There is a knocking sound under the hood, the car won't start and power doors won't open.
The light on the dash indicating the security system is active is blinking.
I can't get the car to start and it's a new battery.
It is very hot out, 100+ F, does that have something to do with this?
I just drove it successfully this morning
Toyota sienna 2010 xle
My garden is growing very well for the most part but I think I need to add some phosphorus, at least to my strawberry plants. They are either not producing any fruit at all or they are producing small funky looking berries. They have healthy leaf growth. Only two plants are producing any berries at all.
Everything i see online says they need phosphorus for more blooms and berries.
I think my soil is very healthy, I added plenty of compost at the beginning of the year, and the growth in all my beds is strong. My tomato plants are doing very well growing in the same soil and have tons of tomatoes on them.
Should I add phosphorus and if so, should I add a more rounded out fertilizer like a 4-6-2 or 2-5-3 blend or should I just add rock phosphate 0-3-0?
I don't want to add more nitrogen if I don't need it or if it will hurt my soul either this year or next, but I also don't want to add too much phosphorus and have unhealthy runoff (I live near a forest with a stream and I don't want to poison it by accident). I have had very good luck just composting all year and adding it the next, and I would rather be patient versus fuck up my soil trying to get fast results.
But if I could get some more strawberries on my plants, I would be very happy (and so would my kids who are eating me out of house and home with their berry addiction).
Can lenders have DU/LPA pick up on overlays or tweak how the system views a file?
Will two different lenders who have the same file set up identically in their system always get the same response from AUS?
I get these files occasionally where someone claims they are PQ'd by another lender for X amount, but I cannot see anyway that is possible without fudging the numbers somewhere to get it through.
My wife and I are trying to figure out childcare for our two youngest since my wife needs to go back to work.
We can't afford a larger daycare center and we also don't want to deal with the constant sickness the kids will bring home so we are looking at an in-home childcare close to where we live.
They are very well recommended by people we know, and my wife has been talking with the woman who runs it. However, they are not licensed (working on getting licensed) so they are not ranked/background checked by the state. The owner has agreed to background checks for herself and her husband who is also present in the home.
I have been researching online so I am aware of places like checkr.com, enannysource.com, goodhire.com, etc., and I have been researching what you want a good background check to cover (such as a national criminal background check and not just a state).
I am trying to decide if we should go with one of these online websites or if we should go with a local PI company. I am assuming the PI company will be more expensive, but is there any difference in quality between the online services and a local service?
When I look at their websites, they both seem to cover the same thing and they both claim to be the best of course.
Does anyone have any experience or advice for this?
What are everyone's thoughts on this bill?
It looks like there could be some really positive things in here that will actually improve the housing market.
CHARLOTTE, N.C. (WBTV) - A Charlotte businessman and father of seven died over the weekend, according to his wife in a post on social media.
On Monday, June 22, Ronjera Abrahams posted on Instagram that her husband, Carlos Abrahams, died on Saturday, June 20.
Ronjera Abrahams did not go into details about her husbands death, only saying that he died on June 20.
WBTV reported on the Steele Creek family in February 2025 when the quadruplets finally made it home after 36 days in the NICU.
The couple and their three other children, all boys, welcomed quadruplets, Ariayah, Aniyah, Cayden, and Carter on Dec. 2, 2024.
Carlos Abrahams owned a Jamaican restaurant and food truck in Charlotte, Crav’N Caribbean.
She posted the following on Instagram:
“To my forever love, my best friend , my husband ❤️ words cannot describe the pain that I feel. With a heavy heart , my husband passed away on 6/20/26.. I’ll never be the same.. God please just strengthen me even more as i try to navigate life without the man that I’ve been with for 16 years while raising our children..."
Ronjera Abrahams
Copyright 2026 WBTV. All rights reserved.
I am very sleep deprived so this may be a really dumb question but:
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Why is our system of numbers just based on counting to ten over and over again?
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Why not count to seven or five and start over from there?
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Was this decided by someone at some point or is there the same natural order to this system?
I'm going to be in asheville this weekend, are there any board game meetups happening tonight? I checked Meetup but can't find anything there.
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How fast can you close a conventional 15 year cash out on a free and clear prop in AZ?
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FICO >720
DTI 21%
LTV 44%
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There are no issues with this loan, the borrowers need to close faster than their current lender is willing to make it happen?
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Can anyone do this in two weeks or less?
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Title and appraisal are done and just need to be transferred.
I am trying to make sure I am clear on how these restrictions work for trout fishing in NC. Based on the above screenshot (from https://www.eregulations.com/northcarolina/fishing/general-mountain-trout-regulations)
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In the screenshot above it says there are no lure or bait restrictions between June 6th and July 31st 2026, which I assume means we can fish with natural bate or triple hook lures.
