the rational prayer.
Ignorance always says its correct, praying in a rational manner there is no error.
And no offense, but this prayer also applies to your religion, even if its not based on the Old Testament/Bible, just substitute the name of your religion.
Amen = so be it.
Who told you, you cant pray in a rational manner, someone from inside the house of the pharaoh?
2 Chronicles 7:13
13 When I shut up the heavens so that there is no rain, or if I command the locusts to devour the land..."
The fraud Bible boasts of causing drought, drought, which is really bad; I kindly ask you to pray in a rational manner.
Proverbs 3:5
Trust in the LORD with all your heart and lean not on your own understanding.
According to this verse, not even the clergy understands.
Raise your hand clergy if you accepted this Old Testament/Bible book without reading it all first, if you taught this book without reading it all first.
How are you suppose to assess this Bible book and evaluate it's validity if you don't use education, they are trying to manipulate you; ancient Egypt is trying to manipulate you. And you're going to have to excuse me but, a book from inside the house of the pharaoh asking you to not understand is not normal. Please realize that it says in the Bible book that you do not understand, it is not a little game, it is not a little joke. Consider it for a second, what if it what the Pharaoh who asked you to not understand. What is the extent of the manipulation, usually people join those cults since they are children. A religious book asking people to not understand it typical of cults.
And I hope you understand that God does not need you to bless God.
That should be enough to prove the Bible false, I ask you kindly to share the article, it is very important, the rest of the article are other points of interest, you are welcome to read it at your leisure. Drought is not good.
Other prudent rational prayers:
God, I do not believe in any religion that is false, amen.
God, I believe in you, amen.
God, I do not accept anything from religions that are false via sorcery or blasphemous prayers, amen.

God, I do not accept anything via sorcery or blasphemous prayers, amen.
__________________________________________________________________________________________________________________________
The original Old Testament is written without vowels, and contains no vowels; this means that technically the original Old Testament does not say God, but G-d ( God written without vowels). The Old Testament is just a book of sorcery, and is not based on God. I repeat, the original Old Testament is written without vowels and is not based on God.
You cannot say it is based on God, because the original Old Testament does not say God, it says G-d; if others added vowels to the derived copies of this Bible book, it would make it a blasphemous book ( but not only that, it would also be a book of sorcery as well).

The original Old Testament contains no vowels or punctuation and cannot be read, the original Old Testament was interpreted; so an interpreted book from inside the house of the Pharaoh says: G-d says to not understand, cause drought and destroy plants. And this book is being given to children. The Old Testament/Bible is not based on God and is false.
So technically, the original Old Testament which is written without vowels or punctuation doesn’t say anything.
Adding vowels and punctuation to the original Old Testament/Torah scroll makes it invalid.
The original Old Testament/Bible is not based on God, but G-d, therefore, the Old Testament/Bible is false. God and G-d are not the same thing.
A little denial is normal, but it is obvious that God does not need you to bless God. Praying in a rational manner there is no error.
__________________________________________________________________________________________________________________________
Share the article link, educate, suggestions, groups on social media( facebook), news stations( a story where the Pharaoh tricks people into causing drought is of interest to the public. I ask news stations to be impartial, I remind you, the Church is separate from the State).
If this were a fictional movie, you would have already seen it at the box office, I know you love fictional movies.
You can call it “Mummy 4 the time I loved drought and complained about it, a lot.
You played with a book from inside the house of the Pharaoh, that’s what happened.
Feel free to share the article with your local church, and not so local church ( email, Instagram message, facebook message).
Copy and paste the following to share article:
S.O.S MOST IMPORTANT NEWS RIGHT NOW!! Article “Origin of the Bible”, Bible False, originally from ancient Egypt, from inside house of pharaoh. RESPONSIBLE for DROUGHT. EMERGENCY.
share article,
make it viral
( paste article link here)
_________________________________________________________________________________________________________________________
Please don’t be the typical cult, if a book is false, then it can be proved false, there is the rational prayer.
Important Message: Discovery Bible originally from inside the house of the Pharaoh. I repeat, Discovery Bible originally from inside the house of the Pharaoh. Bible False, Important. Contact the Church. Drought is not a laughing matter. The destruction of plants is not a laughing matter.
If the Old Testament/Bible were false, how long should it take to be known. Drought is not good.
Note: Is it valid to pray in a rational manner? That’s a rhetorical question, of course it is valid to pray in a rational manner.
If you say no, it is not valid to pray in a rational manner, who benefits? Only corruption.
Bonus:
Prayer( as mentioned before, not even the Jewish religion believes in the New Testament, the New Testament is not validated by the Jewish Religion):
God, if the New Testament is true, then Jesus is the son of God, amen.
According to this prayer, you cant accuse one of anything.
I declare the Old Testament/Bible void and obsolete; it should take a year, plus or minus for it to be known. Someone “famous” ties their shoe and everyone knows in 5 days. If the Bible were false, how long should it take to be known. Drought is not good. Dec/15/2020.
_________________________________________________________________________________________________________________________
Note: Apocrypha books, unvalidated books added to the Roman Catholic Bible.
Prudent prayer: God, if the Roman Catholic Bible is not true, I do not believe in the Roman Catholic Bible, amen.

