Jump to content
  • Welcome!

    Register and log in easily with Twitter or Google accounts!

    Or simply create a new Huddle account. 

    Members receive fewer ads , access our dark theme, and the ability to join the discussion!

     

My idiot brother


Epistaxis

Recommended Posts

If it is only a cosign on a pretty cheap place that you could afford to take over the payments then its not as big a deal. You can't really lose any money except through the housing market.

Oh I guess there would be the issue of what happens when he stops making payments but wants to live there. I would have a contract in place that says if you start making payments the house is yours or something.

But I personally would not get involved.

Link to comment
Share on other sites

How long was his wife out of work? Is the work that she started less than a year in the same field as her previous employment?

She changed jobs, completely out of her field to a sales gig that has a base plus commission.

So we are looking at two people with a significant amount of "creatively reported" income, if you catch my drift.

Link to comment
Share on other sites

Theoretically i am not giving him any money.

He has never asked for money, and even mentioned that he never would or will.

It is the assumption of risk as a co-signer for the home loan.

He could default, and I'd be responsible, but given the small (relatively speaking) size of the loan, it would be an annoyance, not a backbreaker.

Again, my instincts are hell no...but he is my brother.

I have a friend that sounds like you.....not so much the situation but the fact you keep ending every post with....but he is my brother.

So basically, you are going to do it. You just wish someone else out there had the same issue of never being able to turn down family. I get it. Tough to not help family when you actually could......even idiots.

Link to comment
Share on other sites

True.

And I'm wondering if I am missing something with regard to risk for me.

ie Credit rating, etc.

What I gather is, assuming I am not buying a car soon (which I am, but I don't finance stuff, I'm debt phobic, i buy when I have saved the dough and keep the car for 10+ years) or a house it really shouldn't matter.

Also, he plans (yeah we'll see) to refinance ASAP and get my name off the loan.

So I guess I just wonder if anyone had any knowledge or experience with anything similar.

Link to comment
Share on other sites

Archived

This topic is now archived and is closed to further replies.


  • PMH4OWPW7JD2TDGWZKTOYL2T3E.jpg

  • Topics

  • Posts

    • Then don't tune in. It's really not a hard concept to understand, if your making your decision based on your own personal needs/feelings as opposed to what is best for the future of the franchise, then it's a you problem, not a Panthers problem. When the season is already lost, every fan should be rooting for the same thing.  The team plays hard until the final whistle of the season and keeps improving as a team and individually, but in the end, we still come up short and lose games, and preferably because the other team beat us, not because we screwed up and found a way to lose due to our own fault. Look at it this way... If we are up 1 or 2 points with 3 seconds left in the game and the other team is lining up for a FG.  Beyond the joy of victory or the disappointment of defeat, what impact does the other team making or missing the FG have on our team the following season? ABSOLUTELY NOTHING Except where we draft and what teams we play due to our finish in the division. The players and coaches on the team would have the exact same level of improvement and learnings about themselves individually and as a team whether the FG is made or missed.  The ONLY difference in the end is the record in the standings and if the win or loss number changes. If you want to argue if making the playoffs to lose in the first round or just missing them is better or worse, that's totally fair and I can at least understand the other side of it.  But in what is already a lost season, if you're not hoping your team plays well but ends up losing, then you're cutting off your nose to spite your face.  You're hoping for a moment of happiness at the detriment of the franchise's future, and in turn, you're basically then happy for a moment to only set yourself up for future further disappointment.
    • If we’re eliminated I want the wins more.   The season is already a disappointment and if I’m not pulling for wins why bother to tune in?
    • Two things terribly wrong with this post. First is that not one time has myself or anyone else agreeing with me said that the team themselves should think that way or try and lose for positioning.  Never once have I suggested the team should purposefully lose games, ever.  I honestly can't understand why people keep saying this in posts, not one fan has ever said the players should or would purposefully try to lose. And second, is yes, that has happened and it's happened very recently.  The 2020 Bengals were 4-11-1 and then were playing in the SB the very next season.   And while it might have been 2 years later and they didn't quite get to the SB, the 2021 Lions were 3-13-1 and then the 2023 Lions were up 24-7 at halftime of the NFC Championship game. The season between those two? They finished 9-8 and only just missed the playoffs. Which is why I keep trying to compare us to the Lions in where we are at in our re-build.  Throw out Bryce's rookie year with the Reich staff who just didn't work out and he looked god awful.   This past season when we were 5-12 in Canales' 1st season is that 2021 season for the Lions and their 1st season under Campbell.  This year is their 2022 where they grew a ton and Campbell's culture building was clear, where I'm saying we'd likely be better off in the long run if we go 8-9 or 9-8 and just miss out on the playoffs (which is still a significant improvement from last year).  Then our 2026 is their 2024 when we have a chance to be a real contender after adding a few more pieces and our key players having another year of experience under their belts.
×
×
  • Create New...