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Further down on the same page it says:
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"Delayed Harvest Trout Waters, excluding tributaries except as noted, may be fished only with artificial lures with one single hook, no natural bait may be possessed, and no trout may be harvested or possessed while fishing these waters between Oct. 1 and 30 minutes after sunset on the Friday before the first Saturday of the following June. From 6:00 a.m. until 12:00 p.m. these waters open to youth under age 16 under Hatchery Supported Trout Waters regulations. At 12 p.m. on the first Saturday of June, these waters open for all anglers under Hatchery Supported Trout Waters regulations. These waters are marked with black-and-white signs."
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So am I correct in interpreting this as permission to use bate and triple hooks if I go fishing in delayed hatchery trout waters right now?
Realtors seem to believe that:
-- a pre-approval is the same as a final approval.
-- lenders get paid to deny loans
-- loan officers make underwriting decisions
-- A change in financial circumstances shouldn't prevent a loan from closing
-- all lenders are evil except their broker who pays for their blowouts
They have zero knowledge or understanding about how the origination process works either. If my client tells me incorrect information, goes under contract before they submit docs against my advice, and then takes a month to get it together to even submit the loan, all while telling me they do not want me to provide any updates to their realtor, that somehow this is still my personal fault.
And the number who threaten to post about me personally on social media is hilarious. Go ahead, Janice, no one cares about your "Best deals of Buttfuck, Missouri" tiktoks
Is there anyone who can fund this transaction in Texas?
Credit is <660
Income is $800k-$1.5mil in investment disbursements
Very high assets
Buying a $350k home, wants a $300k loan amount. Renovating the property entirely as a home for his son.
Doesn't want to buy in cash despite having the funds.
With his credit score, I can't get his file past compliance on a Fannie/Freddie second home conventional.
Any conventional lenders who can do this while charging less than 2 points or are there any other lenders who can offer a better product for someone with this amount of income/assets?
I planted some corn for the first time, it's working out pretty well I think.
I work in the mortgage industry and I see this all the time, people apply who currently live in a mobile home in a trailer park. Every time they tell me what they are paying in rent it blows my mind.
I just talked to someone living in BFE Tennessee in a single wide, barely 1000 sq ft who is paying $1,900 per month in rent.
That is almost as much as what I pay for a single family home twice the size in a high cost of living area.
And to make it worse, this person living in this trailer park is having to now scramble because the new owners of the park have told everyone that they have decided to stop renting the trailers and only the lots, so everyone has a year to buy their trailers or GTFO.
There is a special place in hell for the scum doing this to people just barely making ends meet.
The longer I work in this industry, the more radicalized I become.
Can anyone do this scenario?
FHA loan:
Florida
$355,000 purchase price
10% down
3 borrowers (middle scores @ 647, 716, 507)
DTI = 27/40
Appraisal and title are done and can be transferred
Closing ASAP
I've been working with these folks for about 8 months, everything was going good until the primary borrower got her disability income cut by 90%, creating a DTI issue. We added her son into the file who said he had a 600+ score, but it came back at 507.
My company's minimum is 550.
I am going to try and request an exception, but I doubt they will approve it.
This is a very urgent loan. They are supposed to close next week, and we just received the updated disability income info about 2 days ago. The borrower is disabled and already sold her home and is currently renting it back from the new owners, so this not working out means she will be scrambling for a rental.
Just spent 6 months working with a client building a custom home.
Two weeks before estimated closing, closing was delayed because the builder wasn't meeting an extremely basic requirement for VA loans on new builds. They claimed they had no clue even though they've been in business for about 60 years.
Then they lie to the client, tell them they are in breach of contract because the closing date is past, even though the contract says closing is not till 2 weeks AFTER certificate of occupancy is issued, which it hasn't been. They try to force the client to void the original purchase contract and sign a land contract instead which specifically states the buyer is liable for incorrect and incomplete water and sewer hookups when the city inspects the property and levys fines and require that it be brought up to code.
I point out what the builder is doing to them and I advise they talk to a real estate attorney. I even find one for them. The buyer pushes back on the builder, and the builder backs off the land contract.
All of a sudden this morning, I came into an email from the client saying they think we have mistreated them and are harassing them because we have asked for documentation to source funds. They ask us to no longer contact them, their realtor (who is an employee of the builder), or the builder.
Fucking unbelievable. Sick of shitheads in this industry acting like basic mortgage guidelines are unreasonable and unfair just to cover up their own unethical bullshit. We're regulated out the ass but every one else in this buisiness has basically no oversight apparently.
