u/DULUXR1R2L1L2

TL;DR, co-signed on my parent's mortgage, now I want to buy my own home. Parent not cooperating. I am on the deed for the property. What are my options?

One of my parents was in a rough spot with a lot of high interest debt a few years ago, and I helped them by consigning on their refinanced mortgage.

Fast forward 5 years and I'm finally in a position where I can qualify for my own mortgage, but only if I come off of my parent's mortgage and they qualify for their own.

Now I'm getting the runaround from my parent and they are not cooperating. I'm not sure they will qualify on their own, but they're refusing to provide any documents to me or the bank to actually try.

The house was never "mine" and I don't really want it. It belongs to my parent as far as I'm concerned. I only co-signed so my retired parent wouldn't have to sell their house. I am on the deed and mortgage, so on paper I own the home with my parent. Now my parent is using this against me and saying I am responsible for the house.

I gave up thousands of dollars in benefits, savings plans, etc, for first time home buyers to help my parent, and I feel completely used and betrayed.

Do you have any advice on how I can get out of this?

I was thinking of maybe buying the home and renting it back to them, but that seems way too risky and more than I could afford.

TL;DR, co-signed on my parent's mortgage, now I want to buy my own home. Parent not cooperating. I am on the deed for the property. What are my options?

One of my parents was in a rough spot with a lot of high interest debt a few years ago, and I helped them by consigning on their refinanced mortgage.

Fast forward 5 years and I'm finally in a position where I can qualify for my own mortgage, but only if I come off of my parent's mortgage and they qualify for their own.

Now I'm getting the runaround from my parent and they are not cooperating. I'm not sure they will qualify on their own, but they're refusing to provide any documents to me or the bank to actually try.

Additionally, they've used up the whole balance of the HELOC they got when they refinanced their mortgage, effectively cancelling our any equity, and they might have an additional amount of CC debt now

The house was never "mine" and I don't really want it. It belongs to my parent as far as I'm concerned. I only co-signed so my retired parent wouldn't have to sell their house. I am on the deed and mortgage, so on paper I own the home with my parent. Now my parent is using this against me and saying I am responsible for the house.

I gave up thousands of dollars in benefits, savings plans, RRSP stuff, FHBP, etc, to help my parent, and I feel completely used and betrayed.

Do you have any advice on how I can get out of this? Do I need to get a lawyer?

Current mortgage with parent: approx $300k

HELOC: approx $40k. Maxed

Parent CC debt: possibly $30-40k

Parent income: unknown. They are retired

One solution I was thinking of is buying the home from them, and renting it back to them. That way the rental income pays for the current home, and hopefully I can also qualify for a mortgage for my own place. I don't really want to be in a landlord/tenant relationship with my parent though, and there's a good chance that they will screw me over by not paying. It seems too risky, but seems like they only compromise that doesn't involve them having to move out, or me getting a lawyer.

TL;DR, co-signed on my parent's mortgage, now I want to buy my own home. Parent not cooperating. I am on the deed for the property. What are my options?

One of my parents was in a rough spot with a lot of high interest debt a few years ago, and I helped them by consigning on their refinanced mortgage.

Fast forward 5 years and I'm finally in a position where I can qualify for my own mortgage, but only if I come off of my parent's mortgage and they qualify for their own.

Now I'm getting the runaround from my parent and they are not cooperating. I'm not sure they will qualify on their own, but they're refusing to provide any documents to me or the bank to actually try.

Additionally, they've used up the whole balance of the HELOC they got when they refinanced their mortgage, effectively cancelling our any equity, and they might have an additional amount of CC debt now

The house was never "mine" and I don't really want it. It belongs to my parent as far as I'm concerned. I only co-signed so my retired parent wouldn't have to sell their house. I am on the deed and mortgage, so on paper I own the home with my parent. Now my parent is using this against me and saying I am responsible for the house.

I gave up thousands of dollars in benefits, savings plans, RRSP stuff, FHBP, etc, to help my parent, and I feel completely used and betrayed.