A peaceful protest would be good, the Roman Empire and ancient Egypt should be exposed for their corruption.
Note: The religion of Islam ( Abrahamic religion, but not validated by the Jewish religion) is based on the Old Testament, if the Old Testament is false, then the religion of Islam is false.
The Mormon religion/book of Mormon, is an Abrahamic religion, but is not validated by the Jewish or Christian religion.
_________________________________________________________________________________________________________________________

If the Old Testament/Bible turned out to be false, what is the protocol, what is the plan? Is it to continue to cause drought due to a book from ancient Egypt? So there is no plan by the Church, that is not very responsible of the Church. Contact the Church, pray in a rational manner.

This is nothing personal, people sometimes make mistakes. If by error, you accidentally joined a false religion, how are you going to separate yourself from such false religion? Very simple, a simple prayer:
God, I do not believe in any religion that is false, thank you.

_________________________________________________________________________________________________________________________

It would be good to make a Religion that is based on God.
God refers to the Creator of Life and the Universe.
This Religion based on God is not an Abrahamic Religion, and is not based on the Old Testament.
The word God is not exclusive of Judaism ( Old Testament G-d) or Christianity.
It would be good to make a Religion that prays and gives thanks to God, God is good.
It would be good to have a place to share good things, a place to share friendship.
No Religious book should promote the destruction of plants or cause drought.
God, I believe in you, thank you.
Creator of the Universe and Life, I believe in you.
God forgives us.
I ask God for forgiveness.
I thank God.

-Theology refers to the study of God.( Theology is not exclusive of Judaism or Christianity).
I ask Theologians to be impartial, not understanding is not accepted in Theology. There is the rational prayer.
__________________________________________________________________________________________________________________________
It’s a not common case, this prayer should not offend you:
God, I do not believe in any religion that is false, thank you.
Amen = so be it. thank you = thank you
If you would like to translate the article to another language , feel free to do so, just leave original article as reference.
___________________________________________________________________________________________________________________________
Original article post was taken down due to a Reddit server error. This is a repost.
This is an S.O.S, the Bible turned out to be false and from ancient Egypt, responsible for drought.
Please save, share, repost Article; sometimes server errors occur.
submitted by anonymous212231 to u/anonymous212231 [link] [comments]