Not the first time I've dealt with builder bullshit and not even sure if it's worth dealing with them in the future. The buyer can just use their shitty affiliated lender and get fucked over by the builder.
These beds have identical plants in them: peas at the back, three rows of corn, zucchini in the middle, borage in the front. The bed with less growth among all plant types and yellowing leaves was planted before the bed where everything is growing well.
Dirt in each are pretty much the same. The bottom layer is sticks and leaves, followed by compost, and garden soil.
The main difference I can think of is the underperforming box has more sticks and leaves (about half full) compared to the well performing box which is only about a quarter to a third sticks and leaves. I don't think it's the size of the box either. There are three more boxes to the left of the high performing box that were all planted later than both the boxes in the pictures in boxes the size of the underperforming one.
The boxes are in a side yard that gets decent sunlight and they are right next to each other.
I'm not sure what is happening.
My wife and I have three girls. A 5 year old, 2 year old (turning 2 in a few days), and a 7 month old.
We are having trouble with our 2 year old. Whenever she plays with our 5 year old, she hits her, pulls her hair, and screams at her if the 5 year old has anything she wants. She literally pulls out chunks of the 5 year olds hair, she is only 2 but she is already stronger than the 5 year old.
She will snatch toys from the baby and push her if she in the same area. It doesn't matter what toy the baby has, she snatches it from her and says "no no no".
We are extremely exhausted right now since the 2 yr old and baby both have multiple wakeups each night and its hard to find the brainpower to figure out what to do with the 2 year old.
We do what we did with our 5 year old: model gentle hands, praise good behavior, separate her from her siblings when she hits and pulls hair. Nothing seems to make any difference. I know parenting takes a while, but it is very stressful, especially because my wife sometimes cannot physically intervene during the day when she is taking care of the baby.
Our 5 year old has zero self-preservation instincts so she will just sit there crying as the 2 year old hits and pulls her hair, she won't get up and walk away. I correct the 2 year old over and over again and I've been letting the 5 year old know she can always get up and walk away, just like we have taught her to get up and walk away if one of her preschool friends is unkind.
I need advice on what my wife and I can do differently with the toddler. She has a very different personality from her older sister and it doesn't seem like we're getting any headway with what we're doing now.
TL;DR: Last night, I closed my eyes and turned off the light while waiting for my wife to shower. When she saw what I was doing when she came out, she was upset with me, and told me I needed to figure out why she was upset. How do I tell her I don't think that question is a fair way to resolve conflict?
Context (stress factors): We have three children (5, 2, 6 months). Our 2 year old and 6 month old both wake up multiple times at night so we are getting no sleep. Multiple wakeups each night have been happening since our 2 year old was born. Due to how wakeups happen and because our 6 month old is breastfeeding, we can't take shifts where at least one of us get a full nights sleep. I get maybe 4-5 hours of sleep and my wife maybe 5-6
My job has told us layoffs are coming due to economic downturn so I am working OT. This has put an even larger burden on my wife with the kids.
We are both struggling with physical and mental issues
Neither of us have enough support. Family lives far away, and friends are busy with their own lives. We can't afford support either (such as occasional childcare).
Our sexual and emotional relationship is suffering: my wife has a higher libido and mine has dropped to almost nothing due to a mix of the antidepressant I was taking and the exhaustion. The lack of support makes planning a date or alone time nearly impossible.
The situation: I helped my wife dye her hair last night after the kids were in bed and chores were done (something I have done before and like to do since its connecting). Afterwards, she turned on TV while I got ready for bed. I let her know I wasn't going to shower and was exhausted.
When I was done, my wife went back into the bathroom to rinse her hair and shower, which took about 45 minutes. After about 20 minutes of looking at my phone, I turned off the light and laid down. The TV was still on.
My wife comes out at 10:30. I am not asleep but my eyes are closed. I open my eyes right away and get out of bed and go to the kitchen to start the dishwasher which we wait to do until showers are over. I come back in, turn on the light, and ask if I can see how the dye turned out. She says nothing and at this point I realize she is upset.
I ask her what is wrong and eventually she tells me she is upset because I was asleep. I told her I wasn't asleep and said I wanted to see how her hair turned out. She starts crying and then of course, at this point, our 6 month old wakes up so she has to go feed her. I sit up waiting for her with the lights on. I can hear her crying over the monitor. When she comes back, I ask her why she is upset with me and that I don't understand what I did.
She says she doesn't have the emotional bandwidth to lay her heart bare for me and tells me I need to put in the work to soul search and figure out what I did. (These are as close to quotes as I can remember.) She turns over in bed. I tell her that I am too tired for a homework assignment (which I admit is defensive and snarky) and then also turn over.
