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Post by Tdarcos »

js wrote:Well, we're both on the mortgage and it's underwater, we both owe around $62,500 so we need to decide what we're doing with the house first.
Too many people make this mistake and I learned about it from an education package I bought off an infomercial. Never have both people on the mortgage. If you have only husband or wife (or one partner if you aren't married or cannot marry), and something goes wrong, the one who's name is not on the mortgage can still go out and finance a place and doesn't have their credit ruined.

When I was doing loan closings I met at least one couple that did this; they financed their house using her credit and her eligibility for an FHA mortgage. They mentioned that if they found another house that they'd buy to rent out, then they'd use his credit and his availability to use FHA. But if they both were named on the mortgage then they could only use their eligibility once.

Now, maybe there's problems because one doesn't have enough provable income or credit but you can (legally) get around that. But having both named on the mortgage means if something goes wrong you both get a bad credit rating.

And most people don't know any better and make this very mistake.
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Post by pinback »

Tdarcos wrote:
js wrote:Well, we're both on the mortgage and it's underwater, we both owe around $62,500 so we need to decide what we're doing with the house first.
Too many people make this mistake and I learned about it from an education package I bought off an infomercial. Never have both people on the mortgage. If you have only husband or wife (or one partner if you aren't married or cannot marry), and something goes wrong, the one who's name is not on the mortgage can still go out and finance a place and doesn't have their credit ruined.

When I was doing loan closings I met at least one couple that did this; they financed their house using her credit and her eligibility for an FHA mortgage. They mentioned that if they found another house that they'd buy to rent out, then they'd use his credit and his availability to use FHA. But if they both were named on the mortgage then they could only use their eligibility once.

Now, maybe there's problems because one doesn't have enough provable income or credit but you can (legally) get around that. But having both named on the mortgage means if something goes wrong you both get a bad credit rating.

And most people don't know any better and make this very mistake.
Dude.

DUDE.

NOT THE TIME, DUDE.
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Post by Tdarcos »

js wrote:I'd be able to stay here for at least another year while banking (well, hiding under the mattress) the would be mortgage payment.

It all hinges on Marcie really.
Look, you don't have to hide your money under the mattress. You can put your money in any bank except the one that owns your mortgage because it is possible they could use set off and take money owed.

"Set off" is when someone who has property of yours is owed money and takes the property of yours they have in whole or part (if it's divisible like cash). When a landlord uses your deposit to cover unrepaired damages is an example of set off. A pawn shop keeping an unredeemed loan is another example of set off.

But if New York is debtor friendly then they might not even be allowed to use set off. But in any case, the simplest way to avoid the question is not to use them as a depository in the first place.

In any case, for money in any other bank they would have to sue you (in a separate proceeding from the foreclosure and writ of possession) because until they actually do foreclose and evict, then put the place up for sale can they know how much they lost relative to the amount of the mortgage. Until they know that, they cannot claim an amount owed.

Now it might be possible they can go back and get a judgment as part of the original foreclosure if it was a judicial foreclosure, i.e. where they sue you as opposed to doing a trust-deed sale where they announce the sale and do so on the courthouse steps but don't actually sue you.

Realize: until they get a judgment, which can only be issued by a court after you've had a chance for a hearing, they cannot take any money you have in any other bank.

Now, I really suggest you take this seriously if you figure you're going to strategically default. You'll probably have to move to a rental house or apartment because you will probably be unable to obtain credit satisfactory to get a mortgage for a minimum of three years after the foreclosure and eviction occurs.

If you're going to actually save the money you would have paid as mortgage payments make the account the equivalent of a true escrow: put the full amount of the mortgage payment in the bank, and don't short it because some expense occurs like a car repair. Treat the deposit as if it disappears and you don't get it back, the way it would be if you were still paying the mortgage.

You also should put separate moving money away. $25 a week turns into $1200 in a year, and $1200 is more than enough to rent a truck plus a storage place for three months.

