When you cosign for someone that means if they can't pay you need to pay as they are using your credit and income to qualify. If they cannot afford it and need cosign that means they cannot pay. They should not buy anything if they cannot afford. Please understand.
Fk that I would've taken it to court take their asset if they dont pay!!! You already have the Agreement paperwork...smh UA CA RUAM UA LUAJ. MONEY IS MONEY laws twb tsi k neb tu siab. Es neb scared lawm tusiab!!!!!!
I wish I have that much money to lend everyone 😉. If anyone asks to borrow $5k from me, I would say “I was going to ask you for $5k because I need it too.” Never put your family in the debtor/creditor position. It strains relationships. Only “lend” what you can afford to gift, otherwise just say you don’t have it. Neb ruam dhau lawm!
It’s true!! Family will fawk u over, no matter wat!! Never trust anybody!! If they don’t pay up, kawg foom lawm xwb. It’s their fault for doing u wrong in the first place so if u guys foom them & karma does catch up to them….thats on them.
I also learned my lesson too. We are those who has soft, loving and always giving hearts. We have to learn to say NO even if its our own kids. If you can give away then do it, if not then do not lend/borrow.
If I don't have money I don't buy things. Yog yus ua neeg nyob tsis muaj nyiaj los ua ib yam abtsi txhob pheej yuav mus txais nyiaj. yog yus tsis muaj nyiaj ua lag luag ces yus yeej tsis muaj nyiaj them luag thiab mas hmoob.
I don’t even want to co-sign for my own children. I can’t trust anyone with my credit. If the bank don’t qualify them for a loan, what makes you think that they’re going to be able to pay for the loan? You can’t help and feel sorry for everybody in need. Thank you for sharing your story. Hope you’ve learned your lessons.
Koj yeej hais yog kawg li. Ntawm wb ib khub niam txiv wb yeej tau taxis cov viv ncaus kwvtij lawv lawm thiab. Wb first lub business wb tau taxis 100k wb them 3 lub xyoo xwb. Ua tsaug rau koj zaj dab neeg nawb. Nco ntsoov tiaa tua zoo los muaj tua phem los muaj mog.
People got a lot of nerve to even ask for tens of thousands of dollars. I could never even ask for $20!!! Fool me once shame on you, fool me twice shame on me!
If anyone can’t afford to purchase a house or open a business on their own, why help? You’re not a bank. Those loans are long term. Just said NO, this only hurt you and them short term. The people who hurt you are the closest to you.
I hope you heal sisters. You are to kind and you are left broken. Stay strong and take care of your health. All the good things will come to you soon. ❤
Yog kawg lawm os cas yus nim ua g tau lub siab dub e luag thov txog yus nyiaj ces yus nim ua lub siab zoo muab pub muab luag txais thaum kawg ce CIA li muab pub rau luag lawm xwb O ntshe yus yog tus neeg siab zoo ces yog tus ruam li koj hais lawm xwb o
OMG...the story here exactly 💯 like the story my life. My so called husband scammed me over 400K, my sister borrowed my money around 100K and my borrowed my money over 100K and my ex-husband took more than half of my life savings. Enough is enough. No more money to give and to borrow to anyone. ENOUGH!!!😢😢😢😢😢
Yog heev li os yus cov nyiaj mas yeej tsis muaj nuj qhis li luag cov nyiaj thiaj li muaj nuj qhis xwb os tu siab tshaj li os😢😢😢kuv tus txiv wb twb raug txoj kev ko los lawm os😢😢😢tu siab chim siab kawg li os
Hope karma comes to those who use others finances and not return. Without them you wouldn’t even be able to start your business. When people see money they turn greedy AF.
You could’ve save you guys the headache and just be blunt. “No” up front and having them hate you is easier than “Ok” and having to run around and fight to get what is owed to you back. Peoples words don’t hold any value nowadays.
They thought “family” would never do you wrong… unless you have this kind of family or friends you will never understand. I don’t wish this on anyone but I think you should get a taste of it so you’ll know how much it hurts. Than you won’t be saying you don’t feel sorry for people with a good heart.
