Interest keeps piling up until the debt is actually settled. If you have the cash on hand, just pay it off now—it’s better than letting those penalty rates eat you alive. That said, the bank can't legally come knocking for the money until probate is finalized; technically, nothing has officially passed to you yet.
I’ve only ever seen Maminh clones popping up over on the NFL boards or lurking in the banned corner where he was begging for a second chance🤷 it seems like a young guy—someone clearly desperate to be part of this community—and I honestly don't get why we wouldn't give him a shot, especially since the mods are willing to vouch for him🤷 (and no, I'm not talking about that "one year later" kind of grace period)
:just an innocent bystander who can't stand permanent bans:
Olivia Moore51 said:Can I throw my wish list into the ring? 😬
🤣🤣
Consider this my official vote for unbanning Mamin. mellowraven22, it’s practically Christmas—even those who have committed actual felonies eventually serve their time and earn their freedom. 😉 If the guys are vouching for him, clearly the kid is fine and they're confident he's learned his lesson.
I used to have one—now I just rely on a digital banking assistant. Honestly, whether it’s worth the hassle depends entirely on which credit cards and bank accounts you're running; nobody can tell you if it's a good deal without knowing your specific setup.🤷
You’ve got it wrong 😉 So, at Google, they require insurance with every mortgage—specifically, personal accident coverage at 40% of the loan value plus fire insurance for the property. As an instrument of security, the bank demands pure accident coverage, which in your case would run about $45 a year (that's my math based on my loan amount and policy terms). Essentially, you get an accident policy that auto-renews annually, which you can simply cancel once the mortgage is paid off. Now, bankers usually suggest—since this is a straight risk policy (meaning there is zero savings component, so if nothing happens to you, well, 🤣, you don't get a dime back)—that you opt for a life insurance policy with a savings element instead, using the pure risk policy to cover whatever gap remains to reach that 40% threshold. Personally, I went with the pure risk option; it’s just as much a guessing game when I’ll actually close this loan, and I have no desire to be tethered to a massive life insurance premium that would further strain my already tight budget 😉
I'm not really looking to deal with a two-day delay—it's just too much hassle. Do you happen to have an account at another bank—maybe Chase or Wells Fargo—that you forgot about? 🤔
Give the utility company a call on Tuesday—I’m not entirely sure if you need to file a formal dispute or if a quick phone call will cut it (it’s been over two years since my last mishap)—but the bank should be able to coordinate with the electric company to get those overpayments credited back to your account.
If you scheduled that payment for Tuesday, just head over to your account overview, hit the pending transactions, select that specific order, and then click delete 😉
I believe your current setup is $3.00 (though I’m using a digital banking assistant, so take my word with a grain of salt)—the monthly token sits at $3.25, and your per-transaction fee is $0.33, which is basically 2 bucks. Personally, I use a modern banking app—my monthly fee is just $6.75—and it covers my checking, savings, and specialized accounts, plus I can pay up to five bills a month through the app for free. If you're planning on sticking with Zaba 🤷 it might actually be worth the switch.
You can cancel your premium banking package by just heading down to the branch where you opened it and telling them you want to close it. That online banking service runs about $3.25 a month, and paying bills costs $0.33—that’s 2 (🤔). If I were in your shoes, I’d ask the teller to run the numbers on your monthly fees without the premium package—just to see which way is actually cheaper. I know they bumped up the prices on standard checking accounts lately; if you’re also juggling a credit card and paying bills online, that premium package might actually end up being more cost-effective than basic accounts. Go talk to her so she can check 😉
wiredotter12 As stated by: Thanks for the response...
Sure, every mortgage is tied to a specific loan—that’s the rule—but isn't there a massive flaw in how banks prioritize collections when mortgages are spread across multiple pieces of land? If a guy can't do much with property that's already encumbered by various liens, wouldn't it make more sense to consolidate everything into one single mortgage against the most valuable asset? That way, you could actually move freely with the cleared properties and focus all your resources on settling the debt on that one primary piece of real estate—right?
So, to wrap this all up: The current setup is practically useless—it leaves everyone stuck, and frankly, the big banks aren't seeing a dime from it either. If you consolidate those mortgages—it’s like cleaning up a cluttered garage to actually find what you need—you gain much better control over your liquid real estate assets; plus, the banks will likely walk away with a little something for their trouble. The cost for the transfer—everything from the request to processing and final notarization—would run about a few thousand bucks. A friend of mine doesn't have a fifth piece of real estate to leverage for a new mortgage—the kind he'd need to clear those four existing debts—which would effectively free up all that land. So, yeah—that entire plan is dead in the water.
