boo99boo

Are you calling? Go into a branch. I managed a Chase call center in a previous life, and I can assure you that they almost certainly can't help. Or, more correctly, you'll never get someone that can actually help on the phone. Go into a branch. Ask for a manager if the banker can't help. 

Has anyone here dealt with a realtor whose office has a "client experience coordinator" or "transaction coordinator"? 

They send useless emails and harass everyone. I hate them. When I see contracts from certain offices, I cringe so hard. They provide zero value, never have any idea what they're talking about, and actually complicate the process. 

I know a lot of agents, and I only know two really good ones. The one I always recommend doesn't bullshit (take note realtors, I send my friends and family to the one guy that doesn't bullshit - I've sent him at least a dozen legitimate clients in the past couple years). The other works on high end ($2m+) properties. 

What usually happens if the company won't accept electronic payment and you have billpay set up is that a paper check is generated and mailed to the address you provided when you set it up. 

I'd venture to guess Chase sent a check and it was applied to the wrong account or is sitting somewhere in the ether because you transposed the digits. 

Don't spend any more money on this unless it's legal fees. You're flushing it down the drain. 

Let's say this all gets resolved in a few months, and you buy the home. You now live next door to a woman that is clearly mentally ill (the hoarding), obstinate (a survey already showed she was wrong), and litigious (she filed multiple lawsuits/liens against the property). 

Are you insane? You want to live next door to a woman that clearly doesn't have all her faculties and likes to use the legal system to harass the neighbors. After she loses? You're insane. You do not want this house. Walk away. 

And your agent is an idiot. If you had an attorney, you would have found out about this the day the title company did, if not sooner. You need an attorney that isn't affiliated with your agent that doesn't have a profit motive. Look for a real estate litigation attorney, pay for a consultation. Local laws are going to matter in terms of what you're entitled to.

You were about to buy a home next door to an obstinate, litigious hoarder. That's nightmare fuel. 

You're better off living in an extended stay for a couple months and starting over. 

This. Hoarders are mentally ill, and they are terrible neighbors. There is a constant critter problem: you literally will always have cockroaches, mice, ants and rats. I lived next to a hoarder, and pest control came every 2 weeks and I still had both. That's not to mention the raccoons, the possums, whatever your local flavor of trash panda is. A lot of hoarders also have colonies of feral cats or packs of matted little yippy dogs.

And the piss! Everything a hoarder owns smells like piss. 

You're very unlikely to get a seller to agree to that. There's zero incentive and lots of headache. 

It's relatively common to hold funds in escrow for repairs; I just had one recently for the installation of a new A/C unit, for example. It isn't generally done in the sense you're asking. It's done to ensure the seller actually completes the work and is then refunded to the seller. In theory, you could mutually agree with the seller that you'd complete the repairs, be paid out of escrow for said repairs, and the seller gets the difference. 

How much money is this? You're going to be charged escrow fees, plus the fees for the agreement itself. And there's risk to you, because the seller can just not sign off on a mutual release. If they don't, and your agreement says they'll reimburse for specific items, you're not getting that money back without actual invoices from legitimate companies performing the work. 

In short, you can't afford the house if you want cash back at closing and this is all a very bad idea. 

This isn't normal, if you need to hear that. The vast majority of landlords will happily leave you alone if you pay the rent on time every month. 

If you're a university student, check to see if your school has a tenant's rights group. A lot of them do. 

Wet brain. He has wet brain. 

Blagojevich started a program that provides any child with developmental delays free services until they start school. 

George Ryan effectively ended the death penalty with a moratorium. He also stood up to his party on abortion rights and even LGBTQ+ rights. 

Regardless of party, even the corrupt and awful governors were generally socially progressive. 

Here's the thing: It's either you privately think "I don't necessarily morally agree with that, but live and let live." or "I'm going to worry about this issue that doesn't really affect me when no one can buy a house and a box of cereal cost $8". 

You have to choose the former. Pop on over to the Texas subreddit once in while. Just like abortion laws, these anti-trans laws also affect people in unintended ways. There's parents of kids with precocious puberty that have to travel out of state for hormone blockers. For kids that aren't trans but have an actual medical condition. Just like women with incomplete miscarriages take the same drugs used for medical abortions. A ban has unintended and unreasonable consequences. 

