Usda home loan rejection

USDA Home Loan & USDA Rural Home Loan

2010.03.08 06:22 usdahomeloan USDA Home Loan & USDA Rural Home Loan

[link]


2024.05.19 22:41 xpyder1 My boss is making my life hell

I (F20) am a foreign worker in Middle East, currently I am in university completing my bachelor’s. My university is mostly online, so I thought why not get some experience in another country? Long story short, I left my country and starting working in another. At first, I really liked my job. I was working as a receptionist, although I was bullied a lot, I was determined to survive and make something out of myself, as I was 19 at that time and working in a foreign country was a dream come true. Slowly, I started seeing red flags. As my company used to twist and turn rules all the time. If the government asked the company to decrease the hours and make them 6, my company would make it 7 by finding a loophole. By Government, it is a must that every employee is provided a health insurance, but guess what? I was never provided one. By law, the break should be 1 hour, but I had only 45 minutes. They even decrease the number of national holidays for employees. Tbh, it’s a very small company so no one have the guts to complain but a lot of people left during this whole period. It’s been 1/5 years since I’m working here, recently while coming to work I tripped and hurt myself. I couldn’t go to work for 2 days and a lot of work was compromised. But, my boss was like I’m okay with it because he could see the bruises and the swelling in my foot. I can’t afford health check up here, as I earn like an average salary and rents too high plus my tuition fees so I requested my company for insurance and waited almost 7 days for it. After getting the insurance, I went to the clinic and it turns out I suffered bone trauma and my ligament was damaged and that’s why I was feeling terrible pain and was unable to walk properly. Anyways, my boss usually verbally abuses me, calls me name, reaches out to be outside of my working hours, makes me do his personal work as well and underpays me (Not just me though, there’s one more person and he got it worst than me) was nicer than usual because of this injury. After my visit to the clinic, I went to work and as soon as I entered my boss’s office he asked me to cut the act and stand straight? (Which I was unable to because I was in pain and doctor advised me not to put pressure on my leg as my bones got some tenderness) I was dumbfounded, and then proceeded to call me names such as an actress and God knows what not. (Additionally My boss is a M42, he always commented on my height, and how fat women aren’t attractive and how fair women are prettier & I always felt so uncomfortable.) I told him I was hurt and I have government issued 6 days sick leave, he was like that means you will be working from home. I told him that no that would be working from home not sick leave. Anyways, he made fun of me and had a lot of mean comments about me, and told me to go home. While I was leaving I asked my manager where I can drop my sick leave and to my shock my boss said there’s no need to submit a sick leave to my manager as they reject my sick leave and I will be working from home. At that time I didn’t say anything because I knew it was useless but as soon as I got home I planned that I will not work from home as I do need to pay govt a fees for these sick leaves and these leaves meant that I can rest without working which I desperately needed. Around the time I was supposed to be clocked in, I informed my boss that I will not be working from home and I have proper sick leave for it. Fast forward to the afternoon I get a call from my manager saying that those days which I will not show up to work will be considered unpaid as I am not working? As per the instructions of my boss. Which is totally unfair because sick leaves are fully paid leaves? I have a good relation ship with my manager he proceeded to tell me that my boss called me names such as a mother Tucker and sister Tucker and worst and said that I’m abusing their kindness?? I want to quit so bad, but I can’t as I need to get a loan from a bank and a bank will only give you loan if you are working at a company from longer than 6 months and I desperately need that money so that I can pay my tuition in an Australian university and move there. It’s my dream, and the only reason I am waiting for the loan is that bank only gives loan to 20+ years old adults and I will turn 20 on 2nd of June. It may seem really close but believe me every minute at work is emotionally physically and mentally challenging and I am very close to giving up I just can’t take it anymore and I feel so messed up as I have fallen into anxiety and depressed and I cry all the time. I have no idea what to do and I would really appreciate some advise on how to handle this situation.
Please note that other than the loan thing I have no means to afford education in Australia so that’s why I am waiting and I have been waiting for the time I can get the loan.
submitted by xpyder1 to ManagedByNarcissists [link] [comments]


2024.05.19 22:41 real_cosmo_kramer Am I missing out by not buying a flat

31M , living in Bengaluru, married with 1 kid , 1 yo Take home after tax : 2.75L my portfolio is as follows All in lakhs
Stocks -2.5
MF - 25
Fd - 11
Epf - 4.6
Ppf - 6.4
Nps - 3.2
Sgb - 2
ESOP - 3
Total NW ~ 58
Everyone around me is buying flats(yes some are taking the 2nd home loan ) in tier 1 cities Bengaluru Hyderabad Pune,
I am not sure of other markets but for some reason I don't feel confident buying flat here in Bengaluru , I pay 40k total for accomodation, living very close to office.
Am I missing out by not buying one? I (family) have a house in t2 City.
My goal is to be financially independent , don't plan to retire but work without being tensed or insecure. Kindly advise. 🙏
submitted by real_cosmo_kramer to personalfinanceindia [link] [comments]


2024.05.19 22:41 NewYorkMetsBot2 POST GAME THREAD: The Mets defeated the Marlins by a score of 7-3 - Sun, May 19 @ 01:40 PM EDT