2024.05.14 06:41 Confident-Hat5570 Not renewing a lease

Me (22 F) and my roommate (21 F) have been living together since January 2023.
We lived with several other people in a college house then decided to get our own apartment together. We are still great friends with the past roommates.
So far it’s been great until recently. It’s been 9 months in the apartment with little to 0 issues. As of late, there has been instances where I’m having trouble speaking up for myself in fear of making her upset. I typically clean everything in the apartment and take out trash and recycling. This past weekend, there was a friend staying with us for the weekend. So, I do get it, the place will be a wreck for the few days she’s here and that is fine. However, she has now left and the place is still a wreck. Specifically the bathroom. I texted my roommate asking if she could please clean the toilet sometime today or tomorrow because there is spots of puke in it.
She then asks if im mad at her. I say no, the bathroom is just gross and I don’t want to clean it. I’m then told I’m being extremely rude. This interaction has been driving me crazy because after any of these tiffs we had in the past, I get the silent treatment afterwards. It’s now been 24 hours since the text, and the bathroom is still gross. However she’s talking to me like nothing has happened. It’s hard because the boundaries have never really been in place due to best friends living together. I decided recently to get a door handle for my bedroom that locks so I can lock it while I am gone on the weekends. When she tried to go into my room and it was locked, she told me it upset her. I am always willing to share stuff, but I just appreciate being asked first. When the first was staying here, they used my air mattress, my sheets, my pillow cases, and my blankets without asking me. The friend also brought a guy home one night as well so I came home to a random man asleep in my living room. I get it, we’re in our twenties, but I’d just appreciate a heads up.
So here lies the problem : we originally planned on staying here for two years. Our lease is up July 31st. I am now looking for a studio apartment for myself because I do admit I am a bit of a clean freak but I am just tired of cleaning up the other messes every single day. I have applied for a new apartment two towns away, which is closer to my job and family. We have been best friends since the day we met, and I’m terrified to tell her I will not be renewing the lease. She will not be able to afford the apartment on her own so she will need to move out as well. Her immediate family is out of state. I want our friendship to be intact but I don’t know how to tell her without making her hate me. Any advice ??
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2024.05.14 06:39 paris_breast i messed up and blew up / reacted in anger to my narc older sister and i feel so troubled

it's my first time posting here so please bare with me. i started becoming aware that my sister wasn't someone i could "win" against or prove a point to about 4 years ago. in therapy i talked about trying to disengage and grey rock her while still maintaining a relationship because cutting her off didn't feel right.
most of the time, interacting with her leaves me so confused. i will admit i handle it badly and i have no idea what to do because it feels like no matter how much i prepare for it and tell myself to keep a level head, i reach a point where i explode and start yelling things that don't make sense to even me. i feel so stupid after like im surrounded by an ongoing wreckage that i caused
she has so many expectations for me that are entirely impossible to meet. i used to feel bad and upset with myself for not being what she wanted and scared of her disappointment, now i just feel angry that it's being imposed on me
i'm angry that im always compensating for her feelings and jumping hurdles to avoid fights in the house. i'm fed up with hearing her monologues about how much she's done for me my whole life and how terribly i've treated her.
i know i need to calm down in order to get to tomorrow, the real problem is how i messed up tonight. she's graduating from grad school in two days. we (other sister and i) asked her if she'd like to find a place to eat 2-3 weeks ago and her response was she wasn't sure what she wanted, she felt it would be a hassle, and she couldn't decide. cue us telling her it's her decision and we'd like to celebrate her however she'd prefer. we'd go in circles, i know she seeks validation and will never be satisfied with how much i'm willing to give before i feel like a sheep. each time we asked it was the same answer. yesterday we agreed to a meal after the ceremony but not on a place. we said she should pick a place and we'd make the reservation. today i'm texting her restaurants to choose from. the added issue is who pays for the meal because she's currently unemployed and my mom is also low income so they will split it.
planning a reservation for a large group comes with its own issues and those could've been handled but it started to feel impossible when she started saying "i just thought you guys would handle it after you said you would last night but now it feels like it's falling on me." after telling her that there's a miscommunication here because we only said we'd book the reservation after a place was decided, she brought up feeling disappointment and uncared for 6 more times. that's when i exploded and said that this was ridiculous and started arguing. the only way she would've stopped repeating that is if i had apologized for not doing better. she says she was so happy that we took the responsibility and stepped up for once, that she was bragging to best friend about it today
according to my other sister, narc sister is mostly now upset that i yelled and threw my feelings at her. i know 100% that for years now she'll be saying i ruined her graduation and that we as a family have never treated her well and that for all my graduations she did everything a big sister should do to make me happy
im so fed up truly i feel lost and deranged and like im hallucinating. i drafted a text to send in the morning apologizing for lashing out but i'm dreading having to see her in the morning and hear her dry responses that see no issue in how she expected us to be mind readers and take full control of the planning
submitted by paris_breast to raisedbynarcissists [link] [comments]


2024.05.14 06:39 darkeagle03 Can we add household members to our car insurance temporarily in FL?