The problem: This is not the first time she has told me I need to figure out why she is upset because she doesn't have the energy to tell me.
I do put in the work and think about what happened to try and figure it out but these leads to two things happening:
I often spiral because I cannot figure it out and I feel like this is a homework assignment. I get upset and angry and then have to work through those feelings on top of figuring out what I did.
Once I do figure it out, I am still left with a few options and then have to play a guessing game when I go back to her, which makes her more upset that I can't get it right the first time.
It feels to me that I am being treated like a partner who employs malicious incompetence when in a conflict. I do not like being told to "soul search" and figure out what happened. This reminds me of how my mom and dad used to send me to my room to think about what I did wrong. It does not feel like the way two adults in a good relationship resolve things when in conflict.
I understand if my wife was too tired to get into last night and also if she doesn't have the energy for a long, long conversation.
However, I do feel that if she is upset with me about something I did, it is on her to let me know what that is. The emotional work I am responsible for after that point is to then acknowledge, validate, and repair, not play guessing games.
I feel like I need to let her know that I can't keep operating under this framework when conflict happens. Not only do I not have the energy or ability to figure this out, but I don't think it is a fair way to treat a partner. I feel like I am being treated like someone who I am not (a maliciously weaponized incompetent partner). I want to tell her that I don't have the ability to answer that question but that if she is upset with me, I would like to hear why she is upset and how it happened.
I also do not know what I did wrong. The best guesses I have are that she wanted me to be waiting for her to come out of the bathroom so I can immediately ask about the hair dye, that she wanted to talk to me more, or that she was hoping to have more relaxing time with me. I told her I was tired and wanted to go to bed, but I didn't specifically tell her "I am going to sleep now" because I wasn't planning on that and also did not go to sleep while waiting for her.
I am not looking for someone to tell me who is wrong or right. I just need to know if the way of approaching this conversation with her is valid or if her expectations for me to figure out why she is upset are fair.
Update: we got about 10 minutes to talk at lunch today before she had to leave to get our eldest from preschool and I took over lunch for the babies.
It didn't go well. I told her what I thought was wrong and she said she was hurt I wasn't awake and excited to see her hair.
I told her I was awake, otherwise I wouldn't have gotten up right away like I did. I told her I was exhausted.
She said it doesn't matter whether I was awake or not, my eyes were closed when she came out of the bathroom and she is sick of hearing my excuse that I'm tired.
The conversation didn't go much elsewhere other than us trying to talk over our middle child screaming, with both of us getting more upset, until she had to leave to get our oldest.
I texted her when she left: "You are not being fair. I am so exhausted I am having trouble speaking in full sentences while working. I am so tired of having that dismissed. I was awake starting at 5 am yesterday as I am most days. I am so tired I could lie down at any point in the day and fall asleep immediately. I truly do not understand why you think that does not matter. It doesn't feel like we are a team when I am expected to operate a capacity I can only maintain when I can take care of my most basic physical needs.
I was excited to see your hair, which is why I asked about it. You did not say something like "why haven't you asked about my hair?". I did not know you were even upset with me until I came back into the room, turned on the light, and asked to see your hair. This shows I wanted to see your hair.
You are free to have any expectations of me that you wish. However, I cannot fulfill those expectations if they disregard the present circumstances of our life."
She responded "Got it""
I feel so exhausted and like I am crazy.
I have currently have $43,000 in personal loans with monthly payments totaling:
I'm estimating the remaining total interest to be paid of $4,000.
Despite the low interest, I am considering a debt consolidation. If I do this, I can free up about $500 per month of cash-flow. I'm considering this for the following reasons:
I know the interest will be higher. The best I have found so far is 11% with SoFi on a 7 year loan. This will lower my payment $500 per month but unless I make extra payments, it will cost me almost $20,000 more in interest and take me almost 4 years longer to pay off. If I take this route, I will still pay the extra $500 towards this loan, and only have the lower payment as an emergency fallback. Making the additional payments does put me paying off in almost the same time frame with estimated payoff in 43 months and does save me about $9,000 in interest.
(I probably won't go with SoFi, but with a credit union. I've applied to a few and although the interest is about the same, some of them have some additional benefits (like the loan being forgiven if I die, get really sick, or even laid off).)
Is this a bad idea? Am I missing something here that will hurt me (more than just paying additional interest)?
Is anyone seeing personal loan rates better than 10-11% anywhere? I see them advertised online as low as 6%, but when I apply, I still have higher rates. I have an 800 credit score.