Mets @ Marlins - Sun, May 19

Game Status: Game Over - Score: 7-3 Mets

Links & Info

Mets Batters AB R H RBI BB K LOB AVG OBP SLG
1 Lindor - SS 4 2 2 0 0 1 1 .197 .273 .355
2 Alonso - 1B 5 0 1 0 0 1 4 .229 .305 .453
3 Nimmo - DH 4 2 1 2 1 2 2 .217 .363 .414
4 Stewart, D - RF 3 1 1 0 0 0 1 .208 .374 .403
a-Marte, S - RF 1 1 0 0 0 0 1 .265 .315 .376
5 Taylor, T - LF 5 1 2 2 0 2 0 .260 .280 .375
6 Baty - 3B 3 0 1 1 2 0 0 .235 .303 .326
7 McNeil - 2B 5 0 1 0 0 0 6 .238 .315 .306
8 Bader - CF 4 0 2 2 0 2 2 .280 .321 .333
9 Narváez - C 4 0 1 0 0 0 3 .164 .193 .200
Totals 38 7 12 7 3 8 20
Mets
a-Lined out for Stewart, D in the 7th.
BATTING: 2B: Taylor, T (5, Sánchez, S); Alonso (10, Sánchez, S). HR: Nimmo (7, 9th inning off Bender, 1 on, 2 out). TB: Alonso 2; Bader 2; Baty; Lindor 2; McNeil; Narváez; Nimmo 4; Stewart, D; Taylor, T 3. RBI: Bader 2 (12); Baty (15); Nimmo 2 (29); Taylor, T 2 (16). 2-out RBI: Baty; Bader 2; Nimmo 2. Runners left in scoring position, 2 out: Narváez; Stewart, D; Marte, S; McNeil. Team RISP: 4-for-12. Team LOB: 9.
Marlins Batters AB R H RBI BB K LOB AVG OBP SLG
1 Chisholm Jr. - CF 4 0 0 0 0 2 1 .254 .330 .424
2 De La Cruz, B - LF 4 0 1 0 0 2 0 .260 .308 .448
3 Bell - DH 4 0 1 0 0 0 1 .229 .313 .369
4 Burger - 1B 4 0 0 0 0 1 1 .171 .205 .286
5 Rivera, E - 3B 1 1 1 0 2 0 0 .210 .301 .235
a-Gordon - 2B 1 0 0 0 0 1 0 .233 .262 .397
6 Lopez, O - 3B 4 0 2 0 0 1 1 .300 .345 .540
7 Myers - RF 4 1 1 2 0 2 4 .269 .367 .462
8 Bruján - SS 4 0 1 0 0 2 4 .266 .337 .404
9 Bethancourt - C 3 1 1 1 0 0 0 .143 .186 .232
b-Sánchez, J - PH 1 0 0 0 0 0 1 .222 .277 .294
Totals 34 3 8 3 2 11 13
Marlins
a-Struck out for Rivera, E in the 8th. b-Flied out for Bethancourt in the 9th.
BATTING: 2B: Bell (7, Manaea). HR: Myers (1, 2nd inning off Manaea, 1 on, 1 out); Bethancourt (1, 7th inning off Diekman, 0 on, 0 out). TB: Bell 2; Bethancourt 4; Bruján; De La Cruz, B; Lopez, O 2; Myers 4; Rivera, E. RBI: Bethancourt (5); Myers 2 (7). Runners left in scoring position, 2 out: Burger; Chisholm Jr.; Bruján 2. Team RISP: 0-for-6. Team LOB: 7.
FIELDING: Outfield assists: De La Cruz, B (Bader at 3rd base).
Mets Pitchers IP H R ER BB K HR P-S ERA
Manaea (W, 3-1) 5.0 5 2 2 1 4 1 95-67 3.11
Reid-Foley (H, 3) 1.0 1 0 0 1 2 0 23-15 1.54
Diekman (H, 4) 1.0 1 1 1 0 1 1 14-10 3.45
Garrett, R (S, 2) 2.0 1 0 0 0 4 0 34-24 0.72
Totals 9.0 8 3 3 2 11 2
Marlins Pitchers IP H R ER BB K HR P-S ERA
Sánchez, S (L, 0-2) 4.0 6 4 4 2 2 0 85-54 6.41
Nardi 1.0 0 0 0 0 2 0 15-11 5.79
Smith, B 1.1 2 0 0 0 1 0 17-14 3.68
Puk 1.1 0 0 0 1 1 0 25-17 7.71
Bender 1.1 4 3 3 0 2 1 22-15 6.52
Totals 9.0 12 7 7 3 8 1
Game Info
WP: Sánchez, S; Puk.
HBP: Lindor (by Sánchez, S); Marte, S (by Bender); Chisholm Jr. (by Diekman).
Pitches-strikes: Manaea 95-67; Reid-Foley 23-15; Diekman 14-10; Garrett, R 34-24; Sánchez, S 85-54; Nardi 15-11; Smith, B 17-14; Puk 25-17; Bender 22-15.
Groundouts-flyouts: Manaea 7-3; Reid-Foley 1-0; Diekman 0-0; Garrett, R 1-1; Sánchez, S 4-4; Nardi 1-0; Smith, B 1-2; Puk 2-0; Bender 2-0.
Batters faced: Manaea 21; Reid-Foley 5; Diekman 4; Garrett, R 7; Sánchez, S 20; Nardi 3; Smith, B 6; Puk 5; Bender 9.
Inherited runners-scored: Puk 1-0; Bender 1-0.
Umpires: HP: Jansen Visconti. 1B: Paul Clemons. 2B: Andy Fletcher. 3B: Mike Muchlinski.
Weather: 72 degrees, Roof Closed.
Wind: 0 mph, None.
First pitch: 1:40 PM.
T: 2:59.
Att: 19,946.
Venue: loanDepot park.
May 19, 2024
Inning Scoring Play Score
Top 1 Tyrone Taylor doubles (5) on a sharp line drive to center fielder Jazz Chisholm Jr. Francisco Lindor scores. Brandon Nimmo scores. DJ Stewart to 3rd. 2-0 NYM
Top 1 Harrison Bader singles on a sharp line drive to center fielder Jazz Chisholm Jr. DJ Stewart scores. Tyrone Taylor scores. Brett Baty to 2nd. 4-0 NYM
Bottom 2 Dane Myers homers (1) on a fly ball to left field. Emmanuel Rivera scores. 4-2 NYM
Bottom 7 Christian Bethancourt homers (1) on a fly ball to right field. 4-3 NYM
Top 9 Brandon Nimmo homers (7) on a fly ball to right center field. Francisco Lindor scores. 6-3 NYM
Top 9 Brett Baty singles on a ground ball to right fielder Dane Myers. Starling Marte scores. Tyrone Taylor to 3rd. 7-3 NYM
Team Highlight
NYM Harrison Bader hits a two-run single (00:00:24)
MIA Otto Lopez makes a nice diving play (00:00:27)
MIA Sixto Sánchez strikes out Francisco Lindor (00:00:06)
NYM Sean Manaea strikes out four vs. the Marlins (00:00:54)
MIA Christian Bethancourt's solo home run (1) (00:00:27)
NYM Starling Marte makes a sliding catch (00:00:15)
NYM Francisco Lindor singles on a line drive to center field (00:00:12)
NYM Brandon Nimmo's two-run home run (7) (00:00:21)
NYM Brett Baty's RBI single (00:00:16)
NYM Reed Garrett seals Mets' win vs. Marlins (00:00:06)
1 2 3 4 5 6 7 8 9 R H E LOB
Mets 4 0 0 0 0 0 0 0 3 7 12 0 9
Marlins 0 2 0 0 0 0 1 0 0 3 8 0 7

