u/Impressive-Peak-6596

we recently looked at a home. older, but checked all our boxes. had some issues we know we’d need to deal with sooner than later, all good.

House has been on the market for nearly 4 months.

Property was listed as having an easement, again, didn’t really dig into at first, figured it was a drainage or utility company etc.

Well, come to find out, the easement takes up nearly an acre of the property and is for the abutting neighbors drainage and leach filed. So yes, the entire drain/leach field would be on my property.

This seems crazy, or at least, I need more info, because that’s kind of a big deal. My agent, broker, seller, all claim “no big deal” the extent of the fact finding was asking the selling realtor and producing the one page deed with the easement proposal.

Am I crazy, or is this a bigger issue here? I feel like this is being downplayed, when in fact, this could pose potential legal questions down the road, in addition to significantly reducing the value of said land.

Im being led to believe I’m the problem here, and I’m just not seeing that.

Anyone care to chime in? I’ve asked if they could consult an attorney, or do some more fact finding regarding the exact setup, and it’s pretty much been a stalemate.

Was fortunate enough to attend a conference finals game during the 24 championship run. what a team and what a run.

Had just met my now wife, and it was a surprise date going to the game. not only the game, but those moments, are something ill never forget and carry with me forever.

Married now, with a child. So much can change in a little over 2 years, both personally and for the teams you root for. thankful I was able to take it all in and have those experiences.

I guess having weird reflections today. when those moments come around, don’t take them for granted. I’m dissapointed in where the Celtics are today, and how much has changed for the worse in 2 years since, with the JB Trade and new ownership, and JT injury.

The Celtics went 17 years between titles and decades prior to 2008. I guess my advice would be, if a run like that happens again in anyone’s lifetime, if you are a diehard fan, soak it in, take advantage of it, enjoy it. there is no guarantee they’ll ever be back.

having a difference of opinion on a matter. we are about to offer on a house that’s been on the market for 3 months. we need to sell our house.

When we started this process, we stated, for various reasons, we weren’t listing until we had an accepted offer. No problem.

Was told if accepted offer, we’d write in house will be listed within either 10-14 days, and when we sign P&S we’ll include house needs to be under agreement within 2 weeks of this signing. sounded good to me, and made sense. And at that point, if we can’t sell our house in that timeline, deal is off, or seller agrees to extension.

Now that we have arrived at this point, we are getting pressure to list now, before the offer.

What is wrong with the original way we wanted to structure this? We realized we may lose out on some hot houses, but this current sellers realtor already intimated they would be okay with this type of language?

What am I missing?

as referenced in a post a few days ago. we are looking to potentially make an offer on a home on the market for 3+ months, with several price drops.

has anyone in their career come across an easement for septic? after digging into the easement listed in the write up online, the easement runs the entire length of the property and then across the entire back. probably just short of an acre.

It was found that this is for the neighbors 30 year old septic leach field.

The pipes and leach field run entirely on the property. it’s not partially on it, the entire rear portion of this lot is the leaching field for the neighbors septic.

id be interested to hear if anyome has dealt with this. At best, about an acre of this lot is unusable for any future building/fences, etc. At worst, I’m concerned this could potentially be a nightmare down the road if and when it needs work/replacment.

looking for some information. we are looking at a property that has an easement. the neighbors septic leach field is on our property.

How on earth is this going to look when I attempt to obtain homeowners if we purchase this property?

I always think worst case, and what happens if someone gets hurt servicing my neighbors septic, which is actually on property I own?

my wife and I looked at a home, loved it. fits all our needs.

Its been on the market for 4 months, and they had a buyer fall through recently. just lowered price.

the New price is 849k. My wife wants to offer 810k. We went to both open houses this weekend, and we were the only folks there.

We don’t want to be bidding against ourselves if we are the only offer.

Is this a bad faith offer, or disrespectful?

good evening,

Looking for some advice. we are about to put an offer in on a house with a home sale contingency. the offer is likely to be accepted because the house we are looking at has been on the market since the spring.

My question is this, there are obviosuly a lot of moving parts. we need to sell our home and then use those funds as down payment on this home, likely in the same day.

Will this work the same for closing costs? we are exploring a seller credit for some of the costs, but it won’t cover them all.

Our cash is tied up as equity in our current home. we just do not have the liquid funds for offer, purchase and sale deposits, and then closing costs.

How do these type of transactions normally go down?

trying to get a data point on this for when it’s my turn. wondering if I’m just going to log in to capital one app like normal and see the discover card.

Not needing to create new credentials or getting stuck in a loop between discover and cap one log in

I uploaded my IBR recertification documents manually to Mohela, because of known glitches with student aid for married borrowers with spouses with loans. I submitted the documentation about a month before their provided deadline.

Well, here we are. I’m about to make my last IBR payment for my current year.

About 3 weeks ago, I got an email from Mohela stating they may need 90 BUSINESS days to process my request, and that payments would be due during this process. As an aside, completely insane timeline for a yearly process, 5 months possibly to process, and payments still due, because of their ineptitude.

Anyway, my guess is that they aren’t going to process this anytime soon, and standard payment is going to be due starting next month.

What are my options? I’m tired of losing PSFL months because of their disfunction, and don’t feel like I should be required to make standard payments because they can’t get their shit together.

ive been getting these generic loan spam calls that everyone always talks about for years now. usually a couple a day, sometimes more like 5-6. Nothing has stopped them, and it’s some version of the same robo message everytime. The numbers have been from all around the country, or the countrywide toll free numbers.

However, recently, I’ve started to have an uptick in local spam. Specifically 774 numbers. The call almost always cuts before it reaches voicemail, and if it reaches voicemail, none are ever left. I’ve also had some north shore mass calls mixed in with this.