I'll come back with more later, I have to stop for a personal emergency.
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Post by pinback »

Tdarcos wrote:I'll come back with more later, I have to stop for a personal emergency.
Your personal emergency is my fat fucking foot up your fat fucking ass. Is this a reliable email address for you, because I've sent two emails here already, and you are still completely clueless: paul@paul-robinson.us
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Post by Tdarcos »

pinback wrote:
Tdarcos wrote:I'll come back with more later, I have to stop for a personal emergency.
Your personal emergency is my fat fucking foot up your fat fucking ass. Is this a reliable email address for you, because I've sent two emails here already, and you are still completely clueless: paul@paul-robinson.us
You must have sent them in the last two minutes, I checked my mail within the last hour.
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Post by pinback »

I did not. You have too many goddamn PORK PATTIES stuck in your fucking email wires, so nothing is getting through.
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Post by Tdarcos »

pinback wrote:
Tdarcos wrote:I'll come back with more later, I have to stop for a personal emergency.
Your personal emergency is my fat fucking foot up your fat fucking ass. Is this a reliable email address for you, because I've sent two emails here already, and you are still completely clueless: paul@paul-robinson.us
Ben, stop being a goddam bastard. Nobody said anything to tell me that there was anything more than that the guy was really badly suffering because his marriage was falling apart and it looked like he was going to have to default on his mortgage. Not one fucking word said otherwise.

There was not one mention here that the guy killed himself. I don't know him and nobody said anything to indicate such. At least I tried to offer a suggestion that he could have used to save his finances and be able to start over. That he chose to commit suicide was his decision. Don't blame me because nobody said a goddam word to tell me this.

Nobody said a word about it or gave any clue. All of the condolences sounded like people commisserating that a guy was having a bunch of bad things happen in his life.

Read the entire thread over and tell me where ANYBODY gave any clue that a normal human being could see that there was a death. There wasn't any and I resent being criticized for failing to be a mindreader.

I'm willing to accept responsibility for my mistakes. But I will not accept being blamed because of ignorance where none of you bothered to say one word to tell me otherwise.

With all due respect, Ben, go fuck yourself. That goes for any of you who put blame on me for not knowing something that I had no way to know and none of you said otherwise.

My first post making a recommendation was on May 10. Three fucking months ago; clearly one of you assholes should have realized I was clueless and sent me a message. When do I get a message telling me anything? 30 minutes ago.

None of you said anything to tell me. I refuse to accept any comments about my messages related to this because I did not know and none of you lifted a finger to tell me until 1/2 an hour ago.

So again, with all due respect, Ben, go fuck yourself. Sideways.
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Post by Tdarcos »

pinback wrote:I did not. You have too many goddamn PORK PATTIES stuck in your fucking email wires, so nothing is getting through.
The message arrived in my mailbox at 12:37am this morning; that's 45 minutes ago. See for yourself:
Image
I don't get the reference to Pork Patties, I don't eat, use or cook pork so I don't know what you mean. And earlier today I disposed of more than 100 pieces of mail from various mailing lists or businesses that I am interested in from time-to-time. My mailbox routinely gets mail fine.
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Post by pinback »

BANQUET PORK PATTIES!!! YOU ROLL AROUND WITH TWENTY OF THEM AT THE DOLLAR STORE YOU FREAK!

Anyway, this is totally not what this thread should be about, but fuck it, everything is a disaster now anyway, so here's what this maniac wrote to me in email, since he wants to "discuss it publicly":
> TWO posts, now. Let me ask you something, have you read ANYTHING that anybody posted in that thread over the past 24 hours?
> Did... did any of that seem STRANGE or, I dunno, DISCONCERTING at all?

Yeah, they were a discussion about how a close personal friend of you guys was having his life fall apart, and that apparently his wife left him. You guys all knew him, and knew what happened. Where exactly did ANYONE say there was a death or mention what happened? I'd prefer you answer publicly on the BBS.


> For your fat fucking edification, here is the person who you've now written two full pages of response to, in a thread
> where people are just starting to try to come to terms with what has happened:

http://www.democratandchronicle.com/art ... campground

>You idiot.

Again, my dear friend, with all due respect, go fuck yourself sideways. I am not an idiot. Nobody says anything has changed, and what he was going through was a serious problem. Where exactly did the items posted indicate, for someone who does not know the guy and wasn't told about his death, indicate anything other than the guy had the same sort of serious problems that so many other people do.

I can't tell what level of grief is appropriate to a situation and what I read appeared to be that of how a close friend to you guys whose life is falling apart, now with divorce in addition to foreclosure. For all I knew, his wife had now served him with papers.