Decisions

Division Scoreboard

WSH 5 @ PHI 11 - Final
SD @ ATL 07:10 PM EDT
Next Mets Game: Mon, May 20, 06:10 PM EDT @ Guardians (1 day)
Last Updated: 05/19/2024 04:46:15 PM EDT
submitted by NewYorkMetsBot2 to NewYorkMets [link] [comments]


2024.05.19 22:39 Caroce116 I think I am in love with my best friend but Im not sure what to do

(Im sorry if my english is bad) For starters me (19M) and my best friend (18M) have known eachother since birth. We are both in a friend group that resulted from all of our parents being friends with eachother. The group consists of us two, another guy (19M) and two girls (18F) and (19F). We all grew up very close in Russia, however I am ukrainian. We went to school together, went on vacations together and generally were all doing everything together. Not long ago, when picking out collages, my best friend was telling me about how he wishes he could stay in Russia and how he cant because of some reasons I will not share here, and so naturally I offered that I could go to college with him in another country. Fast forward a few months later we both got into a pretty good collage in Finland. Now about our backround basically my best friend is very close with one of the girls in the group but they both stated that they do not like eachother and if you ask me, they didnt seem to have any kind of spark between eachother. However he was also very close to the other guy in the group. By close I mean that they literally acted like a couple. Whenever we would have school summer camps they would share a bed and sometimes I would even catch them cuddle, they would hug a lot etc. and generally make a lot of jokes about being gay for eachoter and liking eachother. You should know that my best friend is extremely handsome, I mean like model handsome. He is tall, not too muscular and not too skinny, pale skin, green eyes, soft blonde hair and very beautiful features. He looks so beautiful from every single angle, he looks beautiful while he sleeps, when he laughs, when he cries and is probably the most beautiful person I have ever met in my entire life. Despite that, he has never been in a relationship. A lot of girls have liked him in the past but he rejected them and he is pretty popular on social media and gets praised for his looks online as well. Aside from his looks he is also very smart. He is passionated about history and linguistics, he is good at maths and in general he is a very cultured person. He is very kind, funny, loving and has this sensitive side that he doesnt show too often. He just lights up the room everytime even though he is not that kind of positive and happy person you would imagine. He has gone through a lot in his childhood, things that I will not mention. On his 18th birthday, some things happened and I was lucky enough to be in time to stop them, which resulted into him bursting in tears in my arms and telling me how he feels about his life. A lot of time has passed since that event. Now we share an apartament here in Finland and go to college together. He seems happier, or maybe since he doesn’t spend that much time alone anymore he is just distracting himself from all the things he was going through. It is currently risky for me to go back in my home country and so I usually just go to Russia together with him on holidays. I am really enjoying all the time spent with him and I have never felt happier for such a long period of time. Recently he started hanging out with another guy from the same college and not going to lie but I feel kind of jealous. Since then I started to question my feelings for him. I never pictured myself or him actually being gay, let alone together in a relationship. I feel scared and nervous. My mother and her boyfriend will definitely hate me more than they already do and my father will probably think Im a disappointment. I feel as if I am betraying my religion and my identity but at the same time I feel so happy with this man. And here comes the biggest problem of all, what if after all he isnt gay and I will ruin our friendship. Yesterday night he went over to the new guys house.The guy likes him, he told me, asking for advice and more things about my best friend. I was kind of mad that I didnt get invited too, especially when he knows how close we are. Before going, I acted kind of rude towards him, which I regret, but he brushed it off and just left. Later at night when he came home, I was already in bed, pretending to sleep. I heard him change and get straight into his bed. A few moments later he started crying. He was crying very badly and I could tell he was trying to keep quiet. I dont know if anything happened there or if he was crying about my response or about his past because I simply didnt get up or have any kind of reaction, which again, I regret. I tried talking to him today in the morning, I didnt tell him I heard how he cried, I just acted normal, and although he wasnt his usual self, he didnt act sad or anything. I dont know wether I should or should not ask him about last night. And most importantly I dont know if I should tell him about my feelings for him and explain the situation.
submitted by Caroce116 to DatingHelp [link] [comments]


2024.05.19 22:35 saturnotaku Gigabyte Aorus 16X review: Loud fans + poor software almost ruin otherwise decent laptop

