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Neonmoon

Burnt Ends
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Posts posted by Neonmoon

  1. On 4/5/2024 at 9:06 PM, blacklab said:

    We use keepersecurity at work and I really like it.

    DO NOT USE LASTPASS. They had a breach and lied their asses off about it and tried to cover it up.

    Ha I was wondering why my company just switched from Lastpass to Keeper 

  2. 6 hours ago, UT_OB1 said:

    @UTPhil2006 and the other Texas real estate guys/gals - have any of you heard of Guerilla Investments?  They made an offer on a house we have listed for sale that is Subject To. I have heard of these but have zero experience with them. From the details in the offer, it sounds like a good deal. Good deals make me suspicious though, on the other hand we ReFi when rates were super low, and any rate these days will be almost twice as high 

    Thoughts?

    With a “Subject To”, aren’t you still liable for the mortgage? Meaning, you’re hoping the investor makes payments on time. If not, it could negatively affect your credit, but the debt obligation would still be on your credit report. 

  3. 9 minutes ago, Captainant said:

    I swear to God, this is like that steam roller scene in Austin Powers. It's been happening in slow motion and nobody has lifted a finger to stop the inevitable and completely foreseeable terrible outcome 

    This is the legal system working 

    • Rage+1 1
  4. 18 minutes ago, Biff Tannen said:

    We've obviously established why the stupids gravitate towards the dotard, but I cannot for the life of me figure out people like my sister and her husband.  Both have UT degrees (engineering and advertising), he owns his own business, and they live in a large house near Brisket and have never wanted for anything.  Yet they both are steadfast in their support, maybe even moreso now, even after having seen the past years of insanity with the Rs.

    I can't square it.  The only thing I can think is that he went down the Joe Rogan path a few years ago and it broke his brain.

    Smart people join cults too 

    Propaganda works. Repeat a lie often enough and it becomes the truth. We have unfettered propaganda networks firehosing “immigrants are murdering your family”  into their faces 24/7. It’s not just Tik Tok, it’s “legacy” media. 

    It’s going to get worse 

     

     

    • Hook 'Em 1
  5. 7 hours ago, LCHorn said:

    All I know is that I had a great sideline seat in 2007 when the brokers got fucked by the regulators and it looked to me like the mortgage bankers were able to protect themselves.

    17 years later and I think the independent mortgage bankers are vulnerable and wholesale banks like UWM and Rocket appear to have grown sufficiently large that they have a created a target on their back.  I wonder if this lawsuit is the first cannon shot.  

    You’re relatively new to this and haven’t watched banks disappear overnight like that scene in Brand of Brothers where they faded out all the Currahee guys who didn’t make it to Berchtesgarden.  Everyone thought Countrywide had deep pockets, too.  

    I see your point, but these scenarios are a little different. Countrywide had deep pockets, but their implosion was to due with subprime exposure and fraud. UWM isn’t making bad loans to unqualified borrowers or submitting fraudulent loans to GSEs. They required brokers to sign agreements  (spoilered). I don’t know the legalities of it or enforcing it, but they clearly do enforce it. (A Florida district judge dismissed a similar case due to personal jurisdiction, but nothing about the merits of allegation)

    Spoiler

    IMG_0423.thumb.jpeg.b62cabbed2e3681226f919bf198a04f7.jpeg

     

  6. 15 minutes ago, F250 said:

    I strongly disagree. A good portion of our population thinks George Washington and Jesus turned the tide during the Battle of the Alamo or think Spain is located in Central America. The last thing our society needs is a dumbing down of the college educated.

    Our society is fucked anyway. It’s beyond dumb. Requiring people to learn Texas history isn’t going to change that. Higher education has a cost issue. Attendance is a symptom, not the problem. I also believe a well rounded education is a good thing, but I believe people should have more choice in their degree requirements outside core. 

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