• 0 Posts
  • 5 Comments
Joined 1 year ago
cake
Cake day: July 1st, 2023

help-circle
  • My mom mortgaged me when I bought my current house. I’m in BC, Canada so you’ll want to check on your local rules. Here, the process of buying a house is separate from the process of getting a mortgage so if you don’t need a bank mortgage no one is going to scrutinize where the funds are coming from.

    I got a realtor and went through the standard home buying process. As far as the seller and realtor were concerned, it was a cash sale and they didn’t care where the money was actually coming from, just that financing didn’t have to be a condition. They guided me through the offer process, told me when to get a lawyer to do the purchase paperwork, and the lawyer gave me details on how Mom should make the deposit and final payment. She could also have transferred the money to me and I could have done the payments myself but that was logistically difficult in this case since my credit union doesn’t have a branch where I live.

    Mom and I then contacted a notary to draw up a mortgage contract. In our case, she’s not charging interest since she’d have to pay capital gains tax on any income over the principle. On paper, I own the house. Mom is listed as a lender on the title, exactly the same way a bank would be. If I default on my mortgage, she has the right to foreclose and force a sale. Once the house is paid off, the loan goes off the title. We have a handshake agreement that if my parents die before it’s paid off, the remainder will come off my portion of inheritance to keep things fair for my sister.

    We could have set up the mortgage agreement first, but it made more sense for us to wait until we had the final numbers from the house sale.




  • I have the following at home:

    • My work laptop (2021 MacBook Pro)

    • My personal laptop (2018 MacBook Pro)

    • An old iPad Air

    • My phone

    • Living room PC (Linux, shared)

    • Bedroom PC (Linux, shared)

    My laptops live on my desk and I mostly have whichever one I’m using plugged into my external monitor and peripherals (mouse and mechanical keyboard). The portability of my personal and work machines is nice if I want to sit on the couch or travel.

    The living room PC is hooked up to the TV. My partner and I mostly use it for gaming and YouTube. It’s a few years old but it can handle most of what we throw at it.

    We only use the bedroom PC to watch TV in bed.

    The iPad is for knitting patterns. Previously, it spent several years sitting unused in a drawer.

    My phone is for doomscrolling and spam calls.


  • ratofkryll@sh.itjust.workstoMemes@lemmy.mlsmoking
    link
    fedilink
    English
    arrow-up
    0
    ·
    29 days ago

    I smoked for almost 20 years. I lost track of how many times I tried - and failed - to quit. Last December I just felt done. Put it down and haven’t gone back to it. I even had a few cigarettes while out with a friend in March and had no desire to go back to it after. I know a few other people who quit like that, but far more who have struggled with it for years and still smoke.

    I have no idea what changed for me. Every other attempt failed, even if I felt really ready to quit.