Gigabyte Aorus 16X review: Loud fans + poor software almost ruin otherwise decent laptop
Disclosure Statement: The laptop reviewed here was sent to me free of charge through the Amazon Vine program. All opinions are my own. I was not otherwise compensated nor has anyone other than Amazon reviewed or approved this content before posting.
Specs: Core i7-14650HX 32 GB RAM GeForce RTX 4070 1 TB SSD 2560x1600 165 Hz display Windows 11 Home
TL;DR: It's the title, basically. The look and feel of this gaming laptop is good, but because of unoptimized software and fans that can get extremely loud when gaming, it's not one I can recommend unless available at a significant discount.
Design/Build/Ports: The 2024 update to the Aorus line brings a nice, clean look with the deep blue finish a particular highlight. The metal and plastic chassis has a quality feel. The side air exhaust vents unfortunately push the ports toward the front of the laptop, which can be awkward. On the left from back to front are the power input (240W with a nice, compact adapter), Ethernet, HDMI 2.1, USB-A 3.2 10 Gbps, and a USB-C Thunderbolt 4 port that supports up to 100W of power delivery. The right has USB-A 3.2 10 Gbps, a second USB-C that's 3.2 10 Gbps with DisplayPort video out, microSD card reader, and headphone/microphone combo jack. Removing the bottom panel reveals two upgradable memory and M.2 storage slots, along with a Wi-Fi 7 card.
One particularly unusual thing about this laptop is how the display outputs are wired. Both USB-C ports are wired to the integrated graphics so HDMI is the only way to bypass Optimus. The laptop has a MUX switch and if you set it to the dGPU, video out via Type-C is disabled.
Screen/Keyboard/Touchpad/Speakers: At 2560x1600 resolution and a 165 Hz refresh rate with G-Sync and Advanced Optimus, the screen is sensible for the hardware. From what I’ve read, it’s pretty much the same panel that was in the 2021 Legion 7. I don’t have the tools to do an exact measurement, but those who do report 100% sRGB color gamut coverage and around 70-80% of AdobeRGB and DCI-P3. So it’s more than sufficient for gaming, but content creators who do color-critical work will want to look elsewhere.
Keyboard feel is just OK – better than most Acer and Razer laptops but well below Alienware, Asus, or Lenovo. Key travel is sufficient, but the bottom out sensation is rather mushy. Backlighting is separated into zones rather than per-key, which is disappointing given the somewhat premium pricing. There’s also lighting on the back that projects the Aorus logo, which I find pretty tacky. There’s no numpad but a row of dedicated home, end, page up, and page down keys on the right side. I appreciate having them, but this means the trackpad is off-center. Speaking of the trackpad, the glass finish is very smooth. It’s easy to manipulate and accurate. Because it’s off-center from the keyboard, it needs to have excellent palm rejection, and for the most part it’s true. I’ve had a few instances where I could see the mouse cursor move while typing, but it wasn’t enough to be a bother.
The speakers are just sort of there – reasonably loud but practically no bass. They’re fine in a pinch, but you’re going to want to use headphones whenever possible.
Software/Performance/Battery Life: This is where the Aorus 16X ultimately falls apart. It starts with the Gigabyte Control Center (GCC), the main software hub for the laptop. I’ve owned gaming laptops from most every manufacturer and can say with confidence that GCC is far and away the worst. It’s confusing/hard to use and bloated with unnecessary junk like stable diffusion image generation. What’s worse is pretty much everything you’d want to do in terms of controlling things like the power profile, display refresh rate switching when running on battery power, and more are completely reliant on the software. Other gaming laptops like the Lenovo Legion offer simple keyboard shortcuts to do these things without needing to touch the software. That’s not the case with the Aorus. Changing power modes requires opening the software, navigating menus, and several mouse clicks. Even being able to right-click the system tray icon to do this would be welcome.
As for what this laptop is like to game on, my feelings are mixed. While the hardware can deliver solid performance, the fan noise is what will likely be a deal-breaker for most. Of course, putting high-performance components into a cramped space will generate a lot of heat that has to go somewhere, but other laptops can manage this much better than the Aorus.
I tested Cyberpunk 2077 at 1080p ultra settings but with no ray tracing or upscaling. In the “normal” performance mode, I saw minimum and average frame rates of 60 and 75, respectively. I recorded the fans at 54 decibels sitting about 2 feet from the laptop, but their high-pitched nature made it seem like they were much louder than that. The maxed out “gaming” power profile increased frame rates to a 74 minimum and 89 maximum with the fans screaming at 58 dB. Dropping to the “power saving silence” option reduces the game to 49 fps minimum and 60 average, but fan noise is just 45 dB. So while it’s absolutely playable in the power saver mode, you’re leaving quite a bit of performance on the table, which kind of defeats the purpose. In the 3DMark stress test, the laptop got a passing grade of at least 99% across all performance profiles.
For everyday use, as long as you keep it in the power saver mode, the laptop generally stays quiet, though the fans will spin up from time to time. Battery life is anywhere from 4-5 hours of web surfing, office, and video streaming with the display at 30 percent brightness and the refresh rate at 60 Hz. The left USB-C port allows for charging at up to 100W so for light use or for topping off the battery so you won’t need to bring the stock 240W adapter with you if you don’t need the laptop’s full power.
Overall, the Aorus 16X is a laptop I wanted to like, but the excessive fan noise and terrible software make it difficult to recommend over comparably priced offerings from other manufacturers. Unless it’s available at a deep discount, you’ll be better off looking elsewhere.
submitted by saturnotaku to GamingLaptops [link] [comments]


2024.05.19 22:29 GiversBot /u/rumblefishfigher28 [REQ] was deleted from /r/borrow on 2024-05-19 (t3_stxy9g up 823.23 days, LONGTAIL)

rumblefishfigher28 deleted from /borrow

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[REQ] ($900) (#Middlebury, CT, USA) (repay 3/31/22) (Cashapp, Venmo, Zelle)

