the machine uses all pronouns 🏳️🌈 would rather be mountainside but stuck on a flat peninsula.
all over the place
Joined May 2011
- Tweets27.7K
- Following407
- Followers245
- Likes66K
Robot Punyeta retweeted
If your mom dies with a 2.6% mortgage, her bank can tell you to refinance at 7.1% or lose the house
My friend heard that 3 weeks after the funeral. Loan officer said "sorry for her loss" and asked for 2 years of W-2s
She'd spent those 2 years out of work taking care of her sick mom
Her credit score had dropped to 590 by then. 2 other banks denied her, and she got 60 days
So she called me, because I'm known for buying inherited houses.
The house was worth $330,000, with $265,000 left on the loan. I offered $285,000. She'd have walked away with about $20,000 and no house, and I'd have made about $40,000
Then I asked her to read me what the bank said, and I took my offer back
Her mom's payment was $1,201. The new one would've been $1,781. That's $174,000 more over the next 25 years, for the same house
Since 1982, federal law has protected transfers of homes to relatives after the owner's death. The bank can't call the mortgage due just because the house was inherited
And since 2018, federal rules have required mortgage servicers to treat confirmed successors in interest like borrowers for servicing purposes
She didn't need to qualify for a new mortgage just to keep paying the existing one. No new loan, no new interest rate, no 2 years of W-2s
Same rate. Same payment.
We asked for the successor in interest department, not the refinance desk, and sent this certified mail with the death certificate and the deed:
"My mother, [name], died on [date]. I inherited her house at [address] and I live there. I am a successor in interest under 12 CFR 1024.31. Please tell me in writing what else you need to confirm me. I am not applying for a new loan"
5 weeks later her name was on the account at 2.6%
You have to prove you're a qualifying successor, and you have to keep making the mortgage payments while they process it. The bank can ask for proof of inheritance. It can't automatically force you to refinance just because your mom died
Send this to your siblings before one of you has to make that phone call
That loan officer is telling somebody else's kid the same thing today
Been mentoring a teenager for a few years now. Her parents and I have known each other since she was 10. I asked her to go make some copies of keys, buy a Philips head, and pick up a coffee for herself. She refused my money. I had to give her a talk about auntie roles.
Robot Punyeta retweeted
We love this clip from @SmithsonianFolk! In this recent video, we shared a closer look inside steamer trunks belonging to Filipino farm workers. Their stories and impeccable fashion captivated us. youtu.be/7Ot9C16u2EI?si=PdtF…
Robot Punyeta retweeted
When this conversation comes up, I always go back to this really succinct quote from Fran Lebowitz.
Robot Punyeta retweeted
Mexican Student invented a portable acoustic fire extinguisher and won a gold medal in Indonesia
Readers added context they thought people might want to know
The Mexican student Ángela Karime Hernández Venegas developed a prototype and won gold at the 2026 ISIF student science fair in Indonesia. The idea of acoustic fire suppression was previously demonstrated by George Mason University students in 2015.
milenio.com/ciencia-y-salu…
edition.cnn.com/2015/03/27/us/…
Robot Punyeta retweeted
This is the video I posted a couple weeks ago that saved me. Please, if you have any of these symptoms, go to the hospital. Don’t wait for appointments. Time is precious when it’s a stroke.
Love you all SO MUCH!!
Robot Punyeta retweeted
Incredibly funny too because the West's perception of "submissive Filipino wife" is just so far out from the truth. Even in traditional patriarchal families, the husband is expected to surrender his entire paycheck to his wife and receive an allowance from said wife for hobbies.
Robot Punyeta retweeted
This is why your oral health absolutely is essential to your overall wellness. Can't ignore cavities or broken teeth ...absolutely gotta be as diligent with your oral health as you are with your as...even more so.
Robot Punyeta retweeted
My uncle noticed his monthly water and sewage bill jumped from $85 to $290 over the last six months, even though his family didn't fill a single pool or leak a gallon.
He called the municipal water board to report what he assumed was a meter error.
The clerk explained that the city sold the local water treatment facility and underground main grid to an infrastructure equity fund last year to cover municipal budget deficits.
When my uncle asked why that tripled his rate, she told him:
"The private operator added a quarterly 'grid modernization surcharge' and an 'infrastructure maintenance access fee' to every residential account."
Nothing about the pipes, pressure, or water quality improved.
Private equity isn't just buying houses and daycares anymore.
They are acquiring local utility monopolies so they can bill working families a mandatory tax on drinking water and flushing the toilet.
Robot Punyeta retweeted
its true, my brother needed paediatric occupational therapy for fine motor delay when he was a kid and the therapist told my mum exactly this. dressing and undressing a barbie will develop fine motor skills in a way that pushing a toy car around doesn't
Robot Punyeta retweeted
please do not ever question filipinos and their talent because you could find a kid on any random street in the philippines who could outsing, outdance, and outperform even without access to proper training or resources. we’ve never been short of talent, and this isn’t about competing with other countries or seeking their validation. it’s about recognizing the wealth of talent we’ve always had and creating more opportunities for it to thrive. filipino talent has always deserved a bigger stage, and that recognition is long overdue.
This quoted post is unavailable.