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MidnightX

I have had good luck with ETSY as well. Studio3DX is the best I have found so far. That company currently has a 5 star review with sales of 46,811 and they ship the same day. The ear straps are adjustable, the mask fits well, is comfortable, and in my opinion looks good. It also includes a pocket f...

MidnightX

I have had good luck with ETSY as well. Studio3DX is the best I have found so far. That company currently has a 5 star review with sales of 46,811 and they ship the same day. The ear straps are adjustable, the mask fits well, is comfortable, and in my opinion looks good. It also includes a pocket fi...

MidnightX

For anyone who has a Kindle, the following Instant Pot cookbooks are either $0.00 or $0.99 on Amazon. I got them on 6/1 and they are still that price now although I don't know how long they will stay discounted. These are non-unlimited versions. There may be others in this price range but I didn't c...

MidnightX

I see some risks if anyone could address Everyone understands during forbearece you don't have to pay... but How do you find out if you have to pay interest on top of the deferred interest? I've read they cant mark you late, however they CAN note you are under forbearance, which will hit your credi...

MidnightX

For reference, listed below are some of the FAQs from my mortgage company's website. My takeaway (specific to my mortgage company) is that after the 90-day forbearance period the entire missed mortgage payments become due unless you are qualified for any of the available options offered. So the full...

MidnightX

That is very kind of you to be providing services even though you have the choice not to have to do so. Another approach for your home office setup is to modify how you are sitting at the computer and then try simple add-ons to see what works best for you. You may find that the height of your chair ...

MidnightX

I have loandepot with a 3.25% rate which they are promising to cover closing costs except appraisal fee ($450), which they think may be waived once the loan is underwritten (another lender has waived the appraisal fee). I'm frustrated because the rate went up almost 0.5% between Tuesday morning. Ar...

MidnightX

From LenderFi's Home Page on 3/7/2020. Important Message: LenderFi is committed to offering the most competitive rates in the country with high customer service and closings in just a few weeks. Given the high volume of loans coming in we are not able to offer the service LenderFi was founded on, s...

MidnightX

Need some advice guys. So refinancing to a 10/1 ARM at 4.125 percent with 410,906 left on a 420,000 mortgage. The new mortgage is 30 year fixed rate mortgage at 3.0 percent on the same amount. I am doing it from a federal credit union and they are giving me the following costs 1. Closing costs 6,20...

MidnightX

I bought The Ultimate Garden Broom from Costco a while ago and love it. Definitely not for heavy duty raking chores but it has a lot of other uses. From the website, "This broom works like a broom but it acts like a rake! The broom is ideal for cleaning decks, walkways, patios, driveways, pathways, ...

MidnightX

I could use some guidance on which of the HELOC options shown below would be best for me. I applied with my credit union to increase my HELOC limit. I plan to use the HELOC toward the down payment on a multifamily investment home in about 2 years. Once I close, I would refinance and pay back the HEL...

MidnightX

I am not ready to officially "lock in" a rate as it seems the longer the lock-period the higher the interest rate. Are you able to determine when the lower rate would kick in? In other words, if you lock in now the lock-period rate would be higher, but if you wait until _____ the lock-period rate w...

MidnightX

The best things in life.... aren't things.

MidnightX

Also, get a second opinion even though it will cost an additional office visit. I had a sick cat and the vet kept trying treatment after treatment. When he suggested removing one of its kidney, I took the cat to a different vet who said the cat had leukemia and removing its kidney would do no good. ...

MidnightX

I would suggest that you not express "we'll do whatever it takes" to get him/her better, even if you will. You, and probably most others here, know not to do that, but I slip every once in a while and quickly realize I have given them free rein to charge me whatever they want and to perform any unne...

MidnightX

I think it is serious for the most part until you get to this part of the equation.

If you can't fully fund your ... vacations and luxury items ..., then you bought too expensive a house.

MidnightX

I should add while on this subject, if there is a conflict between the GFE and the TIL, the buyer should contact their lender to find out why there is a difference. The lender would then send out a corrected GFE or TIL, if needed. However, the HUD-1 is the final form of the GFE and the TIL. When a b...

MidnightX

Is a TIL a good faith estimate that is different than a Good Faith Estimate? P.S. the term Truth in Lending is usually used when talking about credit cards, not mortgages. http://en.wikipedia.org/wiki/Truth_in_Lending_Act It is also known as Regulation Z http://www.fdic.gov/regulations/laws/rules/6...

MidnightX

Ask your lender for a Truth in Lending Statement which is governed by the Truth in Lending Act, to see how it compares to the other documents. This document is different than the GFE. A truth in lending (TIL) statement contains information regarding the annual percentage rate, the finance charge, th...

MidnightX

One of the off-road sites I visit created an "Asbestos Lined Room." No thread gets lock... it just gets dumped into that forum and they let everyone have at it. Somewhat entertaining at times, although I certainly wouldn't suggest it for this site.

MidnightX

If you haven't closed yet, you can back out. However, you will lose your deposit and there is a chance that the seller could sue you for losses, if any, they incurred because of the home being off the market while in escrow with you. You may even have to reimburse the escrow company for the work the...