Niam yog txoj me kev hlub es qev tas los qev dhua os. Pab koj tu siab kawg vim cov qev los niam tsis txawj xav li thiab. Peb ua neeg nyob ces tus zoo niam yog yus xwb os. Txij tua yus lawm ces yus niam lav tsis tau li os. Yus xav zoo es thiab li txais rau luag thiab tsis lawv tsis xav tem ces lawv cov yus mus hais phem2 kawg li. Cov neeg ua lawv tuaj txais yus es lawn cia li txub yus na cov no yus yuav tau ceev faj thiab nawj. Kuv los yeej kawm tiav lawn thiab os. Ziag no ces yog mua ces muab 1 mus rau 2 puas pab lawn xwb es thiaj li yog qhov zoo.
DO NOT co-sign or loan money to anyone (other than your spouse). Especially if they do not qualify through a bank. You will only be setting them up for failure. There is a simple mathematical system that assess the risk and if the bank denies the loan, they’ve already calculated that the person cannot pay them back. They look at work history, income, credit score, current bills/loans, etc. It’s not about being siab pem or siab zoo. It’s about being smart and assessing the risk. This could’ve been avoided.
Dang, how are some people so shameless? Big lesson learned. Either say no or do everything the right way with legal documentation. Even your own family can screw you over.
Txais nyiaj rau tus ze2 li KJ ces qhov lawv yuav them tus ces tsawg lawm xwb os yog xav tias muab lawm es tsi yuav rov lawm ces mam muab xwb os kv twb ntsib los lawm thiab os
Tus me niam tsev aw Tsis yog koj tus txiv neb ruam os vim yog txoj kev hlub txoj kev siab muag es thaum lwm tus txais nyiaj nej thiaj yig tsis dhau thaum kawg nej thiaj raug kev nyuaj siab os. Kuv ces twb kawv tiav lawm thiab os niaj hnub no kuv thiaj tau lub npe phem npe qia dub os.
That is too much money to be borrowing to anyone inckuding siblings. This is America, they want a large amount, they can make their own loans. If they dont qualify then they dont. Dont go to the exhenr. Have boundaries.
I have a brother-in-law who used to ask us to help co-sign this and that for them and I always tell my spouse no because the way my BIL and his wife live their lives I don’t trust them and I’m glad we never co-signed for him. They disliked us but I didn’t care because I know how they are. To this day they can’t even provide a shelter for their family. Their children are the ones who have to provide shelter for them. Sad but not our problem. I’m happy we told them we had way too many debts. Sometimes you have to just say no or make up excuses not to co-signs anything for siblings. 🤷
Yup cosigned for a family for a house with the promise to refinance after a couple years. We now on year 4, no refinance. Never again. If you cant be responsible to have decent credit, dont bet on siblings. If you cant pass the credit/income screening that means you cant afford it.
Txua yam txua tsab no yog tim tus muam tus yawj xwb yus pob nyiaj na yus tsis qiv rau luag yerj tsis tau na tim neb hlub lawv ne peb ua nus muag nyob txhob hlub hlub luag nawb tus txhais nyiaj lo xav xav txais txua yam muab ua yus npe rau luag nyob txhob qiv nyiaj os tus nus siab phem li lo cas tus muam tseem txais nyiaj na sib nraij lo cia nrauj mus tus muam lo ntsaw ntsaw hlub tus nus as tim tus muam tus yawm yij ua yooj yim dhau os
Sounds like you don’t know how to draw boundaries! Something a lot of hmong people can’t do because they don’t want the other person to tu siab. You have to face your own reality. Dreaming of buying a home is different from if you can afford a home. *** people will betray you; money doesn’t so choose money 😂
You should know if they cannot financially get a loan by themselves, you should not be loaning or cosigning anything to them. Even the banks know they are at risk.
Neeg siab zoo ces yeej yog tus swb tas li xwb os....tseg txoj kev ua npe rau lwm tus yuav vaj tse thiab txais nyiaj rau lawv, nyiaj muaj ntau tom bank kom lawv mus txais tom bank.
This is why you dont cosign for anyone....it can break family. Also idiots co signing left and right and borrowing money to everyone its your own fault.
When you cosign for someone that means if they can't pay you need to pay as they are using your credit and income to qualify. If they cannot afford it and need cosign that means they cannot pay. They should not buy anything if they cannot afford. Please understand.
Fk that I would've taken it to court take their asset if they dont pay!!! You already have the Agreement paperwork...smh UA CA RUAM UA LUAJ. MONEY IS MONEY laws twb tsi k neb tu siab. Es neb scared lawm tusiab!!!!!!
