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Greta, someone just shared this with me....relates to the insurance thing ok...Qualified buyers can say “Goodbye” to MI 👋🏼

When buying a home, mortgage insurance (MI) is typically not required if a buyer is making at least a 20% down payment. I'VE GOT GOOD NEWS. Now- qualified buyers who contribute at least a 15% down payment can say "Goodbye to MI” This can INCREASE your buying power and help keep your monthly payments affordable. Win: Win.⭐

For more info on my exclusive BYE BYE MI - Steph@ccm.com I have talked to this lady personally (she is in my neighborhood here in Portland) and she seems nice, but we haven't done any business.

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That's true. Mortgage Insurance isn't required if a buyer puts down at least 20% (now 15%, I guess), but Homeowner's Insurance still is.

If a buyer puts down less than 15%, they have to buy Mortgage Insurance AND homeowner's insurance. Because the buyer has put down so little money, the bank does not see the buyer as heavily vested in the property, so the MI covers the bank so they get paid even if the buyer (who has so little to lose) walks away from the house.

Of course, homeowners insurance is a different animal which protects against fire, theft, etc. It also assures the bank is covered for the amount of money still owed in case the house burns or is otherwise destroyed.

So basically, if you put down less than 15%, you have to buy TWO types of insurance.

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Oct 3, 2023Liked by Greta at Love Off Grid

We are on the save up for fire suppression equipment, rather than insurance page. Agree they will try to get us off private property. Stay sharp! Trust in God!!

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Amen!

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Oct 2, 2023Liked by Greta at Love Off Grid

Excellent article, and such a clear warning of things to come with insurance companies. Praying for you all as you double down where you are! God's plans are often hard to understand from our perspective.

Is there much you can do from a permaculture perspective to build firebreaks? Any keyline soil formation, or swales to build water storage as a break?

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Hi. For now we have a wide, clear fireline around the house that we keep clear year-round - in winter, it doubles as a snowmobile track! :) I'll have to look into keyline soil formations. We live in a high desert area and there just isn't much water around. We're thinking of building a small pond that *might* retain snow melt. Our well also pumps to three large cisterns on the hill above our house so we have water at the ready... nevertheless, the danger persists.

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Oct 2, 2023Liked by Greta at Love Off Grid

Wow! I would never have imagined something like NOT being able to get insurance - in a totally new, less risky area would be possible! As for life insurance premiums - yes - our LTC plan went up nearly 100%! Ugh… it’s not going to get any better now is it? Wake up world…. Thx for sharing your journey with us…. Hopefully we are all the wiser for it…. 💕

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It's the "new normal", isn't it?!

Did they give you any reason for your LTC going up that much? That's crazy!

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Oct 3, 2023Liked by Greta at Love Off Grid

Crazy indeed! 😳 But, according to them, due to ‘higher than expected’ costs. Rising health care costs plus higher than expected usage since about 2020…. Hmmmm….. sure sounds like it might be jab-related to me 🤔

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I believe you are correct.

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Oct 2, 2023·edited Oct 2, 2023Liked by Greta at Love Off Grid

After 30+ years of paying my premiums, I tried to make a first claim on a pair of large broken windows. $1200 dollar bill, insurance can pay $300 (and they made it sound like a big favor). I know this pales in comparison to your experience, but what is the damn point of it. This was from Farmers Insurance. One thing I heard recently is that the Insurance companies must be getting huge kickbacks to remain so silent about the jab deaths. Insurance companies would likely be going bankrupt at this point, and none of them seem to be....hmmm.

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I've wondered about that, too - whether their life insurance claims are actually the thing breaking them. According to Edward Dowd and others, they are feeling it financially.

That sucks about your window claim. Our home premium went up 62% this month just as a matter of course (all of WA). Is anything NOT a total rip off anymore?

Big picture thinking: to Reset a thing, you first need to break it. That's what's happening.

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Oct 2, 2023·edited Oct 2, 2023Liked by Greta at Love Off Grid

Thank you Greta....always 'preciate your response. I am finding very few things not a rip off, except for reading books and maybe MediaMonarchy.com. And making cider from all the freefall apples and stuff here in Portland. I found 2 types of edible dogwood fruits this weekend, kinda fun. Normal ones and Japanese ones...totally different, sameish leaves.... https://www.youtube.com/watch?v=ciBBEc9tuRM

Back to the insurance issues, I have been trying to gather info on Sovereign Citizenry....I mean, the insurance companies are not helping anybody far as I can see, indeed hurting.

Like you said, a clearing out of what is.

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I love Media Monarchy! :-) And James Corbett, too.

Edible dogwood fruit? My interest is piqued...

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Oct 2, 2023·edited Oct 2, 2023Liked by Greta at Love Off Grid

They look quite a bit like cherries, but late in season, sourish juicy fruit.

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