Hopefully there's some FL insurance brokers in here that can help answer a weird situation for me. I don't want to ask my broker because I don't want to find out afterward that I put him in a position of having to report something.
We have some family members living with us that just came from another country and got their green card. They've only been here a short time and are still going through the integration process, including hopefully getting FL drivers licenses in the next couple weeks.
In mid-June my immediate family will be going away for a month, leaving just the recently arrived relatives in our house. Ideally (I think), we would like to add them to our car insurance policy while we're out of town; then after we get back, sign the documentation stating that even though they live with us, they will not drive our cars anymore, so we can remove them from the policy. FWIW, this would be the truth. The plan is that once they have jobs for a bit they'll be getting their own car and policy, and we'll drive them until that's feasible.
So, is that a thing that can be done? Or once they're on our policy, are we unable to remove them before they move out?
submitted by darkeagle03 to Car_Insurance_Help [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 06:37 UNDERdecoded Michigan Prevent the Passage of SB632 to Protect Payday Loans

Michigan Prevent the Passage of SB632 to Protect Payday Loans
At the moment if a customer loans $600 dollars and reloans every 2 weeks for a year, the amount they’ve loaned comes out to $15,600. With that they would have only paid $2,000 in fees which comes out to 12.8% of what they loaned. This is cheaper than most bank loans especially when you account for the fact that it doesn’t accrue interest if you can’t pay for some reason it’s more beneficial to those struggling. Also if your check ever returns payday lenders are very understanding and work out payment arrangements for $20-$50 per pay period to avoid court. The only growth of the amount you owe is if your check returns and that is a one time 31.14 cent check return fee. Banks also generally aren’t approving the person for a loan and that’s why they’re coming to a payday lender. Every payday loan customer has a bank account so in general they’ve most likely tried every avenue beforehand. I don’t know about your credit card rates but mine are sitting above that, many in the range of 20% or more and payday loans have been a helpful tool in my families times of need. Focusing on the APR when it comes to payday loans is ludicrous and deceptive because payday loans don’t accrue interest, they charge a one time fee between 12.8%- 16% of the loaned amount. (MAX Loan $600; up to 2 Statewide)
An Example Of What Happened When Illinois Passed an Identical Bill “Interest Rate Caps in Illinois: In March 2021, Illinois Governor J.B. Pritzker signed the Predatory Loan Prevention Act into law, capping interest rates at 36% for consumer loans, including payday and car title loans. This legislation was modeled after the federal Military Lending Act, which also protects active service members and their dependents by imposing a similar rate cap. Prior to this law, payday loans in Illinois carried an average annual percentage rate (APR) of 297%, while auto title loans had APRs around 179%1. By implementing the 36% rate cap, Illinois joined 17 other states and Washington, D.C., which say they do so in attempt to provide substantial protections to low-income communities targeted by predatory lending practices.