Is this just spammers trying to make the calls look more legitimate? I generally just ignore, but when it’s a local number, it does give me some pause

I’ve been seeing a lot of news about discover beginning the process of transitioning users from discover apps and website to cap one.

my question, when my number is called to have my discover CC moved to the cap one website and app, how does that work?

Is my discover card just going to show up in the app like my other card?

something tells me it’s not going to be that easy

wife and I had a kind of odd first experience today. we’ve been to some open houses, maybe 5 or 6?

We attended an open house this afternoon and, surprisingly, for our market, we were the only people there for the entire half hour we were present.

Additionally the seller was present in the home, and the agent followed us literally from room to room.

Is this normal/ common/ weird? We didn’t like the house, but we also did not feel like we could discuss anything in real time with each other because the realtor was steps behind us. she even followed us outside when we went to walk the outside.

Just not something I’ve seen at an open house before. just wondering what might have been going on here, and if we can expect similar stuff moving forward.

I did something I probably shouldn’t have. We were passively looking at houses and a friend of mine had become a realtor not to Long before, so he came to a few open houses with us and then like. nothing was ever formal or signed.

Well, I don’t think it’s going great. this isn’t his full time job, and I don’t feel he is committed because we didn’t buy one of the few houses we did look at.

Its hard to get him to respond to housing related questions. we can’t get answers on whether we can see a listing, etc. and we aren’t sure if we found something we loved and wanted to make an offer we could even get to that point.

My wife and I want to go with someone who does this full time, and is actually going to work with us, and not make us feel like it’s a hassle.

from a realtors perspective, how can I approach this? I dont want to torpedo a friendship. however, he must know what he’s doing is not going to cut it for any client.

pretty much the title. how can you demand people be in repayment status, yet let these loan servicers pretty much do whatever they want?

Force these outfits to hire real staff to accommodate applications/phone calls etc.

Mohela skirting phone wait time metrics by having a front line rep answering to confirm your info, doing nothing, and then putting you on hold for 6+ hours to get someone who MIGHT be able to help is completely outrageous.

Also sending people (like myself) processing delay notices on IBR recertification, that it may take up to 90 BUSINESS days to process is completely unacceptable. 90 business days is anywhere from 4-5 months and the standard IBR cycle is 12 months. I mean, are we serious with this stuff?

You can’t have it both ways, and people are right to be absolutely bullshit

I called my auto insurance today for an unrelated reason. I then did have an additional question. I asked about my coverage and if I needed business coverage.

i commute to work daily. 95% I go to the same place. on occasion, i go to a different location. Not on the same day, or between the two.

the rep told me basically, I don’t need business insurance because I’m not moving between multiple work locations on a daily basis. simply put, it’s like someone occasionally working from a different office building. the rep said business policies basically cover people like realtors or other professions where the job requires them to be multiple different locations during the same day.

Did I get the correct advice? the rep almost seemed like it was a silly question, but I just wanted to be sure in case something ever happened when I was working out of that different location.

My wife and I have our own auto policies. ( we are both listed as drivers on each policy). Shes been with the same insurance as sort of a legacy thing because it was a friend of the family who was the agent. Shes been with this company over a decade and I guess nobody has cared enough to dig into how much they are getting porked.

Anyway, My policy, with much better coverage, is a lot cheaper than hers. we both have good driving records, no tickets etc.

How will this need to be done? Can I just call my carrier and say I’d like to add my wife’s vehicle to my policy, and that’s she’s already a listed driver? Or are they going to need to reissue an entirely new policy with both of us as policy holders? ( I’m kind of unclear on this portion that I e been reading about, where it’s usually not as simple as adding the car unless it’s titled in your name).

I just kind of want to know what to expect before I call so I can make this as seamless as possible and not be in the phone back and forth for hours

Just received several emails from Mohela. One reminding me to renew my IBR plan, as the deadline to recertify is approaching, and then two stating “correspondence processing delay”.

Is this actually it? They have 90 business days to process my IBR renewal that I manually uploaded? which is nearly 6 months actual time. and in the meantime, my payments are going to skyrocket and payments remain due and in force? no forbearance, nothing?

The email reads exactly like that.

I submitted my documents on time, and I’m being punished for their lack of accountability.

I uploaded my IBR Recert and tax transcript a week and a half ago, and have screenshots that the upload was successful and can see the documents in the “ documents you sent us section”.

However, the deadline to recertify is coming up in a few weeks, and they have not sent me anything that they’ve received or processed.

What protections do I have from the predictable email that will follow that I failed to recertify my plan?

I don’t really have time to play games waiting on hold for 6 hours, and want to be able to secure proof that was application was submitted with proper documentation before the deadline

title says it. I received a call, which sounded like robo/AI agent, but they addressed me by name in the voicemail. They called twice within 3 minutes, and left a voicemail the second time.

I then immediately received a text from the same number telling me (again by name) to check out my quote for 2 vehicles I do not, and have never owned in my life. just two random cars.

What is going on here? is this just bad data aggregation spam, or is their possibly a more nefarious reason these vehicles are attached to my name.

Its a little unnerving that my actual name and number are being used.

practically speaking, what happens when you reach the income cap, where your payments would be the same as 10 year repayment. and how do they calculate that?

Is the 10 year repayment amount based off of your current loan balance, and average interest rate, plus 10 years? or is it based off the original amount of the loans?

My current balance, with interest is about 10k higher than what I left college with.

Based on the calculators I’m using, my wife and Is income is going to put my at the cap for IBR.

Do I stay on IBR? if we keep this income, do I need to recertify every year, even if the payment won’t change? how does that work?