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Starting a new job in march that will double my income, after living at home since august when I lost my job. I was barely making enough to make ends meet, plus doing Uber when I could to give myself a little extra income. I need help paying the movers to get my stuff out of my parents house into my new apartment, so I can use the income I have coming in to pay other bills and buy food.
I have unnecessary furniture I will not need up for sale on every site (Facebook marketplace, Craigslist, OfferUp, Mercari, aptdeco) and also have it set to be consigned at a consignment/furniture shop in town. I will use the money from that sale to repay lender or if not sold in time, will repay lender from my paycheck.
Can repay $200 installments starting end of March, and pay some sooner based on income, Uber and what bills change/go up.
Please help me get back on my feet. Any help would be greatly appreciated
submitted by GiversBot to borrowdeletes [link] [comments]


2024.05.19 22:25 HRJafael Healthcare and predatory lenders: why Gardner area women say these are their biggest needs

https://archive.is/KvEEP
Women from across the North Central region gathered to testify on issues affecting them at a public hearing hosted by the Massachusetts Commission on the Status of Women (MCSW) on March 28.
The regional public hearings are one way MCSW engages with the general public and collects information on issues Massachusetts women face daily. The hearing was held at the Mount Wachusett Community College Gardner campus.
Sarah Glen-Smith, MCSW Chair, said the commission includes all testimonies collected during public hearings in the yearly reports submitted to the state. The North Central Mass. public hearing in Gardner was the first one of the year.
Several North Central Mass. women spoke up about experiences with systemic sexism, from inaccessible healthcare treatment to predatory loans and mortgages that are targeting single mothers.
What are healthcare issues faced by North Central Mass. women?
It's been over six months since the Birthing Center at the HealthAlliance-Clinton Hospital in Leominster closed, and many pregnant people across the North Central Mass region are struggling to find medical services.
Miko Nakagawa, an Athol resident and nurse for 26 years at UMass Memorial Health in Leominster, said the region already feels the effects of the closure from last September and will worsen. She cited the Gardner parents who delivered their baby in the AC Hotel in Worcester as an example of the effects of the closure and how overwhelmed the staff at the regional hospitals are.
Nakagawa said that with the Leominster birthing center closed, regional maternity centers and hospitals are overwhelmed, and more field deliveries will occur if nothing is done to solve this problem.
"I'm really concerned that the devastating impacts that we are beginning to see will result in deaths of mothers, babies, and eventually other people's deaths," she said. "We live in a lower-social economic area, and if you look at Athol, we have nothing; it's a really scary world out here in North Central for women's healthcare."
Nakagawa said this region of Mass does not just lack birthing, maternity, or Obstetrics and Gynecology centers, but many medical services like cardiology, which impacts the well-being of women and everyone.
Single mothers are targets for predatory loans and mortgages
Grace Ross, from Mass Alliance Against Predatory Lending (MAAPL), said predatory lenders target women of all races who are in search of buying a home. She said immigrant women and single mothers, who are unfamiliar with the process of buying a home, are exploited and tricked into these unreasonable mortgages.
At the hearing, Ross said she wants the MCSW to support and take action on legislation to crack down on predatory lenders. She said many women don't know their rights as homeowners and can't afford a lawyer, so they rely on the government and organizations like MAAPL to help them.
The MAAPL is a statewide non-profit coalition of over 70 organizations that advocates for the rights of homeowners and tenants. Ross said predatory lenders are stripping the wealth of women in Massachusetts by trapping them in impossible mortgages. She said the MAAPL also provides legal help to anyone who falls for predatory lenders and can't afford a lawyer. Here are some strategies used by predatory lenders to be aware of:
• Loan flipping occurs when the lender convinces the borrower to refinance their mortgage by trapping them in a new long-term, high-rate-interest loan.
• Balloon payments: A large one-time payment after the end period of the loan.
• The contract declares extra fees or penalty-free if the loan is paid early.
• The payment structure is inconsistent.
What's next for the commission?
After gathering the testimonies of several women at last week's public hearing, the commission plans to find ways to advocate for the topics that the North Central Mass women addressed.
Smith, the MCSW chair, said the commission considers all testimonies at public hearings and will find a way to push for reform at the State House to address the several topics addressed.
The mission of MCSW is to advance women toward full equality in all areas of life by promoting rights and opportunities for all women in Massachusetts, regardless of race, economic status, immigration status, ethnic background, sexual orientation, etc.
submitted by HRJafael to NorthCentralMA [link] [comments]


2024.05.19 22:23 Extension_Pitch7166 Pls tell me na pwede tayong maging successful

