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Joined 2 years ago
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Cake day: July 13th, 2023

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  • For a successful suit, he would have to prove that the letter was demonstrably false and that either they knew it was false or they acted with willful disregard to the truth despite serious substantial doubts about its validity (his trying to threaten them into not punishing it doesn’t qualify). If this letter in question was in an album among many others gathered more than two decade ago, was in Epstein’s possession for all of those years until investogators found it and took it into evidence in 2019, has Trump’s signature on it, etc… well, good luck proving it is fake, let alone that they should have known it was. Cuz it’s clearly real, and they have the receipts.


  • No way this is legally binding. It amounts to a bait and switch. A product was purchased and provided without agreement to any further terms. Then they sneak in supposed terms after the fact based upon the action of opening the product. That is a change in agreement made without any consideration for the purchaser. That’s not generally allowed in contact law.

    Furthermore, I really doubt that they can get away with the argument that the act of opening a product can constitute any amount of conscious agreement to some writing on a package. If for no other reason than that this is (afaik) a novel way to attempt to coerce agreement such that nobody would expect such an agreement to be part of the opening process and likely won’t notice it.

    And it’s not accessible for every person who may be using this product even if they do notice the words. Are you a non-English speaker? Farsighted? Blind? Illiterate? Would you have any way to even be aware that those words are terms that somehow binding you to an agreement by virtue of your opening the thing you just bought? Would you have any reason to even suspect that that is the case?

    Also, they’ll undoubtedly claim that the fact that you have the opened product means that you agreed to the terms, but that is also not the case. Your mom opened it for you and wrapped it as a gift? You bought it secondhand? The packaging was torn open when it shipped to you and you never had any reason to see this text in the first place? It was misprinted? Any of those things and more would mean you never agreed to anything. And they have no way to prove any of those things weren’t the case.

    Just stupid. I have zero doubt that any number of lawyers would love take this to court and get that payday.









  • So… I have a guess as to why this is. It might be entirely wrong, but it kind of makes sense to me. I would bet the bank also partially insures your home when they hold your mortgage, and so the two insurers/policies split the liability in that case. When your mortgage is paid up, the bank no longer has stake in the home and doesn’t insure it anymore, meaning the full liability falls on your insurance policy alone now. So they likely raise your premiums to account for the hightened risk on themselves. That’s not necessarily a justification and it obviously sucks for you, but, it does make some amount of sense IF my guess is correct.

    Either way, paying off your mortgage is a big accomplishment and removes a big burden from your shoulders. So kudos on that at least.





  • There is no market pressure for landlords on properties they own. Prices for upkeep and repair can increase and property tax can increase, but these costs increases are negligible over the term of a rental agreement. The housing market pushing prices higher only affects their ability to expand and buy new houses for renters they can mooch off of. When they raise your rent becuase of the housing market, AT BEST they are unethically farming your money to expand their investments that you could otherwise be investing in yourself. At worst, and more likely, they are simply taking advantage of you and using the market as an excuse to boost their margins to hoard more money for themselves and/or themselves luxuries you can never afford because rent takes up more than half your gross salary.