2021.12.02 18:03 jobsinanywhere Liverpool 'in talks' with 22-year-old Barcelona star – Reports
2021.12.02 18:03 OlegThe 6h set by the wonderful Avalon Emerson (2021)
2021.12.02 18:03 Y1OG4 Mortgage lenders make out like bandits when the economy tanks
I learned a lesson in the 1980s.
You would think a bad economy would be bad for mortgage lenders but that might not be true.
Most first time home buyers are forced to pay for the bank's mortgage insurance. When you lose your job or the interest rates go up so you can't afford to pay, the bank is required to quickly foreclose. After they sell your home, they collect any shortfall from the mortgage insurance. Just so it's said, the mortgage insurance company comes after you for that money.
For uninsured loans, which include business loans, you must have at least 20% equity. So, the first 20% of a price crash is covered by the borrower. The bank has a special way of dealing with these loans to maximize profit. First, they call in the debt and take the money from your bank account, and the accounts of your parents if they co-signed. Then, when you don't have any cash, they foreclose and any profits from the sale of your property, they get to keep. They chase you for any shortfall.
To avoid flooding the market with foreclosed houses, the bank might let you stay in the house a little longer than with an insured mortgage, in return for payments and an expedited foreclosure when they are ready.
Again, just so it's said, if you have a business with the mortgage and you cut a deal with the bank that they will take the property and whatever cash you can find, in return for writing off a larger debt, your problems aren't over. When a large debt disappears from your business, that can be taxable. It's a nasty surprise when you think you lost everything but can start over from scratch, and it turns out you still have to declare bankruptcy because of the tax bill.
The Canadian banks are rightly regulated and pretty secure. $RY just increased their dividend. I'm in $RKT because I like volatility.
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2021.12.02 18:03 igiveupbleh Who do you talk to when you feel like theres no one that cares?
4 years and broken up with by text. We weren't perfect but I was trying. I wanted to start a family with this woman one day.
Every time i see some funny meme on reddit or something cute or interesting or if I'm panicking or just ANYTHING she was my first and only thought on who to share it with. Good or bad.
I don't have friends any more, my family doesn't quite understand the situation. Who am I supposed to talk to now? I was already really struggling with my mental health and I don't know how the fuck I'm supposed to have the strength to deal with everything going on in my head in a remotely healthy way.
I don't know what to do, I feel lost, alone, confused and fucking scared and on top of that I feel like a bitch for struggling so much. If I could have just been a better man this wouldn't have happened. The bar wasn't even set high I just had to be a semi fucking normal person but I just can't. Im fucking broken.
What do I do? Who do I talk to?
I'm sorry for the rant
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2021.12.02 18:03 Sinrespetopr Created challenge but no witness, what i can do? I can find beacon and see other people challenges. But when i create no one can see it
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2021.12.02 18:03 NotRYAN95 Project Zero: Maiden Of Black Water | The Sacred Casket (PART 9)
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2021.12.02 18:03 g4m3f33d The First 13 Minutes of Solar Ash
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2021.12.02 18:03 SoggyExchange9087 fuji xt3 x 23mm
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2021.12.02 18:03 TextStock Ereshkigal’s Sigil
2021.12.02 18:03 SufficientSession Chloroquine is a potent inhibitor of SARS coronavirus infection and spread
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2021.12.02 18:03 n0radaexpl0ra November empties
2021.12.02 18:03 HawkeYun Had a very vivid dream.