I wish I have that much money to lend everyone 😉. If anyone asks to borrow $5k from me, I would say “I was going to ask you for $5k because I need it too.” Never put your family in the debtor/creditor position. It strains relationships. Only “lend” what you can afford to gift, otherwise just say you don’t have it. Neb ruam dhau lawm!
Seriously everyone who sends May a story, they’re so rich. We need their secrets.
What kind of business or hobs they do? Not believable.
@@Hmong664 broke peoples’ life is boring so they don’t have a story to tell May. 🤣
@@Hmong664Yog kawg
Too OG.
It’s true!! Family will fawk u over, no matter wat!! Never trust anybody!! If they don’t pay up, kawg foom lawm xwb. It’s their fault for doing u wrong in the first place so if u guys foom them & karma does catch up to them….thats on them.
I also learned my lesson too. We are those who has soft, loving and always giving hearts. We have to learn to say NO even if its our own kids. If you can give away then do it, if not then do not lend/borrow.
You should not lending money for them? There a lot bank.....out for them go loan money 💰
If I don't have money I don't buy things. Yog yus ua neeg nyob tsis muaj nyiaj los ua ib yam abtsi txhob pheej yuav mus txais nyiaj. yog yus tsis muaj nyiaj ua lag luag ces yus yeej tsis muaj nyiaj them luag thiab mas hmoob.
I don’t even want to co-sign for my own children. I can’t trust anyone with my credit. If the bank don’t qualify them for a loan, what makes you think that they’re going to be able to pay for the loan? You can’t help and feel sorry for everybody in need.
Thank you for sharing your story. Hope you’ve learned your lessons.
Nyiaj mus ces nyiaj luag2 nyiaj tov cas nyiaj dub muag ces zoo li no ma 😢
There is different way to love them and not about giving them over 10k or more
Koj yeej hais yog kawg li.
Ntawm wb ib khub niam txiv wb yeej tau taxis cov viv ncaus kwvtij lawv lawm thiab. Wb first lub business wb tau taxis 100k wb them 3 lub xyoo xwb. Ua tsaug rau koj zaj dab neeg nawb. Nco ntsoov tiaa tua zoo los muaj tua phem los muaj mog.
People got a lot of nerve to even ask for tens of thousands of dollars. I could never even ask for $20!!! Fool me once shame on you, fool me twice shame on me!
If anyone can’t afford to purchase a house or open a business on their own, why help? You’re not a bank. Those loans are long term. Just said NO, this only hurt you and them short term. The people who hurt you are the closest to you.
Ua CAs muaj nyiaj tsi coj mus ua si kom lom lem thiaj tsim nyog txoj Kev khwv os.
Lawv aw.....cov pluag ces cia nws pluag nws mus nawb....neeg pluag siab yeej siab phem mog kuv ces mag cis fij cis tom os mog neeg siab zoo ces kawg quaj cia xwb os cov neeg txais yus nyiaj ces txhob txais ntxiv lawm nawb lawv txom nyem cia nws txom nws nawb txhob pab ntxiv lawm os
LEARN HOW TO SAY NO !!!
Ugh!!why am I so irritated listening to this story.. I need some money too , let me borrow some money !!!
@@macymango4134 you mean “have” not borrow. 🤣
I’m super agree with you.
People just never learn
I hope you heal sisters. You are to kind and you are left broken. Stay strong and take care of your health. All the good things will come to you soon. ❤
Yog kawg lawm os cas yus nim ua g tau lub siab dub e luag thov txog yus nyiaj ces yus nim ua lub siab zoo muab pub muab luag txais thaum kawg ce CIA li muab pub rau luag lawm xwb O ntshe yus yog tus neeg siab zoo ces yog tus ruam li koj hais lawm xwb o
OMG...the story here exactly 💯 like the story my life. My so called husband scammed me over 400K, my sister borrowed my money around 100K and my borrowed my money over 100K and my ex-husband took more than half of my life savings. Enough is enough. No more money to give and to borrow to anyone. ENOUGH!!!😢😢😢😢😢
Wow. Are you hiring? With that kind of money I could change my whole family life.
@sikamoua6760 YES. YOU ARE HIRE. It is very true that you can do a lot with that money. Never ever trust anyone, but yourself.