But educate me. Show me where I could know it was otherwise than what I have stated. Publicly on the BBS so we can have a discussion about this with everyone else. Read the messages and show me where a person who knows nothing else about the situation could tell it was anything but what I thought it was. Tell me, so I can learn something. I can and will accept responsibility for my mistakes and errors. I will not accept criticism for failing to be a mindreader.
FAILING TO BE A MINDREADER. God bless you, you pork-rolling freak, if you read the posts written since about 8 PM last night from everyone else and it never occurred to you what the fuck was going on, then, my friend, it is over for you.

It is over. And just to be safe, you probably shouldn't have any sort of social interaction with anyone else, ever, because you cannot pick up on even the most obvious little clues, and will mistake someone trying to tell you that their grandmother has died for ASKING FOR FUCKING HELP GRILLING A CREPE BADLY.

I have NEVER seen this level of social ineptitude and cluelessness in my life, and that includes you from 20 years ago, the previous record holder.

What the fuck, man. What the FUCK.
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Post by Tdarcos »

pinback wrote:BANQUET PORK PATTIES!!! YOU ROLL AROUND WITH TWENTY OF THEM AT THE DOLLAR STORE YOU FREAK!
I apologize; when you said "pork patties" I was thinking of pork sausage in patty form. Had you said "rib tv dinners" I would have known exactly what you meant.

But when was the last time I mentioned the pork tv dinners, Ben? I haven't had any for at least two months. I also want to check something else here before I make a reply so hold on while I check, I'll be back in a moment.

Okay, I'm back. In this message http://www.joltcountry.com/phpBB2/viewtopic.php?t=6730 you may remember that I mentioned that the power went out for several days, from Saturday until potentially Thursday. You made a comment about it, Ben.

You may or may not be aware of this, but an unopened refrigerator or freezer is good for about 36 hours before the food can be presumed to have spoiled. So if my power went out on a Saturday night, by Monday morning anything in the refrigerator or freezer must be considered bad. It meant I had to throw anything I had in the refrigerator away, and I did. I didn't have anything in the freezer; the nearest dollar store is about a 2-hour trip on bus, train and bus, each way. Mainly I've been buying hamburger at Giant, the 3 pound rolls of 78% ground chuck are around $8.99, saving at least a buck and a half a pound over the usual $4.55 a pound for hamburger.
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Post by pinback »

You are talking to me about meat you buy and spoil, and introducing MATH, and turning them into WORD PROBLEMS, in a thread about a horrendous, absolutely inconceivable tragedy, which everyone around you is trying to just find a way to deal with, because none of us have ever touched anything remotely as horrific as this. And you are clueless about any and all of it.

Instead, you're rattling off grocery lists.

Never post here again.
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Post by Tdarcos »

pinback wrote:FAILING TO BE A MINDREADER. God bless you, you pork-rolling freak, if you read the posts written since about 8 PM last night from everyone else and it never occurred to you what the fuck was going on, then, my friend, it is over for you.
I basically knew most of my life was over once I ended up in a wheelchair. I have a better capacity since I acquired a power chair but I still don't have much.
pinback wrote:It is over. And just to be safe, you probably shouldn't have any sort of social interaction with anyone else, ever,
I tried to help and all I get is derision and insults for what I have no idea.

What makes you think I have any social interaction with anyone now? You know what I look like; you plastered my fucking picture all over your goddamn website. I'm a 500 pound man in a wheelchair. That doesn't get you much exposure to other people since people either see you as an ogre or they look away in disgust and often pretend they can't see you. At least most people are pleasant to me if I have a problem.