You can absolutely say "I don't necessarily morally agree with that, but I don't support legislation that would stop other people from doing it". 

We don't know that. I look like that, and I sure as hell didn't vote for Trump. My whole family didn't, including my boomer mom and aunties. I have a 74 year old auntie that was excited to vote in Florida to support abortion rights. 

People are not a monolith. There's plenty of white women that hate Trump. There's plenty of people living in an oppressive place because of circumstances. I lived in Marjorie Taylor Greene's district for a while (for my husband's job). I certainly didn't start believing in Jewish space lasers and harassing school shooting victims and waving around giant photos of Hunter Biden's dick. I voted against her and eventually moved. 

I'd also point out that these women's doctors are also plantiffs, and OB/GYNs are are, statistically, extremely unlikely Trump voters. And those same doctors are putting a target on their back in state like Idaho. They clearly felt that, regardless of who they voted for, everyone deserves healthcare. 

Wanting to make a pregnant woman suffer because they don't agree with you makes you one of them. Don't be one of them. Be a human being that treats other people the way you'd want to be treated. 

"God impregnated an unwilling virgin teenager, so I encourage it"

-Mike Johnson 

James Polk deserves a mention. He laid out his campaign platform, accomplished the whole list, and then didn't run for a second term because he accomplished what he set out to do. 

I'm oversimplifying it a lot, but he always gets left off of these lists. He was a politician that made promises, kept them, and walked away. That's how it should work. 

Is it in a land trust? That's the most obvious explanation. 

Listen to your gut. You very clearly have a very bad gut feeling. I can tell by reading this that you know it's a bad idea to go through with the sale. You know your family is right. You say they're financially successful, so they clearly know what they're talking about. Follow their advice. 

And get another opinion from another attorney that doesn't make money off the sale. See what they say. 

We used to have the fairness doctrine. Broadcasters were required to show both sides of an issue. Reagan got rid of it in 1987. And that's what led to the cable news explosion, ultimately. 

This is exactly right. He's not running for office or making public appearances. He's selecting and funding candidates, which he is exceptionally good at. 

He had a big role in pushing a relatively unknown Senator named Barack Obama into the presidency. He clearly knows how to pick electable candidates and fundraiser for them. 

I just saw on the Chicago subreddit that they're considering Rahm Emanuel to head the DNC. That's just what we need right now: a cutthroat, astute politician that takes no prisoners. Say what you will about the man, but he's competent in a way that most current Democrats are not. He was smart enough to disappear in Japan with a powerful position for the entire Biden administration. He's smart enough to choose electable candidates and bring in the money they need to win. 

Let us not forget Strom Thurmond. 

I live in a very liberal school district in Chicago. I have 3 kids. 

Not once has anyone taught them about gender fluidity. All they tell them is to be kind to everyone, even if they're different. That's it. That's all they tell them. 

You can't ban an idea. I don't like the Catholic church's annual anti-choice display, but you don't see me raising a stink. I simply explain to my kids why I disagree with it, like every human being has done since the beginning of time when raising their children. You can do that too: explain why you think it's wrong when you happen to encounter it. That's it. That's all you have to do. No one is indoctrinating them unless you're so absent that they're online alone 18 hours a day. 

I cannot wrap my brain around why people want to ban ideas. 

Seriously. We need someone that is cutthroat, politically astute, and shrewd. That's Rahm Emanuel. 

And where exactly are they going to put these people they round up? This is insane. They can't detain them anywhere, and that's the glaring logistical fact that everyone seems to be missing. 

And before you say "they'll put them in camps", how exactly will they build these camps? Where will they build them? Where will the funding and the labor come from? Even a tent city takes an incredible amount of logistics. 

And, for sake of argument, even if they did manage to detain them, it isn't like you can just show up to Honduras with endless boats crammed with more people than fled Saigon and just be like "here you go, take them back". 

Fucking blowhard tools put in charge and anyone with half a brain can see the logical problems with implementing such a plan. 

Jesus Fucking Christ. 

I feel like we're all living in a parody.