Nyoos neb lawm thiab os, 1 zaug tas los 2 zaug tuaj tsis tim leej twg tim neb xwb
Yog heev li os yus cov nyiaj mas yeej tsis muaj nuj qhis li luag cov nyiaj thiaj li muaj nuj qhis xwb os tu siab tshaj li os😢😢😢kuv tus txiv wb twb raug txoj kev ko los lawm os😢😢😢tu siab chim siab kawg li os
Hope karma comes to those who use others finances and not return. Without them you wouldn’t even be able to start your business. When people see money they turn greedy AF.
Kuv twb yuav laug mag thiab,vim yus lub siab zoo mog muas yus hlub lawv yus xav Tias lawv yuav zoo Li yus,Tiam sis Thaum lawv tau yus Li nyiaj lawm mas lawv pom yus lawv ntshai yus npaum nkaus Li yus yog tsov yuav Tom lawv.kuv mloog Koj zaj no mas kuv hlub neb kawg thiab,kuv g thwm Tias yog neb ruam,Tiam sis kuv xav tias neb siab zoo mog muas hlub lwm tus Li peb xav,Tiam sis cov neeg ntawd siab phem ua Kom yus pluag thiab tuag kiag xwb g hlub yus, yuav tau ua siab tawv g txhob ruj tus qub neev taw lawm.
If you don't qualify for a loan, then you should never ask anyone to co-sign.
You could’ve save you guys the headache and just be blunt. “No” up front and having them hate you is easier than “Ok” and having to run around and fight to get what is owed to you back. Peoples words don’t hold any value nowadays.
This one should be titled, "Neeg hlwb RUAM yog tus swb" LOL! I don't feel sorry for this couple at all. They think they are an ATM machine. 😂😅
LOL! Title spot on for this story. Had the biggest headache listening to this lady. Even May sounds relieved the story was OVER after she told it lol
They thought “family” would never do you wrong… unless you have this kind of family or friends you will never understand.
I don’t wish this on anyone but I think you should get a taste of it so you’ll know how much it hurts. Than you won’t be saying you don’t feel sorry for people with a good heart.
Wow.... Thieves disguised as siblings
qhov tseeb yog yus tshuav luag nqi , yus thiaj txais nyiaj rau luag siv.
Cov tib neeg npav khu noj khuj haus muaj lub siab lim hiam lis ntawd nws yeej mus tsi txog twg ib hnub twg cov nyiaj ntawd yuav los ua vij ua swv rau nws xwb mas.
Ntuj os niam ntsuab teev aw!! Kuv ua tus tswv no thiab koj tsaug os 😢😢😢 kuv kawm tiav Los ntawm neb lawm os😮😮😮
U guys really are leas than smart
Yog tshaj li os lawv aw kv los kuj ib yam thb os yog kv them tsis tau ces kv yeej tsis xum txais li o
Kuv ces hais txog yus cov nus muag xwb ces tsa chin dawb lawm os. Ua zoo tau phem thaum kawg yus poob peev
nyiaj mus nyiaj luag luag, thaum nyiaj yuav rov qab los nyiaj quaj quaj los los kua muag,
thaum nyiaj mus nyiaj zoo zoo siab thaum nyiaj yuav rov qab los nyiaj dub nyiaj lis nciab yog tej no ib tsoom hmoob
Koj hais yog lawm os
Yog kawg nyiaj khwv nyuab2 li os 👍👍👍👍
Neb mas tsuav lawv nqi xwb os cas hmoov yuav phem ua luaj os txob ntseeg neeg yooj yim os mog
Viv ncau ce muaj coob lo tsi sib hlub ce tsi ntshaw
พี่น้องของครอบครัวเราก็ขี้โกงแบบนี้จ้าแต่สุดท้ายชีวิตเขาก็ตกต่ำ บางคนหนี้ท่วมหัว บางคนชีวิตคู่หย่าร้างยากจนสุดๆเพราะความอยากได้ของคนอื่นแล้วไม่ยอมจ่าย
ใช้ค่ะมันคือความจริงเลย เรายื่งเป็นคนดียิ่งถูกกระทำ
Yog kawg tsis muaj kwv tij viv ncaus los txhob tu siab nawb.......
