We picked up our Christmas tree back on Christmas Eve, and since it’s the only thing we keep heated indoors, it’s been sitting out there properly stored. But now, it’s January 4th, and the thing is shedding everywhere. I was vacuuming today, and honestly, the more you move around it, the more needles drop.
Mortgages are easily the most convoluted type of loan out there; you aren't going to find a single bank or lending institution where these get processed in three days flat. Having said that, you really have to look at each case on its own merits. More often than not, the headaches stem from unresolved ownership disputes regarding the property being purchased—think messy title issues, deed discrepancies, liens, or some other bureaucratic nightmare. There are just a hundred little things that can go sideways.
Hold on a second. The father distributed his assets via gifts BEFORE he passed away. It sounds to me like everyone already carved out their own little pieces of the pie back then, doesn't it? Now the man is passing, and there’s nothing left in his name—nothing but the pursuit of that one credit line. Theoretically, you could try spinning a yarn about there being no inheritance at all, but just a word of advice: don't go mentioning those prior gift agreements ever again.
Actually, it doesn't quite work that way. Most major banks, like Chase or Bank of America, handle liquidations by transferring the funds directly from the CD or savings account into a checking account within the same institution—whether you're dealing with USD or foreign currency. In most cases, the cash hits your balance almost instantly. But I have to say, I’ve seen situations where things got messy. If there's an overnight processing delay, those funds can end up being blocked.
It’s probably best not to play games with this. I'm talking about treating savings like a fixed-term CD—not just some standard savings account, but an actual term deposit without a dedicated routing number. You wouldn't be able to make simple transfers into it via a standard deposit, which simplifies things. It also keeps the funds out of reach of any potential freezes, but honestly, 🙂 it's a gamble. The moment the owner withdraws those funds and they land in a regular checking or savings account, they become fair game for a freeze. It's a very slippery slope, in my opinion.
Good grief, they're basically violating bank secrecy at this point. Honestly, they might as well just release a public manifesto listing everyone's account balances and how much cash they're sitting on...
They shouldn't have even mentioned the deposit amounts. They should have just kept it simple: "Based on your existing savings account at Wells Fargo, we are offering you a Lombard loan in the amount of z, with a repayment term of y."
Everything you need to know has already been said. Trollas, you aren’t making any actual arguments; you’re just trying to bait people. This thread is volatile enough as it is, and we aren't going to tolerate anyone throwing fuel on the fire. I tend to be pretty patient on this forum, as you can see, but someone more decisive would have sanctioned you by now—just like I warned you.
It’s all doable; it really just comes down to your credit score. The lower your rating, the steeper the climb—you're looking at higher interest rates, extra fees, and more aggressive insurance requirements. What does your monthly take-home pay look like after taxes, excluding any commuting stipends, and what’s the actual monthly payment on the loan? If that gap is greater than $2,000, there’s definitely some room to negotiate.
For heaven's sake, just don't go handing out cash upfront to anyone!
Rebecca Green7 said:Does anyone here have actual experience dealing with people offering loans based on an employment contract through a notary public? Is this a legitimate way to secure funding, or am I looking at a total scam?
I mean, sure, it’s possible for someone to lend you money via a notarized contract. It can definitely happen. You just need to look closely at exactly which assets or legal instruments you're pledging as collateral and what kind of interest rate they're slapping on you.
In theory, everything might seem fine, but at the very least, demand to see the contract beforehand. Read through it carefully—better yet, run it by a lawyer first.
I got that email too... though honestly, it doesn't make any sense to me that they’d actually implement something like this. I’m seeing the exact same wording in my electronic statements, yet they aren't even providing any specific limitations—just vague mentions of debit cards, ATMs, and POS terminals. If they’re serious about moving forward with this, they’re absolute geniuses. They have their own ATMs, so unless they're planning on shutting them all down, which seems highly unlikely, I don't see the point.
goldenpilot2 said:Thank God, I couldn't care less—silverfox91 just pulled the speed limit out as an excuse to break the rules, so I'm trying to show him that the limit doesn't mean a damn thing in his situation. If you're cruising in the left lane, even if you're UNDER the limit, you need to move for someone faster. Amen, end of story. Otherwise, he’s just part of that frustrated crowd making up their own little rules.