Foreclosure Rates in Illinois: Unfortunately, despite the "positive" impact on consumer loans, Illinois faced a surge in foreclosures. In October 2021, about one in every 1,923 homes in Illinois was in foreclosure, representing an 182% increase from September and nearly triple the number from October 2019. Most of these foreclosures occurred in Chicago, where the unemployment rate was higher than the national average. In summary, while the interest rate cap has positively impacted consumer loans, Illinois still faces challenges in its housing market. The state’s efforts to strike a balance between protecting borrowers and maintaining access to credit remain a topic of ongoing debate.” Payday Loans are an Essential Business As a customer service provider within a payday loan company and as someone who grew up in a low-income household that has regularly utilized these services, I understand the importance of payday loans in our society. These loans provide crucial financial support for many families in Michigan, including my own. The proposed bill SB632 threatens the existence of such services, which could have devastating effects on those who rely on them.
Payday loans are often the only option for individuals who do not have access to traditional banking services or are living paycheck to paycheck. According to data from the Federal Deposit Insurance Corporation (FDIC), nearly 27% of households in America are underbanked or unbanked. This means they lack access to basic financial services that many take for granted. It also fails to take into account that some people just dont want to deal with banks.
If passed, SB632 will limit these already scarce resources further. This is not just about protecting an industry; it's about safeguarding a lifeline for countless families across Michigan.
We must raise awareness about this issue and contact our local representatives to voice our concerns against SB632. By doing so, we can protect payday loan services and ensure they remain available for those who need them most.
Please sign this petition and join us in standing up against SB632! Say No to SB632 contact your local representative today and tell them to vote no on SB632! Say No to SB632: Protect Access to Short-Term Lending As Michiganders, we understand the importance of having access to emergency funds when traditional banks may not provide loans. Payday loans have been a lifeline for many of us, preventing car repossessions, power shutoffs, and home foreclosures. Let’s stand together and say no to SB632, which threatens to eliminate this crucial resource. The Facts About Payday Loans: Debunking Misconceptions 1. Interest Rates and Fees: SB632 falsely claims that payday loans are predatory with exorbitant interest rates. However, payday loans don’t accrue interest like traditional bank loans. Instead, borrowers pay a one-time fee based on the loan amount (up to $600 per branch with a maximum fee of $77, limited to two loans statewide).
  1. Payment Plans: Life can throw unexpected challenges our way. If someone can’t repay their payday loan, most lenders are willing to work out a payment plan. Unlike traditional loans, there are no additional interest charges or fees during this process so long as you stay in touch, explain your situation and make an attempt to pay something each payday.
  2. Protection Against Scams: Payday lenders serve as a safety net, protecting countless people from online scams. Without them, where would these vulnerable individuals turn? Unfortunately, alternative support systems are scarce when banks deny loan approvals.
  3. Hidden Consequences: Passing SB632 could lead to unintended consequences. Desperate for funds, people might turn to online installment loans, paying back three times the borrowed amount over the long term. These loans often come with unmanageable monthly payments, pushing borrowers further into financial distress.
The Real Predators The true threat lies with those pushing SB632. By eliminating payday lenders without providing a viable replacement, they jeopardize hundreds of thousands of Michiganders’ accesses to emergency funds. Moreover, Michigan’s economy and job market, just beginning to recover, would suffer needlessly. Let’s protect what has worked for generations. Tell your representative to vote NO to SB632 and ensure that our fellow citizens have a safety net in times of need. 🌟💪
Feel free to share this message with your local representatives to advocate for responsible lending practices! 😊🗳️📜
submitted by UNDERdecoded to povertyfinance [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 06:33 UNDERdecoded Michigan Prevent the Passage of SB632 to Protect Payday Loans