Pab niag muam nus txiv laus txiv hluas no tsi txawj sib hlub kiag li os
Niam yog txoj me kev hlub es qev tas los qev dhua os. Pab koj tu siab kawg vim cov qev los niam tsis txawj xav li thiab. Peb ua neeg nyob ces tus zoo niam yog yus xwb os. Txij tua yus lawm ces yus niam lav tsis tau li os. Yus xav zoo es thiab li txais rau luag thiab tsis lawv tsis xav tem ces lawv cov yus mus hais phem2 kawg li. Cov neeg ua lawv tuaj txais yus es lawn cia li txub yus na cov no yus yuav tau ceev faj thiab nawj. Kuv los yeej kawm tiav lawn thiab os. Ziag no ces yog mua ces muab 1 mus rau 2 puas pab lawn xwb es thiaj li yog qhov zoo.
Going through that shit right now!
Tsis yog neeg siab zoo, tiam sis yog neeg tsis to tsib xwb
Yog tshaj plaws li os niam ntsuab teev aw... kuv ces yuav tsum kawm koj zaj dab neeg no kom tiav lauj
Good lesson....zoo siab neb cauv lawm mas....hahaha
Wb ob niam txiv lo mag lub ko heev kawg li tab sis mas cov neeg phem ntawv lub neej tsis txog twg li nawj poob qab yus lawm deb kawg li
Now you both graduated!
Funny story.
Good 222 👍👍👍👍👍👍
DO NOT co-sign or loan money to anyone (other than your spouse). Especially if they do not qualify through a bank. You will only be setting them up for failure. There is a simple mathematical system that assess the risk and if the bank denies the loan, they’ve already calculated that the person cannot pay them back. They look at work history, income, credit score, current bills/loans, etc. It’s not about being siab pem or siab zoo. It’s about being smart and assessing the risk. This could’ve been avoided.
Tim koj ntag koj tus txiv twb yeej hais koj nes koj ruam koj khav2 koj muaj nyiaj muaj credit zoo koj tsab ntse ntag ruam dlau lau tus me niam tsev aw
yog kawg 😢😢😢😢phem tiag2.yuav npam xwb mas
Never ever in a business with family, money is evil 😈 💯
Since u guys r "siab zoo zoo" & very generous, can I borrow some money too, I need to start a business? 😅
Niam ntxawm. Kuv yog koj ib tug fan nyob nyab laj teb. Kuv nyiam koj cov dag neeg heev. Kuv yuav qhia kuv niam mloog koj cov dag neeg saib puas npam tau kuv niam. Kuv twg tsis tau qhia kuv niam mloog ces kuv niam twg tso peb lawm.😢😢😢😢😢
Yog lawm os kv ces yog 1 tus nyob ntawm no thiab os,kv nim niaj hnub xav tiaj tshe tiam tag los kv ntsuav lawv nqij swb 😢😢
Yg kawg yus ua siab zoo ces yeej mob yus dua😢
Neb ib niam txiv ntawm ko ruam dhau qhov ruam lawm ces tsis muaj leej twg pab tau neb lawm os. Muaj tib hom teeb meem qub xwb tab sis yus yeej tsis tso tseg li ces ntshe yog neb muaj nyiaj dhau lawm es tsis muaj chaw rau ces pab tsis tau.
Kuv ce yog tu neeg cawm kuv tsev neeg thaum kawg kuv cov Viv ncau tseem siab phem li koj thiab kuv twb mag mag txaus lawm os
Yog 100%
Abbbb yuam sister aw koj zaj dab neeg cas yuav raug kuv lub neej ua luaj li thiab os
Cas zaj neej neeg no yog li kv tus nyab tus nus ua rau kv li os tu siab kawg os
Kj hai yog tshaj plaws li os tus siab kawg
OHHHHHH!!! THIS STORY GIBES ME HEADACHES!!!
Niam laus e kuv mloog2koj cov dab neeg ezoo2mloog e kuv gnco sau ntawv txhawb dej siab rau koj li o ca tham tau zoo mloog kawg lio
Yog ib lo tsis yog ib lo thiab.