As I mentioned on another forum, I can't even get a job because (notwithstanding the economy) no place wants to hire someone in a wheelchair because they can get someone else who isn't handicapped. That this is illegal is the reason no one will tell you why they refused to hire me because they'd have a hard time arguing someone would be better than I am. Ten years of tech support and 34 years doing programming.
pinback wrote:because you cannot pick up on even the most obvious little clues, and will mistake someone trying to tell you that their grandmother has died for ASKING FOR FUCKING HELP GRILLING A CREPE BADLY.
Again, Ben, go fuck yourself sideways. WHERE DID ANYONE MENTION HE DIED? When did they mention he killed his kids? I do not know this man, there was no mention of any change in his condition at all, and no mention of the news until you sent me an email circa 4 hours ago. All I knew was what I said (that it sounded like now, his wife had left him on top of everything else). All you people here said was how sad things were for him BUT NOBODY EVER ONCE MENTIONED THAT ANYONE HAD DIED OR THAT ANYONE HAD KILLED SOMEONE ELSE.
pinback wrote:I have NEVER seen this level of social ineptitude and cluelessness in my life, and that includes you from 20 years ago, the previous record holder.
And exactly how am I supposed to be aware of this? Seriously. The guy mentions he has problems. Then people commiserate over further problems BUT DO NOT MENTION ANY UNUSUAL CHANGE OR GIVE ANY NEW DETAILS.
pinback wrote:What the fuck, man. What the FUCK.
Okay, explain it to me. Apparently I'm stupid, and I'm clueless, or at least you think so. Go through everything in this thread, and point out where someone could deduce that you were discussing more than this man's terrible problems as previously noted and where exactly would someone with no knowledge of this man be able to discern that you were discussing something else.

I want to understand how I would have the capacity to know this. If you can't explain it to me maybe there's something wrong here, and it ain't me.

But show me. I want to learn. If you won't tell me, I can't understand, and since you apparently were aware I don't always get simple clues even from 20 years ago, why did you presume I'd have this magic change and be able to do so now?
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Post by Tdarcos »

pinback wrote:You are talking to me about meat you buy and spoil, and introducing MATH, and turning them into WORD PROBLEMS, in a thread about a horrendous, absolutely inconceivable tragedy, which everyone around you is trying to just find a way to deal with, because none of us have ever touched anything remotely as horrific as this. And you are clueless about any and all of it.
Uh, let me get this straight, here, Ben. Which of us, you or me, was the first to mention any form of meat?

As for tragedy, I know tragedy. I've experienced quite a bit in my life.

(1) When I was 12, I could overhear my mother on the phone, and from context and delivery I figured it out: my father had died. I didn't know him that well but I did like him and I was sad about it.

(2) I lost my ability to walk, I'm probably very likely going to be stuck in a wheelchair for the rest of my life. My fault and no one else's.

(3) My best friend of 14 years up and died about 9 months ago. I never got to meet her and because I got evicted from the place I was living at because the bastard I hired to warn me about what was happening basically betrayed me, I lost the only picture I had of her. I still haven't come to terms with that part and it's been two years.

(4) I got called over to my sister's place last year; l took a cab because it was an emergency. My brother was helping wash their dog Bows and dropped her; she landed on her head and he saw the light go out of her eyes. I was there for the better part of a week helping my brother overcome the grief. (I knew Bows, she was over at our place for at least 5 years.)

(5) I had a cat I loved, her name was Princess. One day she went out and stayed out. So I went after her, searching the neighborhood. By luck I found her; she had crawled under a car in a neighbor's driveway; she'd been in some sort of accident but lived. As it turned out, the vet examined her and said she'd dislocated a hip but would be okay, she just had to stay in for a month until she healed. About 2 years later she got hit by a car and this time was killed. I'd had her since she was born; she was about 16 when she died. The incident was so horrifying that my mother went catatonic; I had to slap her to bring her out of it.

(6) I was in a 7-11 getting something to eat for breakfast one Tuesday while on the way to work; the place was a block from my office. I had to leave my house before I heard the whole story on the news, but it turned out (at the time), and I told the clerk that a plane had crashed into a building in New York, no big deal, these sort of things happen, pilot error or other thing, tragedies like this do happen. I might have been thinking of a prior plane crash into the Empire State Building.

I get to my office and I discover that (as you can guess) a second plane had crashed into the other tower of the World Trade Center. All of us in the office watched on TV as the two buildings collapsed into rubble, and for me it was a body blow. I was numb. Then I discover that the Pentagon, which is located only 4 miles from my house, in my home town in Arlington, had also been struck.

The office closed down, nobody was in any condition to work that day. As it turned out the system administrator sent out a system-wide message asking everyone what the machine name of their computer was. I mistakenly did "reply all" instead of reply. My message read like this:
My computer's name is Licorice.
----
"If we find out what country did this, I say, bomb the sons-a-bitches back into the stone age. Turn them into crater glass and nuclear waste." - Paul Robinson, September 11, 2001.
My boss said he understood but I would have to change the tag line on my messages.

