create account

An unexpected kick in the balls by jerrytsuseer

View this thread on: hive.blog |  peakd.com |  ecency.com
hive-114308 · @jerrytsuseer ·
$2.09
An unexpected kick in the balls
<center>![Most effective Birth control.jpg](https://files.peakd.com/file/peakd-hive/jerrytsuseer/EowMuHuTj66c92ZkYpjZA6nN1XGn8C446VQ6bz1ribZsJ6vktNotgPcjSuaWQYeH4ni.jpg)
<sup>(does anyone EVER expect that?)</sup></center>
Back in 2020, I signed a mortgage to buy this house and property, the loan amount was $205,000 for 30 yrs, and my payments were set at $997 per month.
I've never done this before, but I understood that my loan payments would remain the same unless and until
A. the loan was paid or
B. I made and change or
C. I died.
Knowing you can't fill a hole making the minimum payments, I immediately upped my payment to $1000.00 per month (just under $3 per month would go towards the principle.
Last year, feeling more comfortable, I again moved my payments up to $1,133.28 per month.
Still creeping up on my principle, a little quicker but still at a crawl.
<center>https://media3.giphy.com/media/29pUQmFmZheZtXmEO4/giphy.gif?cid=ecf05e476n4yyqlao3oeniuwlc39yxaabkyb3kddkvg7v5bn&ep=v1_gifs_search&rid=giphy.gif&ct=g</center>
### <center>SO TODAY!</center>

I got an email stating that my homeowners insurance had gone up.
Nothing to do with me,nor any changes I've made to the property, but based SOLELY on a rate change approved by the Ga State Legistature, so now that homeowners insurance policy is costing $1,133.28 per year? (or is it monthly?)
SO THEY, meaning someone OTHER THAN ME, made my minimum payment go from $997 to $1,031.38 per month.
I freaked because someone other than me made this change to something that I thought was set in stone.
The payment I'd increased to ***still covers*** everything, but less will be going to pay towards the interest every month now.
My current loan balance is $189,147.80
What really screws with me is, the Escrow Account are funds left over from my original loan that are kept to ***PAY*** for taxes and insurance, and each year any surplus is refunded to me. This year it is $1,275.67... is your head spinning yet?
<center>https://media.tenor.com/N_05ZzrHpPkAAAAM/bang-head.gif</center>
### <center>_"Unexpected Kick In The Balls"_
<sup>by</sup>
_Jerry E Smith_
©12/12/2023
<sup>I have no clue where the opening meme came from
I've had it for a very long time.
Until today, it always made me</sup>
### LAUGH🤣
![Badges.jpg](https://files.peakd.com/file/peakd-hive/jerrytsuseer/23xykBLPRtRN6AXGu1rh6WXfwE3PLCWEk362ZAYWPiCQzvW7LWZhqAv19wpZ945Jbm4HC.jpg) 
 https://i.imgur.com/Cs07kWZ.gif  
https://images.hive.blog/DQmWU21rRhqQLoqKKKFq5zbQgWqooAQnkirZbP2eTMrpEWT/image.png 
https://files.peakd.com/file/peakd-hive/derangedvisions/Uf5lD91A-HiveGlitch.gif 
![cyktlq.png](https://img.esteem.app/cyktlq.png) 
https://steemitimages.com/DQmYHe3LVwpEFCGnv2azPfFfzu3UVrVD2hMRMvnF63GkzBG/royalfinest.gif</center>
👍  , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
properties (23)
authorjerrytsuseer
permlinkan-unexpected-kick-in-the-balls
categoryhive-114308
json_metadata"{"app":"peakd/2023.11.3","format":"markdown","description":"Unexpected news on the financial front.","tags":["loans","escrow","payments","angry-notsoyoung","man","qurator","gratefulvibes","aliveandthriving","innerblocks","discovery-it"],"users":[],"image":["https://files.peakd.com/file/peakd-hive/jerrytsuseer/EowMuHuTj66c92ZkYpjZA6nN1XGn8C446VQ6bz1ribZsJ6vktNotgPcjSuaWQYeH4ni.jpg","https://media3.giphy.com/media/29pUQmFmZheZtXmEO4/giphy.gif?cid=ecf05e476n4yyqlao3oeniuwlc39yxaabkyb3kddkvg7v5bn&amp;ep=v1_gifs_search&amp;rid=giphy.gif&amp;ct=g","https://media.tenor.com/N_05ZzrHpPkAAAAM/bang-head.gif","https://files.peakd.com/file/peakd-hive/jerrytsuseer/23xykBLPRtRN6AXGu1rh6WXfwE3PLCWEk362ZAYWPiCQzvW7LWZhqAv19wpZ945Jbm4HC.jpg","https://i.imgur.com/Cs07kWZ.gif","https://images.hive.blog/DQmWU21rRhqQLoqKKKFq5zbQgWqooAQnkirZbP2eTMrpEWT/image.png","https://files.peakd.com/file/peakd-hive/derangedvisions/Uf5lD91A-HiveGlitch.gif","https://img.esteem.app/cyktlq.png","https://steemitimages.com/DQmYHe3LVwpEFCGnv2azPfFfzu3UVrVD2hMRMvnF63GkzBG/royalfinest.gif"]}"
created2023-12-12 21:05:33
last_update2023-12-12 21:05:33
depth0
children3
last_payout2023-12-19 21:05:33
cashout_time1969-12-31 23:59:59
total_payout_value1.022 HBD
curator_payout_value1.067 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length2,771
author_reputation215,776,644,208,584
root_title"An unexpected kick in the balls"
beneficiaries
0.
accountpeakd
weight500
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id129,622,445
net_rshares4,647,557,248,127
author_curate_reward""
vote details (45)
@biyimi ·
$0.07
Wow. Don't you think the mortgage is actually high
👍  
properties (23)
authorbiyimi
permlinkre-jerrytsuseer-s5m08z
categoryhive-114308
json_metadata{"tags":["hive-114308"],"app":"peakd/2023.11.3"}
created2023-12-13 14:29:27
last_update2023-12-13 14:29:27
depth1
children1
last_payout2023-12-20 14:29:27
cashout_time1969-12-31 23:59:59
total_payout_value0.034 HBD
curator_payout_value0.035 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length51
author_reputation110,247,969,247,606
root_title"An unexpected kick in the balls"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id129,639,784
net_rshares156,560,576,888
author_curate_reward""
vote details (1)
@jerrytsuseer · 
I don't really know, since I have never signed up for a mortgage on my own.
![](https://images.ecency.com/DQmRZFW3SXnZXpDcikdTU6quLNaVnm9P2tEA2Zuxp2iMuj8/aerial_view_of_plot.jpg)