Hmm. 🤔 A few things here escape me: How exactly do you think banks walk away empty-handed? Every single loan is backed by real estate as collateral—if a borrower defaults, the bank simply moves in and collects. It’s not rocket science. 🤷 Why on earth would anyone need to combine mortgages just to deal with their properties? — Who is stopping him from selling right now? Of course, there’s the tiny little catch—that any proceeds from the sale have to go directly toward paying off the loan secured by that land. Simple enough, isn't it? 🤷It looks to me like someone is trying to dump every single loan onto one piece of property—effectively using the cash from other sales to cover their tracks while leaving the debts unpaid. There isn't a theoretical chance that any halfway competent bank in the US would ever agree to such a ridiculous scheme. One could always approach a single lender to request a refinancing of loans held elsewhere—using the property itself as sufficient collateral, of course. The idea is simple: Bank A pays off Banks B and C, leaving you with just one mortgage to juggle. However, speaking from my own experience—and let's be honest here—banks aren't exactly throwing a parade over the prospect of taking over someone else's loans right now.
You went ahead and deleted my post from that last complaint—so now I’m left feeling a bit rattled 😍 Anyway, where did that image disappear to? It’s becoming incredibly difficult to follow my train of thought 😍—as for the whole Mojo and his claws situation, let's just take that to the DMs so we don't clutter this thread (this isn't exactly a space for spamming 😉)
It’s honestly pathetic—the only real scandal here will be how someone managed to breach the moderator's private files, rather than whether they completely botched the job by permanent-banning users who, let's be honest, didn't deserve it in the first place.
This "our VZ5" nonsense—I actually posted about that exact same VZ5 way before this whole thing went down, featuring those tastefully concealed private parts 🙂—and then I was practically begged to leave because apparently saying "Good afternoon, how are you?" counts as being provocative. 🤣 Man, the bottom-feeders on this forum are something else.
And don't even get me started on how the same guy, just two or three days after all this, was begging the same group to support opening threads on some other PDF—the very same one his moderator buddies claimed couldn't be opened 🤣—only to turn around and try to screw over the users for complaining about those same moderators, his own colleagues! What happened to the integrity of a top-tier forum user 😍 when compared to this absolute sludge 🙂
But honestly, it doesn't matter anymore. It really doesn't. It’s in the past, and I'm just glad some of this is being called out publicly (assuming mellowraven22 doesn't swoop in and delete everything first). 😍
Well, I might as well chime in so Tyndall can get back to his favorite hobby—deleting posts. 🙂
I see even those who aren't part of the "zidić" crowd are showing up. Honestly, I appreciate the input on this thread, but things are a bit darker and uglier than they seem on the surface. These accusations that we were "sabotaging" other threads are laughable. Sure, people from the "zidić" group commented on other topics occasionally—imagine that, someone actually posting in parts of the site other than their own little bubble 😁. I don't recall any "organized attacks" on other threads (though, granted, I’m getting older—maybe senility is setting in)—so it would be lovely if the admins could provide a link showing where more than two of us—the supposed "scum and dregs" of this site—coordinated to destroy threads. I die laughing every time I hear the word "organized." In the spirit of fairness, I’ll happily provide a link showing where our dear, insulted moderator practically recruited people from one thread to raid another just because he didn't like the subject matter 😉. Now *that* looks like organization to me.
There weren't any clones or nonsense until the "zidić" thread was nuked, permanent bans were handed out, and everyone from that "infamous" thread was forbidden from starting new topics or posting more than twice in the same place 🤣. It went so far that I was personally warned via PM to stay away from the "dinner for 5" thread. To be perfectly honest, I’ve been vocal about how that thread ended up in the off section since day one, yet suddenly every single one of my comments—which were basically just "Good morning, how are you?"—is treated like a provocation 🤣 . That’s me: a user with exactly three strikes—one from my very first post, one zero-point strike, and one ten-pointer. I’ve participated in every PDF on this site; I don't troll, I don't mock, and I certainly don't clone accounts. Yet, my "Good morning!" is viewed as an act of aggression 🤣 . What else is there to say? You’ve completely botched this. You have neo-Nazis and extremists running wild in the politics section, yet your primary concern is six harmless women chatting in a thread called "zidić." Truly, stellar prioritization right there. A round of applause for all of you!
Edit: Just so there’s no misunderstanding, I’m not asking for "zidić" to come back. That’s ancient history now... unfortunately. But the permanent bans issued to these women for absolute nonsense? That’s what hurts—along with blaming these harmless women for all the world's ills. You banned women for being "clones" when you clearly have no idea who is actually a clone and who isn't. Oblica doesn't even exist as a real person 🤣, Parach got a permaban over questions asked in the ban appeal corner, and restlessbison25 was flagged as a clone 🤣. Good grief 🤣 . If it helps, I can send you a list of everyone from the "zidić" group via PM, so at least you can admit you banned someone because they were "annoying" rather than hiding behind the "clone" excuse 🤣 .
I see Nanashi finally replied—meanwhile, my own posts were wiped 😍 My comments are just fan commentary 🤣 🤣
Please, Tyndall, address the post I left. There was absolutely no reason to delete it; I wasn't being rude, I wasn't insulting anyone, and I certainly wasn't spamming. All I did was express my dissatisfaction with how I'm being communicated with—and even that got scrubbed 😍 Now, some people might say "take a hint," but I’m a bit slow on the uptake 😍
Your payment is due on the 23rd—anything you pay before then goes straight toward the principal, but it doesn't count as meeting the monthly installment. In plain English: the payment is already set in stone by the 13th of the month; your available credit might look higher, but you still owe the installment 😉