I've been feeling so negative lately. Andami ko na iniisip at naiinis pa ko sa family ko to the point na gusto ko na bumukod. Right now I'm imagining a lot of scenarios in my head and nakakabaliw pala. I've been feeling depressed lately at di na ko nakakausap ng family ko ng maayos and I don't want them talking to me kaya lagi akong pabalang sumagot sa kahit kanino. Wala ako pinapansin dahil galit talaga ko.
I actually feel bad. Pero wala naaawa na ko sa sarili ko. Like taga nuod lang sila ng pagod ko while pinapaboran lang nila yung hindi nag eeffort. Fuck.
Kaya gusto ko na mapag-isa at maging mag-isa kasi ganun din naman. Kasama ko sila o hindi, parehas lang yun. Hindi na din ako nagpapakita sa relatives or kahit kanino dahil wala talaga kong energy. Lumalabas na din kamalditahan ko sa immediate family kasi triggered talaga ko at madaming resentment sa kanila.
I don't have friends sa current residence kaya wala talaga ko makausap din. My childhood friends is nasa childhood home ko at college friends are in Manila. So u know, in my 4 yrs of working from home, sa family lang sana ko makakapag rely ng emotional support pero wala. Mentally draining din job ko pero ni isa walang nagsabi saking magpahinga, my 1st job I was working till fucking 3 am, I gained weight, napabayaan ko sarili ko, lagi akong kulang sa tulog but no one even said to me na magpahinga or hanap na lang ng ibang work. No one cared as long as I am earning. Sobrang generous ko pa that time na lagi ako nagrogrocery sa fam tas nagbbgay pa ng pera then minsan may gana pa sila magpautang or bumili ng bagay para sa ibang tao habang ako nagkakandakuba kuba kakatrabaho sa trabahong hindi ko din naman pangarap. Alam kong pinangarap kong hindi mahirapan mga kapatid ko pero nakakainis pala na nagpapakasaya lang sila pero di man lang nila maisip na tulungan ka in a way kasi sa edad nila nagstart na ko magwork. At madami pang iba.
Actually mabigat puso ko lately dahil nabuhay nanaman yung hatred ko. Gusto ko na mapag-isa. Pero pls tell me kaya ba natin umunlad mag-isa? Kaya ba natin maging successful habang lumalaban mag-isa? Siguro pag humupa na galit ko tutulong pa din ako sa kanila pero yung fixed na lang. Pero with this hatred in my heart alam ko nakaapekto talaga to sa social life ko. I couldn't make myself trust anyone and I always deny myself na magrely sa ibang tao. Hindi ko na din alam pano ko aayusin buhay ko kasi sa totoo lang dko na naiintindihan sarili ko. Alam ko lang never na ko nagpost sa fb at nagreact sa kahit anong post from anyone , I never chatted anyone for yrs. So sobrang wala nako social life parang cinut off ko lahat. I rejected a lot of invites kasi ayoko magpakita or makipag usap kahit kanino.
submitted by Extension_Pitch7166 to PanganaySupportGroup [link] [comments]


2024.05.19 22:20 Effective-Push2887 Refinancing from conventional to VA

Hello,
I’m confused about refinancing if someone can help me out. This market is crazy as we know, and it seems like the best bet for me is to go conventional to secure a home. The rate at 7% that I am quoted on sucks, so what stops me from getting a house with conventional and then refinancing to a 6% va home loan immediately once I close on a house?
I qualify to waive the funding fee, so I understand that all I have to pay are the lender closing costs.
Can I get back my down payment that I used for conventional? I was going to go either 5% or 20%.
Does a va appraiser come in and make sure the home qualifies for VA?
I’ve looked at previous threads and google searches about this and I’ve ran into multiple conflicting information about it that’s just got me confused
submitted by Effective-Push2887 to FirstTimeHomeBuyer [link] [comments]


2024.05.19 22:19 whenthedont Getting back up. Trying to ensure priorities…

Hi all,
I’ve had some very bad experiences I’ve gone through in the past 5 years, and in time hit rock bottom. 23M, I’m now back living with family after healing from a TBI, on family’s work car insurance as my vehicle, and have a good bit of dental work I need done.
Now I only have $900 of credit card debt, student loans around 15k but payments are still halted. Several hospital bills that I pay monthly adding up to $160/month. 600 credit score as it stands currently. Dental work will probably cost me around $3000 based on the procedures. All that considered, I bring home $3,076 a month after taxes, and my expenses add to $1,737. So I have $1,239 I can save every month. Right now I have $1100 in savings, $2,500 soon from a classic car project I’m about to sell, and $600 of credit.
I’m not sure how I should prioritize each thing.
-My total focus right now is paying the remainder on my credit cards down to %10. Next…
-There’s a reliable car at 15k that I want to pay 25% down on and I’ll be making payments of around $250 a month on.
-Then, I urgently want to move into my own place again, and have found many places at less than $1000/mo that are comfortable.
-I’m considering taking a trip to Latin America (I’ve traveled all over the world, there’s no fear there), to get my dental work finished much cheaper.
Maybe I should stay idle and keep saving money? Should dental come first after credit card debt? Should I have a set amount in savings before getting my own place again? There’s a lot of frustration in each aspect of my life right now that I need to do my best to never land in again. I’m grateful for the help I’ve received from family, but there is a sort of religious pressure I’m facing with my living situation. I want my own car again, my own place, and I need my teeth fixed.
Hopefully I don’t come across as dramatic about my circumstances, but because of my past successes then losing my home, car, girlfriend, landing in the ER, now starting over- I’m very frustrated.
submitted by whenthedont to personalfinance [link] [comments]


2024.05.19 22:17 SignificantTrick4167 Can seller credit be used towards pre-approval credit pulls and other mortgage costs that accumulated during the shopping process

My husband and I are 1 week into escrow, we negotiated $30k in seller credit in the purchase agreement. However, we are now on our 3rd lender. We switched from the first to the second because a better rate was offered. And we're in the process of switching from the second to the third because we came up on the Anti-money laundering red flag list during underwriting with the second lender. We suspect this might be due to identity theft, and we'll receive a definitive answer from the second lender on Monday. But we started conversations with the third just in case the second one does reject us.
At this point, I have already paid the first lender $73 for a credit pull, the second $900 for the appraisal (already completed), credit pull, and application, and the third will require another $500 for the appraisal and application if we commit to the switch. My question is: Will the seller credit be eligible to reimburse me for these out-of-pocket fees at closing?
Really appreciate anyone taking the time to read this and provide an answer.
PS: There is no loan contingency because we live in an area where only offers with zero contingencies get considered.
submitted by SignificantTrick4167 to RealEstate [link] [comments]


2024.05.19 22:14 ChocoLoco92 Those who were heavily in debt and now debt free or in a better position - how did you do it?