Michigan Prevent the Passage of SB632 to Protect Payday Loans
At the moment if a customer loans $600 dollars and reloans every 2 weeks for a year, the amount they’ve loaned comes out to $15,600. With that they would have only paid $2,000 in fees which comes out to 12.8% of what they loaned. This is cheaper than most bank loans especially when you account for the fact that it doesn’t accrue interest if you can’t pay for some reason it’s more beneficial to those struggling. Also if your check ever returns payday lenders are very understanding and work out payment arrangements for $20-$50 per pay period to avoid court. The only growth of the amount you owe is if your check returns and that is a one time 31.14 cent check return fee. Banks also generally aren’t approving the person for a loan and that’s why they’re coming to a payday lender. Every payday loan customer has a bank account so in general they’ve most likely tried every avenue beforehand. I don’t know about your credit card rates but mine are sitting above that, many in the range of 20% or more and payday loans have been a helpful tool in my families times of need. Focusing on the APR when it comes to payday loans is ludicrous and deceptive because payday loans don’t accrue interest, they charge a one time fee between 12.8%- 16% of the loaned amount. (MAX Loan $600; up to 2 Statewide)
An Example Of What Happened When Illinois Passed an Identical Bill “Interest Rate Caps in Illinois: In March 2021, Illinois Governor J.B. Pritzker signed the Predatory Loan Prevention Act into law, capping interest rates at 36% for consumer loans, including payday and car title loans. This legislation was modeled after the federal Military Lending Act, which also protects active service members and their dependents by imposing a similar rate cap. Prior to this law, payday loans in Illinois carried an average annual percentage rate (APR) of 297%, while auto title loans had APRs around 179%1. By implementing the 36% rate cap, Illinois joined 17 other states and Washington, D.C., which say they do so in attempt to provide substantial protections to low-income communities targeted by predatory lending practices.
Foreclosure Rates in Illinois: Unfortunately, despite the "positive" impact on consumer loans, Illinois faced a surge in foreclosures. In October 2021, about one in every 1,923 homes in Illinois was in foreclosure, representing an 182% increase from September and nearly triple the number from October 2019. Most of these foreclosures occurred in Chicago, where the unemployment rate was higher than the national average. In summary, while the interest rate cap has positively impacted consumer loans, Illinois still faces challenges in its housing market. The state’s efforts to strike a balance between protecting borrowers and maintaining access to credit remain a topic of ongoing debate.” Payday Loans are an Essential Business As a customer service provider within a payday loan company and as someone who grew up in a low-income household that has regularly utilized these services, I understand the importance of payday loans in our society. These loans provide crucial financial support for many families in Michigan, including my own. The proposed bill SB632 threatens the existence of such services, which could have devastating effects on those who rely on them.
Payday loans are often the only option for individuals who do not have access to traditional banking services or are living paycheck to paycheck. According to data from the Federal Deposit Insurance Corporation (FDIC), nearly 27% of households in America are underbanked or unbanked. This means they lack access to basic financial services that many take for granted. It also fails to take into account that some people just dont want to deal with banks.
If passed, SB632 will limit these already scarce resources further. This is not just about protecting an industry; it's about safeguarding a lifeline for countless families across Michigan.
We must raise awareness about this issue and contact our local representatives to voice our concerns against SB632. By doing so, we can protect payday loan services and ensure they remain available for those who need them most.
Please sign this petition and join us in standing up against SB632! Say No to SB632 contact your local representative today and tell them to vote no on SB632! Say No to SB632: Protect Access to Short-Term Lending As Michiganders, we understand the importance of having access to emergency funds when traditional banks may not provide loans. Payday loans have been a lifeline for many of us, preventing car repossessions, power shutoffs, and home foreclosures. Let’s stand together and say no to SB632, which threatens to eliminate this crucial resource. The Facts About Payday Loans: Debunking Misconceptions 1. Interest Rates and Fees: SB632 falsely claims that payday loans are predatory with exorbitant interest rates. However, payday loans don’t accrue interest like traditional bank loans. Instead, borrowers pay a one-time fee based on the loan amount (up to $600 per branch with a maximum fee of $77, limited to two loans statewide).
  1. Payment Plans: Life can throw unexpected challenges our way. If someone can’t repay their payday loan, most lenders are willing to work out a payment plan. Unlike traditional loans, there are no additional interest charges or fees during this process so long as you stay in touch, explain your situation and make an attempt to pay something each payday.
  2. Protection Against Scams: Payday lenders serve as a safety net, protecting countless people from online scams. Without them, where would these vulnerable individuals turn? Unfortunately, alternative support systems are scarce when banks deny loan approvals.
  3. Hidden Consequences: Passing SB632 could lead to unintended consequences. Desperate for funds, people might turn to online installment loans, paying back three times the borrowed amount over the long term. These loans often come with unmanageable monthly payments, pushing borrowers further into financial distress.
The Real Predators The true threat lies with those pushing SB632. By eliminating payday lenders without providing a viable replacement, they jeopardize hundreds of thousands of Michiganders’ accesses to emergency funds. Moreover, Michigan’s economy and job market, just beginning to recover, would suffer needlessly. Let’s protect what has worked for generations. Tell your representative to vote NO to SB632 and ensure that our fellow citizens have a safety net in times of need. 🌟💪
Feel free to share this message with your local representatives to advocate for responsible lending practices! 😊🗳️📜
submitted by UNDERdecoded to Petition [link] [comments]


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