The asking price for my house and 1.6 acres of land (0.647497 Hectares) was $200,000 USD.
Since there were others looking at it, I offered $205,000 USD which was accepted and financed.

I have all my recurring bills set up on Auto Pay, and even with the relatively high payments, i have enough left each month, so that I live comfortably and can still afford to help others here and there.
properties (22)
authorjerrytsuseer
permlinkre-biyimi-20231213t135410854z
categoryhive-114308
json_metadata{"tags":["hive-114308"],"app":"ecency/3.0.37-vision","format":"markdown+html"}
created2023-12-13 18:54:12
last_update2023-12-13 18:54:12
depth2
children0
last_payout2023-12-20 18:54:12
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length570
author_reputation215,776,644,208,584
root_title"An unexpected kick in the balls"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id129,645,537
net_rshares0
@brittandjosie ·
$0.07
Kick in the Hiveballs lifeballs
👍  
properties (23)
authorbrittandjosie
permlinkre-jerrytsuseer-20231215t0458981z
categoryhive-114308
json_metadata{"type":"comment","tags":["hive-114308","loans","escrow","payments","angry-notsoyoung","man","qurator","gratefulvibes","aliveandthriving","innerblocks","discovery-it"],"app":"ecency/3.0.44-mobile","format":"markdown+html"}
created2023-12-14 23:04:57
last_update2023-12-14 23:04:57
depth1
children0
last_payout2023-12-21 23:04:57
cashout_time1969-12-31 23:59:59
total_payout_value0.035 HBD
curator_payout_value0.035 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length32
author_reputation525,661,217,955,513
root_title"An unexpected kick in the balls"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id129,677,105
net_rshares154,380,190,013
author_curate_reward""
vote details (1)
Help/Feedback