For those who managed to get out of debt or at least improve their finances how did you do it? I’m working towards getting myself out of debt and I’m curious to see how others did it / doing it.
For a bit of my background I’m currently in my early 30s and have about 86k in debt. 60k of that is student loans and the rest is due to a car loan and credit cards. It’s pretty clear I’ve made some financial mistakes in my 20s (grew up in poverty and didn’t know the seriousness of credit and borrowing money). I bring about 36,000 home currently.
As of now I’m paying off smaller debts and making payments on the bigger ones. I’m also teaching and hoping to clear as much of my student loans as possible through forgiveness. Does anyone have any other helpful advice?
submitted by ChocoLoco92 to debtfree [link] [comments]


2024.05.19 22:11 SignificantTrick4167 Can seller credit be used towards pre-approval credit pulls and other mortgage costs that accumulated during the shopping process

My husband and I are 1 week into escrow, we negotiated $30k in seller credit in the purchase agreement. However, we are now on our 3rd lender. We switched from the first to the second because a better rate was offered. And we're in the process of switching from the second to the third because we came up on the Anti-money laundering red flag list during underwriting with the second lender. We suspect this might be due to identity theft, and we'll receive a definitive answer from the second lender on Monday. But we started conversations with the third just in case the second one does reject us.
At this point, I have already paid the first lender $73 for a credit pull, the second $900 for the appraisal (already completed), credit pull, and application, and the third will require another $500 for the appraisal and application if we commit to the switch. My question is: Will the seller credit be eligible to reimburse me for these out-of-pocket fees at closing?
Really appreciate anyone taking the time to read this and provide an answer.
PS: There is no loan contingency because we live in an area where only offers with zero contingencies get considered.
submitted by SignificantTrick4167 to FirstTimeHomeBuyer [link] [comments]


2024.05.19 22:07 suburbanhippie_6 Expecting our first in July, lease ends in October and we are deciding to move.

TDLR: Expecting couple wanting to move and start fresh with a 3month old to be closer to family but isn't sure where would be better for us. Family situation is sort of complicated.
If you are familiar with the south and Ohio geographically and culturally, I would love to hear your input.
28F and 29M married couple currently living 12-16 hours from parents. We have our very good friends (couple with 2 kids) that are basically family that live in our town close by. We are expecting our first in July and our lease is up in October. Living where we currently are is starting to become a bit stale - rent is unaffordable for what we need (a yard and more space) and buying a house is only affordable in school districts that are much less than favorable. Wages are okay. Combined income is about 80k but with student loans, car loans, and we take care of all bills. The biggest perk of staying is the fact that we live on the coast and have wonderful friends that we love as family here.
My dad lives in Northern Kentucky (Cincinnati) and in-laws live in Northern Ohio (Michigan/Ohio) border. We met when I lived in Northern Ohio for grad school. My mom passed 3 years ago after an aggressive 5 month battle with cancer and my dad is 72 yo working full time still after a few stents in his heart and a triple bypass at 70 yo. My mom was 53 so we never expected her to pass before my dad. She was also the glue that held our family together and it has since crumbled unfortunately.
First grandchild on my side, 4th on my husband's side. We live the farthest away out of everyone. My husband is expecting a promotion that will move us to Knoxville, TN which is ~3.5 hours away from my dad and 7 hours from his parents. We won't know anyone and will essentially be starting all over with a 3mo old. He doesn't love his job, but is hoping the pay raise will help us secure housing and help with starting a family. Currently we make a combined income of about 80k. He's open to finding something else if he isn't happy with the negotiations from this promotion. His company recently was bought by a corporate company and doesn't love the changes being made. His family is extremely supportive and my dad is as well. I'm very close to my dad and get along with his family very well. Same goes for him.
Logistically and financially, Ohio is much more affordable and presents more job opportunities for me (Athletic Trainer). Husband would want to live in Cleveland where he has best friends although the thought of going that far up north again worries me with the weather and seasonal affective disorder. We both rely on being outdoors and engaging in outdoor recreation for our mental health. He doesn't mind the cold as much but does like having more mild weather for more time outdoors. He doesn't love the idea of going back to Ohio but can see benefits. He would need to find an entirely new job as would I. We both love camping and hiking in the mountains and really want to be close to all of that and raise our kids with an active lifestyle. Southern culture and values are also something we would love to raise our kids around.
For me, NKY/Cincinnati is out of the question as going back home would send me into a spiraling depression just being back where I worked very hard to get away from (multiple reasons). Every time I visit home I find myself grieving the loss of my mom, the loss of my family as I knew it and my anxiety worsens exponentially. Let's just say where I grew up carries a lot of weight and I'm fairly certain I have a degree of PTSD from being there. But it is also fairly cheap for housing and some connections for jobs. My husband has said he wouldn't let us move back there as he's seen how much of a toll it has on me. It's just unfortunately not an option.
I worry about losing time with my dad as he is the oldest of our parents with pre-existing comorbidities. With my mom's cancer diagnosis being so unexpected I fear losing him unexpectedly as well. I want our children to be involved in his life but also my in-laws in Ohio.
What would you do in this situation? We have both made sacrifices in the past of where we are living in order to take care of business with family and work. We partially feel like it's our obligation to create the life we want for us and our kids. Partially feel like it's going to be so much harder without family nearby and much more uncertainty.
submitted by suburbanhippie_6 to LifeAdvice [link] [comments]


2024.05.19 22:04 LeSoliel18 Bankruptcy Advice

I am 67, on SS & working a minimum wage job PT to supplement, and don’t think I can physically work more than the 30 hours/week that I already do.
I am very thankful to live with my daughter & her BF, we split the rent/utilities (I pay 1/3), I have a 14 year old small car (paid off) & no property or pension & recently got a small term life insurance policy to cover essentially my cremation, so my kids don’t have to worry about that.
They also work pay check to paycheck, and my sibs have been generous to me when unexpected costs come up (new brakes), but I feel I’ve been a free loader too long.
Long story how I got here, but I am about 18K in CC debt, as well as a $8k judgment for one that was sold to a third party.
The CC all have very high interest rates, you know, the kind that would take me beyond my lifetime to payoff. The ones I do have are maxed & I try to pay a little more than what is due, but that doesn’t really go far towards the principle that is always ahead of me. I tried to get personal loans, but couldn’t, and I know there are “debt relief” programs, but honestly, it doesn’t take away the debt, more than work out ways to pay less.
Suddenly today I thought of Bankruptcy! I had filed before, 30 years ago, when I actually had very little debt but it was the only way I could get my ex to finally sign divorce papers as it forced him to sell our home.
I know this is long, and if you’re still reading, honestly, what could I lose? I would no longer have the intense anxiety every time I watch my small income be eaten up by bills. I have no plans to purchase property in my future, and could maybe enjoy shopping somewhere other than Goodwill.
Thoughts?
submitted by LeSoliel18 to Bankruptcy [link] [comments]


2024.05.19 21:59 maipoxx 3PM- 11:30PM shift : Different from overnight shifts?