Ua cas dab neeg txim dag ua luaj 😂😂 zoo li neb ob txiv no kawm tsis tiav li vim neb ntse hla hlo lawm ne😂😂
Awb cas rau kv lub qes ua luaj li thb os yus cov neeg siab zoo ces mob tasli xwb os
cov neeg zoo cas tsis tau zoo li os niam laus ua rau yus tsis xav ua zoo li lawm tiag
Neeg siab phem mas nws nyiam tsim tus ntawm xub ntiag ua ntej
Dang, how are some people so shameless? Big lesson learned. Either say no or do everything the right way with legal documentation. Even your own family can screw you over.
This is what happens when your to nice!
เรื่องนี้ตรงกับชีวิตฉันมากเป็นคนดีแต่ไม่ได้ดี
I can relate to this story. People like that are so effing ungrateful. I have helped a few of my biological family members and got burned like that!
Hmoob txoj Cai quav dev ces zoo li no tiag. Neb ntse tsi tau txaus tseem yuav poob 2 zaug ntxiv thiab naw
Es zaj no kab lia niam neej vam twb muab tham lawm sav
Oh yau neb ib niam txiv mas yom tim yus thiab xwb
Txais nyiaj rau tus ze2 li KJ ces qhov lawv yuav them tus ces tsawg lawm xwb os yog xav tias muab lawm es tsi yuav rov lawm ces mam muab xwb os kv twb ntsib los lawm thiab os
Tus me niam tsev aw Tsis yog koj tus txiv neb ruam os vim yog txoj kev hlub txoj kev siab muag es thaum lwm tus txais nyiaj nej thiaj yig tsis dhau thaum kawg nej thiaj raug kev nyuaj siab os. Kuv ces twb kawv tiav lawm thiab os niaj hnub no kuv thiaj tau lub npe phem npe qia dub os.
That is too much money to be borrowing to anyone inckuding siblings. This is America, they want a large amount, they can make their own loans. If they dont qualify then they dont. Dont go to the exhenr. Have boundaries.
I have a brother-in-law who used to ask us to help co-sign this and that for them and I always tell my spouse no because the way my BIL and his wife live their lives I don’t trust them and I’m glad we never co-signed for him. They disliked us but I didn’t care because I know how they are. To this day they can’t even provide a shelter for their family. Their children are the ones who have to provide shelter for them. Sad but not our problem. I’m happy we told them we had way too many debts. Sometimes you have to just say no or make up excuses not to co-signs anything for siblings. 🤷
Im not even mad at everyone that took advantage of you guys…because you let them….again and again and again!
Yup cosigned for a family for a house with the promise to refinance after a couple years. We now on year 4, no refinance. Never again. If you cant be responsible to have decent credit, dont bet on siblings. If you cant pass the credit/income screening that means you cant afford it.
Ham tsis
Txua yam txua tsab no yog tim tus muam tus yawj xwb yus pob nyiaj na yus tsis qiv rau luag yerj tsis tau na tim neb hlub lawv ne peb ua nus muag nyob txhob hlub hlub luag nawb tus txhais nyiaj lo xav xav txais txua yam muab ua yus npe rau luag nyob txhob qiv nyiaj os tus nus siab phem li lo cas tus muam tseem txais nyiaj na sib nraij lo cia nrauj mus tus muam lo ntsaw ntsaw hlub tus nus as tim tus muam tus yawm yij ua yooj yim dhau os
Sounds like you don’t know how to draw boundaries! Something a lot of hmong people can’t do because they don’t want the other person to tu siab. You have to face your own reality. Dreaming of buying a home is different from if you can afford a home.
*** people will betray you; money doesn’t so choose money 😂
I agree I been there and done it. 😢
Yus hlub luag tabsis luag tsis hlub yus li os.
You should know if they cannot financially get a loan by themselves, you should not be loaning or cosigning anything to them. Even the banks know they are at risk.
Lub ntuj pom os mog
zoo siab os uas neb 2 niam txiv kawm tau Doctor tau degree tsis ib yam li kuv lawm thiab os
There's NO such thing as a co-sign for a house. It's a co-ownwer. You'll be stuck with all the bills.
Neeg siab zoo ces yeej yog tus swb tas li xwb os....tseg txoj kev ua npe rau lwm tus yuav vaj tse thiab txais nyiaj rau lawv, nyiaj muaj ntau tom bank kom lawv mus txais tom bank.
Yog ma cov neej no ma kv g nyiam kiag li nawb
This is why you dont cosign for anyone....it can break family. Also idiots co signing left and right and borrowing money to everyone its your own fault.