(7) I got a call once at my office; my sister called me to inform me that my mother had died. I had a horrid bit of grief for a day or so, then went with my sister so we could say goodbye to her and allow the two dogs, Buttons, and Bows, to know she was dead.

I've had real tragedy where close friends (both human and other) and family members have died or where a national tragedy affected me personally because it happened in my home town, same as the people in New York City and Shanksville, Pennsylvania. So don't try to act high and mighty because you think your suffering is somehow more important and more serious than mine.
pinback wrote:Instead, you're rattling off grocery lists.
Which one of us brought up the subject of food, Ben? Who spoke on the subject first, my friend?
pinback wrote:Never post here again.
Again, my dear friend, with all due respect, go fuck yourself sideways. You don't run this place. I actually once decided I was going to leave but you talked me out of it.

I've had a sociopath on Usenet News named Gordon Roy Parker, alias Ray Gordon, threaten first to sue me, then later claim he called the Pennsylvania State Police where he lives and my local police here in University Park, Maryland to try and have me prosecuted because he didn't like what I had to say, specifically including what I said about him.

He didn't scare me off, and you won't either.
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Post by Lysander »

Ben, don't feed the Limbaugh. ("troll" is typically the corret term for this, however in this case that is insufficient to describe the roiling mass that has overtaken this topic.)

Wow, man. Wow.

I could say so many things. I could comment on how every single person on the goddamn BBS--everyone but YOU--understood without needing to be told what had happened. I could point out that someone very specifically said to check the news, and that anyone with a brain functioning at a level greater than a --my girlfriend has just asked me to not insult the great sea turtle.Let me try again. Anyone with a brain functioning at a higher level than a sea sponge, could infer that somethign of greater significance than a guy late on his morgage payments was going down. I could point out that threads don't resurrect themselves after 3 months. I could rehash the 100$ correct posts previous of Pinback. But I'm not going to do that. Do you know why, you sociopathic bag of fat dicks? Because, as the song says, this song aint about you.

I would, however, like to thank oyu, for proving once and for all that God does exist. Because you've certainly proved the existence of hell. which for Jack would probably go something like murdering your family and yourself in a senseless act of violence then getting the thread about it on his vavorit BBS hijacked by a complete cuntbag like you.
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Post by AArdvark »

Everything's all about him.

I call Dr. Tacos is not allowed to post in this thread anymore.




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Post by The Happiness Engine »

Guys, guys, guys.

Let's all take a deep breath, put down the computer for a few days, and go talk to someone we can see face-to-face. Just get a couple beers, or play a game. Catch up, talk about sports, it doesn't matter.

Come back next week a bit more balanced and then we can all hate each other at a more usual level.

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Post by pinback »

The Happiness Engine wrote:Guys, guys, guys.

Let's all take a deep breath, put down the computer for a few days, and go talk to someone we can see face-to-face. Just get a couple beers, or play a game. Catch up, talk about sports, it doesn't matter.

Come back next week a bit more balanced and then we can all hate each other at a more usual level.
We are not "all hating on each other". We are (rightfully) calling out TDR as being a clueless, self-absorbed, blinder-wearing, no-sense-having, pork-patty-eating douchebag.
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Post by Ice Cream Jonsey »

Tdarcos, I will stick up for you in this thread. In return, I'd like you to root for the Saints tonight, though.
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Saint Rooting

Post by Tdarcos »

Ice Cream Jonsey wrote:Tdarcos, I will stick up for you in this thread. In return, I'd like you to root for the Saints tonight, though.
I hereby formally root for Saint Paul, Minnesota; and Saint Louis, Missouri; Santo Domingo, Dominican Republic; Saint Petersburg, Russia; Saint Johns, Newfoundland; the countries of Saint Kitts and Nevis; Saint Vincent and the Grenadines; Saint Lucia; Mount Saint Elias; Mount Saint Helens, who got mad and blew her top some 20 years ago; Saint Helena; Saint Paul's Cathedral; Saint Martin; Saint Moritz; Saint Pierre; Saint-Tropez; and the Saint Lawrence River and Saint Lawrence Seaway.

May they all thrive and prosper.
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Post by Ice Cream Jonsey »

Packers won 42-34 fyi
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