I am not a fan of night shift. I worked night shift jobs that went into the next day (ex: 5pm-3am, 6pm-5am). It felt like I was always at work. Even my 2 days off is really only 1 since I'm working into the weekend day.
I started working my first day time job 2 years ago. Like the job itself, love day shift (well I loved 6am-2:30 but then they switched me to 8-4:30 so I haven't been able to go to appointments)
My fiance and I got offered night shift by the company. We would net $850 more a month (for both of us, not each lol)
The night shift is 3pm-11:30pm. Our commute is 30 mins so we would likely get home at 12am.
The money could make a huge difference as far as paying off loans and house projects go. I'm thinking it wouldn't be as bad as the other night shifts I've worked. I also know everyone on 2nd already since it overlaps with day shift.
I wouldn't have to use PTO to go to appointments, I could just go in the morning.
What do you guys think about this schedule?
submitted by maipoxx to Nightshift [link] [comments]


2024.05.19 21:51 Few_Welder_6343 Budget for a car

Hey guys. I am a 23m software engineer on 37k a year. After tax and pension is bring home around €2500 pm. My total bills each month are around 700-800 including food rent etc. I have ~3500 saved do far (started work last year April and only started saving properly in January). Each month I put in 700-750. I aim to complete my driving lessons before the end of this year and buy a car around June/July next year (to allow me time to save up). Based on this how much do you guys think I should allocate to a car I’d love a 3 series bm a Passat or an A4/A5. And any opinions on car loans ? I would like to start building my credit. Thanks 🙌
submitted by Few_Welder_6343 to irishpersonalfinance [link] [comments]


2024.05.19 21:48 Caganboy digital minimalism

So like, I tried digital minimalism for a while but ended up in reinstalling all the apps I need one by one. I could do without TikTok and Instagram on it, but how do I not use my tv remote app, or Microsoft Teams for school, or Google Translate, or… the list goes on and on:
You get the point. I’m not going to type all of these essential apps here.
So because this is impossible, I begun looking at it some other way. Using a web version of an app is clunky. Using the app is always more simplistic. Downloading the app every time you need it and then deleting it is also not a minimal experience. So I’m now keeping all of these essential apps, but on my home screen I only have a few apps. This way if I need the app I just search for it.
submitted by Caganboy to minimalism [link] [comments]


2024.05.19 21:47 Ancient-Tear5630 How well my debt affect co-signing for student loans for my kids?

I think I know the answer but wanted to ask anyway. We are in serious trouble with debt. Like can't afford to eat unless we charge it bc we have so many bills. None of the options to consolidate give us any room to even create a budget bc there's really not enough left after paying CC's. We do not own a home. If we end up defaulting on our cc debt, co-signing for a student loan would not be possible, correct? We already have one kid in highschool so college is not far away.
submitted by Ancient-Tear5630 to Debt [link] [comments]


2024.05.19 21:43 QuirkyMistake12 What should I reply to him?

Should I reply anything to him?
I matched with a guy on tinder and met him in the evening for a hook up. We agreed to go to my place. We went first for 20 min walk. At my place we were watching a movie for 30 min and I left for bathroom. When I came back he received a phone call from a friend who needed a ride home from the city. The guy stayed for 5 min more than left. I offered to give him a lift to the city center so he wouldn’t need to walk 25 min to the center (in that time his friend would be home if he took taxi).
I took him leaving as a rejection that he didn’t find me attractive.
He messages me later “sorry, but my friend really didn’t have other option for a ride home”. I didn’t reply (yet), but I did unmatched him on tinder.
Should I reply something or just leave it and take is as rejection?
submitted by QuirkyMistake12 to dating [link] [comments]


2024.05.19 21:39 Shred_everything Did you install solar on your home? How much did your PG&E bill go down?

Did you install solar on your home? How much did your PG&E bill go down? Did you finance the project? What are your monthly payments and what is the length of the loan?
submitted by Shred_everything to oakland [link] [comments]


2024.05.19 21:35 rangernumberx Respect Deadpool (Deadpool (2013))

"Y'know why I love the internet? Because it's just like me." "Vulgar, combative, and contradictory?" "Overflowing with perversion and stupidity?" "Yes, and yes."
In 2013, Deadpool wanted a game, and gave a director at High Moon Studios his proposal written in the finest crayon he could muster. They accepted it (after being blown up following the initial rejection). As such, Deadpool finds himself trying to bring in the bounty on generic hateable villain Chance White, only for him to be rescued by the Marauders and killed by Mister Sinister. Driven by a desire for revenge (all while ignoring the X-Men and Cable's various attempts to get him to help save the world), Deadpool travels across Genosha in order to kill the supervillain.

Strength

Durability

Healing Factor
Gameplay
Other

Speed

Weapons

Deadpool is shown as owning a large range of weapons. Highlighted below are the ones he uses in-game.
Melee
Firearms
Explosives
Other

Teleportation

Fourth Wall Awareness

Medium Awareness
Object Conjuration
Other

Intelligence

Other

submitted by rangernumberx to respectthreads [link] [comments]


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