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Joined 7 months ago
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Cake day: March 3rd, 2024

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  • (usually employed by the left)

    Looks to be pretty bipartisan to me.

    As of 2024, 38 states have passed bills and executive orders designed to discourage boycotts of Israel.[6] Many of them have been passed with broad bipartisan support.[7] Most anti-BDS laws have taken one of two forms: contract-focused laws requiring government contractors to promise that they are not boycotting Israel; and investment-focused laws, mandating public investment funds to avoid entities boycotting Israel.[8] Separately, the U.S. Congress has considered anti-boycott legislation in reaction to the BDS movement. The U.S. Senate passed S.1, which contained anti-boycott provisions, on January 28, 2019, by a vote of 74–19. The U.S. House passed a resolution condemning the boycott of Israel on July 24, 2019, by a vote of 398–17. Senators Marco Rubio (R-FL), Bill Cassidy (R-LA), Mike Braun (R-IN), Rick Scott (R-FL), Bill Hagerty (R-TN), and Steve Daines (R-MT) reintroduced the Combating BDS Act of 2023. So far, no federal law has been adopted.[6]












  • I’m afraid this is going to get a lot worse before it gets better. Any time someone passes and leaves an estate, there’s a strong opportunity for beneficiaries and interested parties to get into some serious conflicts. Your grandmother hasn’t passed, and there’s already conflict starting.

    If your grandmother does not want to (or “isn’t allowed to”) walk away from the house and its mortgage (while living literally rent free until the foreclosure process goes through), you are going to need to protect yourself. You should start planning that now. Speak to an estate attorney now, and figure out what you need to do to make sure that you personally are able to reject being a beneficiary of the house, hopefully without also having to turn down beneficiary status on anything else. Maybe there’s a way that you can have your “share” of the property divided equally among the other beneficiaries as a gift?

    No matter what happens, you’re going to have to personally “let go” of some proceeds of the estate, and you’ll need to do it without holding a grudge against your siblings.






  • In the US:

    When you pass away, your mortgage doesn’t suddenly disappear. Your mortgage lender still needs to be repaid and could foreclose on your home if that doesn’t happen. In most cases, the responsibility of the mortgage will be passed to the beneficiary of the home if there is a will.

    https://www.bankrate.com/mortgages/what-happens-to-mortgage-when-you-die/

    This partially depends on how much the house is worth now. If it’s somehow a million dollar house today, and the amount owed is $250K, then you could refinance that and make payments. This would be a reasonable transaction.

    But if you have negative equity - if you owe more than the house is worth - the best thing to do right now is stop paying that mortgage. In the short term, you’re just throwing money away, because that mortgage is never going to be paid off. In the longer term, see the above. Stop paying the mortgage.

    Yes, this will end in foreclosure. Yes, you’ll “lose the house,” but honestly, it was lost a long time ago, you just didn’t know it. Once the foreclosure has happened, your grandmother will be relieved of that debt, because the home was collateral. Foreclosure is highly likely to happen anyway after your grandmother passes, but then it becomes infintely more complicated, especially if there are multiple beneficiaries of the property.

    My in-laws were in a similar situation long ago. They had gotten a now-illegal “reverse amoritization mortgage,” which basically guaranteed that their mortgage payments would always be less than the interest accrued. Same kind of result: they owed way more on the house than it was worth, way more than they had originally borrowed, and were essentially never going to get out from under it. The advice they took was exactly as above. Stop paying the mortgage.