It is a perpetual mystery to me how some people simply cannot wrap their heads around this. What kind of mindset prevents someone from moving over for faster drivers on a two-lane highway? Maybe it’s just how I was raised; the moment I’m in the left lane, I’m constantly checking my rearview mirror to see who's coming up behind me. It’s just basic driving etiquette, as far as I'm concerned. Of course, we aren't usually talking about an ambulance or a police escort—that happens rarely, and you’d hear them coming from miles away—but if someone is moving faster, it doesn't matter if I'm doing 30 or 60, I move as soon as I can. Why is that such a struggle for people? Did they fail their driver's test in some small town like rural Des Moines where there's only one main road and two intersections? Are they afraid they won't be able to merge properly if they don't take a combat stance at the next three traffic lights? Or do they just know that the speed limit isn't actually a "minimum speed" rule (except on the interstate), so they decide to troll?
I've actually come up with a name for these types: road trolls.
I don't have an issue with tailgating; I’m not the type to ride someone's bumper just for the hell of it. My real problem is dealing with tourists on the interstate who seem to think the left lane is a scenic lookout. They treat the passing lane like they're cruising through a National Park, just drifting along while they stare at the sights. Naturally, everyone else ends up swerving into the right lane to get around them. If you notice the entire flow of traffic bypassing you on the right, something is clearly broken, isn't it? Most of the time, it's those out-of-state plates. I get that a two-lane highway might feel like a vast expanse to some people, but come on, let's use some common sense here.
I realize I’m directing this at specific people, but I get it—not everyone needs to be an expert on this stuff. Let’s look at it this way: you should have been told upfront that you had the option to decline the inheritance entirely—meaning both the assets and the liabilities. Since you went ahead and accepted it, you’ve inherited that debt—or at least half of it, if I'm reading the situation correctly. Your mother would have inherited the other half.
Given the circumstances, you're stuck trying to figure out how to pay off a loan that wasn't even yours to begin with. As a first step, you might want to check if your father had life insurance through his Amex; many credit cards actually include that kind of coverage. Is there any chance he had another card or perhaps a separate life insurance policy somewhere else?
If that turns up nothing... well, then you have to look at what you actually inherited. Is there any part of that estate that could be sold to cover the debt?
I hit up several big-box retailers in Washington, D.C. this past weekend, and I couldn't find it anywhere. For years, it was my go-to—pure bliss. It was a staple for the group whenever we were heading out on the town. Even just a year ago, you could find it in basically every store, sitting on the shelves or tucked in the refrigerated section. It was practically the gold standard for its category. But now? It’s gone. You’re lucky if you can even track down a single can somewhere.
The car is fantastic, and I truly believe it’s going to be a massive hit. However, you really need to ramp up the promotion. You should be posting updates with photos more frequently on forums, Facebook, and X... that's honestly the only way you're going to make this a success.
lonehawk5 said:It’s all one big conspiracy, man. A total conspiracy.🙂🤣
We really ought to add an emoji next to that name, given the nature of this thread. Now that I have some clout, perhaps I'll send over a formal request via official channels.
It’s all just one big conspiracy. 🙂
Despite all the hype surrounding it, prices have been stagnant for ages... As I’m typing this, gas is dropping toward $3.7x per gallon—something I've been watching closely—and honestly, I haven't seen prices this low since the summer of 2011.
granitejackal15, your logic is truly something else. It explains perfectly why that State Farm representative from your neck of the woods manages to have two orders of magnitude more influence, resources, and capital than you or anyone else. You’re acting like a typical American—too bitter to actually lend a hand when it matters, preferring instead to throw support toward bottom-feeders who we know for a fact are just looking for a quick payout through fraudulent claims. Just an observation...
A $50 difference represents about 20% of my current premium, so I’d really appreciate it if you could just apply that discount for me. It shouldn't be much of a hassle.