Unapologetic

I am not your cup of tea
because I am made too strong
and frankly, too hot for you to 
enjoy maybe you can tolerate 
me in tiny sips but I don’t want
to be tolerated. I want to be
devoured by those who value
all I am and who do not wish I 
was in any way watered down
to meet your tepid tastes. – David Gate

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…

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What Happens to Mortgage Debt After Death?

What happens to my mortgage if I die before paying it off?

Mortgage payments will still need to be made, and that responsibility will fall to the cosigner or co-borrower on the loan, if there is one. Failing that, whoever inherits the home will likely be responsible for continuing to make payments.

If you had mortgage protection insurance (MPI), it should cover the principal and interest payments for your loan, with the money going directly to your lender. (Note that MPI is different from private mortgage insurance — PMI — which is insurance for the lender; many borrowers are required to get PMI if they’re buying a home with a down payment of less than 20%.)

If the lender doesn’t receive its regular payments, it may foreclose on the property. That’s because a mortgage is a type of “secured” loan, in this case secured by the property.

But often, a home is sold anyway when its owners have passed away — to pay off debts or because no one wants to or can keep the home.I

t’s smart to make your wishes clear in a will regarding who should inherit your home when you die. An estate lawyer can help you not only with your home, but also with how to minimize taxes and best pass on your assets. – Motley Fool

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Navigating Confidentiality 

I am in a 12-step program. We have rules about anonymity and confidentiality, specifically that what is shared in a meeting stays at the meeting, and I trust that this applies to information shared between members and their sponsors outside of the meetings.

In a recent meeting, my sponsor, “Sally,” used her sharing time to talk about another sponsee, who wasn’t present. She proceeded to describe in significant detail how the sponsee appeared to be completely in her old addiction.

While I’m sure this behavior was disappointing and upsetting to “Sally” and that she may have needed to process her feelings or vent about this, I also strongly feel it was inappropriate to describe these details to a group of 15 people, one of whom was me, who knew exactly whom she was talking about.

Perhaps she could have discussed it confidentially with her own sponsor. She could have even characterized the person as a fellow-traveler or friend but used the term “sponsee.”

I have lost trust in my sponsor. I don’t feel safe sharing personal information about my own failings, because she may decide it’s OK to tell other people about my issues. I have witnessed her engaging in gossip about ACA members in the past, but this crossed a line.

I have been her sponsee since 2016.

I am trying to decide if I should tell her about my concerns. But I also know it is not my job to “fix” her.

I welcome your insights. – Overshared

Dear Overshared: I agree that Sally should have discussed this with her sponsor, if for no other reason than a one-on-one conversation could have helped her check her thinking and determine what, if anything, was appropriate for the group and what veered too close to gossip.

Every person’s recovery journey is unique, and you need to be able to set yourself up for success. So, if Sally’s share is presenting an obstacle, for the sake of your recovery, you should explore a new sponsor relationship. This may be temporary, or it might be permanent. It’s up to you.

When you talk to her, remember that the goal isn’t to fix her, or even to give her advice about her share. Speak from personal experience. “This is what I heard, and this is what I feel and so this is what I’m going to do to address those feelings.” This will help keep your concerns from blossoming into resentments, or other negative feelings that could endanger your recovery.

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spiritual reflection

Dear God, Guide us to move humanity forward
with compassion, courage, and grace. Help us use every word we speak and every action we take to build a more
caring and connected world.

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…

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Beautiful Conversation

When you talk about this, memories come back. And they are NOT all good.  

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…

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