So the last dream I had was insanely vivid. I woke up in my room, well, what seemed to be my room. My friend, whom I have a crush on was for some reason there with me. So yesterday was her birthday and I remember telling her not to overdo it since she called off work to spend it with her cousins who wanted to take her drinking. We work together, and I am close to becoming one of her supervisors, so I was just telling her, it would be bad if she called off a second time cus of a hangover. Anyways, I went on that little rant because in my dream, she was clearly hungover and was still attempting to go to work. I quickly grabbed a plastic bag and passed it on to her so that she could puke her guts out. All the while I massaged her bag and held her hair. She puts the bag down and accidently steps on something that make her knock the bag down. She starts apologizing because now there's vomit on the carpet. I start laughing and tell her its okay. That I would clean it later. She left the room and that's when I noticed my surroundings. My room was different. My giant bed was gone and it seems we had been sleeping on the floor. Then I noticed luggage around me and make-up bags. My friend is into make-up, so they hadda be hers, cus they sure weren't mine, most experience I have with make-up is eye liner from my edgy emo middle school days. lol I started to freak a bit, but decided to forget it. I forget the snip it here, but before I know it, I leave her side when she heads into work. Except, its not where we work. We work in a supermarket. She went to a supervisor who seem to be training her, as if she was on her first days there. I looked around again, as if my conscious awoke. For some reason I started having a bit of a panic attack. I dunno know why, but I immediatedly looked for a mirror to see myself. I was COMPLETELY different. I mean, I was still me, but I was thinner. Buffed up. My hairstyle was different, horrendous actually, it happens. lol I had on clothes I never owned, but have thought of buying once I lose weight. The one thing I did have was my wallet and boy was I happy to see it, since it had my debit card. But it also had my old ID too. Again, I looked around, and for some reason it hit me hard. THIS IS NOT WHERE I AM SUPPOSE TO BE. As if my conscious came to the conclusion that I was in some alternate reality or a parallel universe. My breathing became labored as I tried to reason with myself, is this a dream? A lucid dream? Or did I really wake up in a different reality? Lastly, what the hell do I do now? Pretend to not know anything? Act normal and just live there from now on? I mean, I liked how I looked, except for the hair. lol It seemed like I had taken control of my alcoholism, since I had been able to lose weight. Not sure if I was in a relationship with my crush, our time together was too short to tell, but since her stuff was in my room. Maybe it meant, she broke up with her boyfriend, moved out from their place, and quit her job since we can't date since I am her supervisor. Anyways, the last bits of my dream was me having a full on hyperventalation attack, and me trying to calm myself down as I let reality sink in. The craziest part was that the people around me looked at me with such real expressions of concern since I was vocally trying to get my breathing back to normal. Thats all I remember really. When I woke up I was in my same old room.
I dunno, never had such a dream where my conscious just wakes up and makes me panic like that. I have had lucid dreams, and usually I am very chill with it and actually decide to have fun. I've also had those dreams where you are flying all over the your city but when you decide to come back down, you just find it very very difficult. As if gravity is going against you, though it shouldnt.
Anyways, to my point, has anyone ever had a dream like this? Does it have a name? Or was it just a dream turning to a nightmare? lol
Thanks to all who read this.
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2021.12.02 18:03 perkunas81 GOP Congressman And AOC Team Up On Marijuana Bill To Incentivize State-Level Expungements
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2021.12.02 18:03 Ghostlydragon22 Big dog
2021.12.02 18:03 thelegoloser I'm not wrong.
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2021.12.02 18:03 doyoufeelalright Thanks u/ballsbfloppn
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2021.12.02 18:03 Cold_Ad_6056 someone trib my slutty crush (got her nudes)
2021.12.02 18:03 ilknurr 50% off >> $22.99 >> Douxlife DL-ET01 2-Tier End Table Banggood Coupon Code [Czech Warehouse]
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2021.12.02 18:03 DrBolus What are ghost notes and why do you need them for funky beats? Just a little half arsed tutorial on making stuff funky.
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2021.12.02 18:03 What_what_in_my_what The light pollution in my area seems to have a unique profile
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2021.12.02 18:03 AlienGhostWizard Well F in the comments for Thadien Okona my fist anniversary edition character.
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2021.12.02 18:03 g4m3f33d Fans' Most Standout One Piece Moments
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2021.12.02 18:03 s1gnalZer0 Flag of France but it's just the snow cone on this pack of gum
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2021.12.02 18:03 aphelart I've got a server on 1.18 and I'm looking for 10-15 people to join
It's just a vanilla server with no plugins no nothing on survival and I'm looking for people to play with. I'm 18 and id prefer it if you were vaguely around my age I just don't want like a 10 year old in the server or anything I don't care how old you are if you're older than me. Just reply or shoot me a dm and introduce yourself if you'd like to join
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2021.12.02 18:03 cool145 hey iv been creative with car designs anyone who likes my editing can also download the skin the livery code for this is 971 663 869
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