Do you have any advice on how I can get out of this? Do I need to get a lawyer?

Current mortgage with parent: approx $300k

HELOC: approx $40k. Maxed

Parent CC debt: possibly $30-40k

Parent income: unknown. They are retired

One solution I was thinking of is buying the home from them, and renting it back to them. That way the rental income pays for the current home, and hopefully I can also qualify for a mortgage for my own place. I don't really want to be in a landlord/tenant relationship with my parent though, and there's a good chance that they will screw me over by not paying. It seems too risky, but seems like they only compromise that doesn't involve them having to move out, or me getting a lawyer.

Any recommendations? I spend a lot of time commuting by car, so videos aren't ideal. Text to speech for PDFs of the OCG aren't great to listen to.

I scored an older Qnap NAS (TVS-871U-RP) that wasn't booting and fixed it up. It turns out the boot drive was toast, and now I can install and boot Linux and Truenas

I just don't know how to control the fan speeds. They're currently pinned at max speed. I don't see anything exposed via hwmon (no PWM folders, etc) or sensors. There are some scripts or containers on Github, but I don't want to install or run random stuff. It's also not clear (to me) how they're controlling the fans if it's not via hwmon.

Any suggestions? Am I better off trying to get QTS running again? Is there a USB fan controller that works on multiple temperature inputs (disk, CPU, etc) like a normal PWM motherboard header and software? Should I just get a manual/static fan controller?

Thanks

I want to replace my fun car that runs on premium fuel with something that will save me money, but when I crunch the numbers, the higher up front cost for a hybrid means any savings are eaten away.

Am I doing the math correctly?

Is there anything else I should be considering?

Should I just compromise and get another ICE vehicle that has a lower upfront cost, but still a small amount of savings on fuel?

Does the car market just suck right now and I'm screwed no matter what?

My ultimate goal here is to save for a condo, but I still want something a bit fun to drive. I'm looking at newer vehicles because I want something that's less of a headache for the next few years.

This is what I'm working into my calculations

• Financed price = sale price - trade in/private sale + dealership fees ($2K) + tax
• Monthly loan amount (financed price * 5.45% * 60 mo)
• Monthly cost = fuel consumption (600 KM/week) + insurance + repairs ($2K/yr)

Some examples

Car	Type	Financed price	Fuel economy	Monthly Cost (fuel)	Monthly Cost (repairs)	Monthly Cost (insurance)	Monthly Cost (payment)	Monthly cost (total)	Monthly savings vs WRX
2017 Subaru WRX Sport	ICE	Owned	8.5L/100KM	$464	$167	$220	$0	$850	$0
2017 Toyota Prius Hybrid	Hybrid	$3369	4.5L/100KM	$211	$167	$220	$64	$662	$188
2014 Toyota Corolla LE	ICE	$0	7.3L/100KM	$342	$167	$195	$0	$703	$147
2023 Toyota Corolla Hybrid LE AWD	Hybrid	$14111	4.5L/100KM	$211	$167	$199	$169	$845	$5
2023 ToyotaCorolla COROLLA LE	ICE/	$6215	6.7L/100KM	$314	$167	$261	$119	$860	-$10

2017 WRX Sport

Car has 160k KMs. Should I just proactively replace the clutch and all related parts while it's out?

Not really sure if this is from abuse from the previous owners or not. Any parts that are worth upgrading? Stay OEM? Is generic aftermarket sufficient?

I don't race. I don't have a tune. Everything is stock. No plans for performance upgrades.

Using centralized auth for day to day access is an easy argument, but what about when the network is down?

I'm thinking of the following, but I'd like to get your opinions.

Day to day auth:

• Auth against Microsoft AD via NPS
• Configured by IP to avoid DNS issues

If AD/NPS isn't reachable:

• If network is up: use local accounts with SSH keys
  • One per admin
  • Pain points: distributing SSH keys and managing local accounts
• If network is down
  • Local username/pass login for console access only
  • Last resort/break glass

TL;DR: What's the best way to manage device access when your primary auth method isn't working?