MidnightX

i emailed them askign them to remove /delete them but have received no respons ? If they are like me, they never log into their gmail account or it went into their spam folder. I am not sure if a reverse email lookup site would be helpful. There is usually a monthly charge and I don't know how effe...

MidnightX

Apparently Provident has a rate discount code available. http://www.fatwallet.com/forums/finance/788032/?start=14800. However, Provident has a $1,000 origination fee so I am not sure if that cancels out the discount in the larger picture. I would try provident. They have great rates, and you can use...

MidnightX

I have investigated cloud computing for my lawfirm. Google has no idea (as yet) how to deal with the e-mail needs of a lawfirm which include maintaining protections for confidentiality of our client's information; access to years of past communications; ability to implement both e-mail retention an...

MidnightX

I have a fire pit in my yard. The first time I used it, a neighbor called the fire department because they saw the smoke and thought there was a fire. It was somewhat embarrassing when the fire department showed up in front of my house with sirens blaring. The firemen suggested that if I use the fir...

MidnightX

Is it still a problem reusing a password if each account has a differnt user name? I realize usernames are not for security, but I always thought the two go together. I formerly worked for a real estate company. I was able to see what properties the user viewed, how long and at what time of the day...

MidnightX

My favorite password generator: GRC's | Password Haystacks: How Well Hidden is Your Needle? Just pick a pattern that you can remember, the rest will fall into place. The point is that the length of the password matters more than the randomness, within reason. Don't make it easy to guess, as there ...

MidnightX

I believe most people are now aware of yelp and business people are realizing the importance of a good review. Recently, just name dropping (yelp) has made a big difference in my getting good prices and quality work. If a contractor is under the impression that you may be inclinded to review them on...

MidnightX

It is a very reasonable request for any realtor (commercial or residential) to first be sure you are pre-qualified because it costs them time and money to show properties. There are a lot of looky-loos out there that waste a realtor's time when they could be focusing on people that do qualify. Do th...

MidnightX

I loved my 1985 CJ7 Jeep Renegade 5 spd. I bought it new and sold it at 200,000 miles. Unreliable, bad gas mileage, noisy, uncomfortable, no trunk or storage area to speak of, stiff bumpy ride, limited on number of people you can fit, tough to drive in high wind areas (high center of gravity). Not a...

MidnightX

If you don't have a Realtor I would call the listing agent of the neighbors and ask them to inspect your house and do a CMA (comparative market analysis) for your home. This should tell you what similar homes are selling for but it is the agent that can tell you if the market is moving up or down s...

MidnightX

Samsung fixed my out of warranty tv and I did not have proof that I purchased it. I believe they go by the date it was manufactured and then add a reasonable time in which it would have been sold and, therefore, didn't need the receipt. Be prepared to give them the model number and serial number whe...

MidnightX

If an inspection is included with your oil change, the time and cost to drive to the appointment may be worth it, especially as your vehicles ages. However, be sure to get a second opinion elsewhere to be sure the work is needed and the price is fair.

ETA: Trying to be more Chaz-like.

MidnightX

The 800 number is totally automated and I can't get a person, but by entering the claim number it said that I owe them like $80. Paul Uh oh. The calls may increase since they now know they have a "live one" to harass, whereas if you didn't call back and enter the claim number you would not have bee...

MidnightX

Ha ha! Once upon a time, if I were the OP asking the same question and only one person out of 100 suggested I buy a new car, incur the new payments and sell the old perfectly working vehicle,I would take the advice to buy the new car. Maybe OP is hoping the same thing?

MidnightX

Maybe you can nail down a definitive answer to this question. My answer would have been April 6, 2021.

Was wondering when Nisiprius will hit 100,000 posts?

http://www.bogleheads.org/forum/viewtop ... st=1393682

MidnightX

There was another BH post that I can't find right now, but someone suggested a mold detector and provided some links to Amazon. I believe this is one of the devices that was suggested. http://www.amazon.com/General-Tools-MMD4E-Digital-Moisture/dp/B00275F5O2/ref=sr_1_7?s=hi&ie=UTF8&qid=1337296402&sr=...

MidnightX

I thought there were serious problems with the appraisal, but let it go because I was told in writing (email) by the lending company agent that "Value came in at 450k, lower than original estimate however, you will receive same pricing." … the original terms are not being met, and I was told in wri...

MidnightX

Selling at Amazon.com > Returns, Refunds, & Cancellations: http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nodeId=1161246#return Amazon Marketplace sellers are required to accept returns even if the merchandise was exactly as described. If you refuse to accept the return of an item that ...

MidnightX

Here is a link to ongoing current listings and discussions of the "Best Balance Transfer Cards." http://www.fatwallet.com/forums/finance/902958/?start=1160 I have see a few posts lately where people are paying high interest rates, so your post could be a relief to some with high interest debt who ca...

MidnightX

This prior thread might be helpul to you. http://www.bogleheads.org/forum/viewtop ... =3&t=83068

MidnightX

If money is not a consideration and you are due for an upgraded radio, the Kenwood DNX9980HD is the way to go. Drool! I have an older model and the Garmin GPS is outstanding. However, the system is a Double-DIN (4" opening required). Oh, and it costs over $1k. :| http://www.crutchfield.com/p_113DNX9...

MidnightX

MidnightX, wow, the Beachcomber at Crystal Cove looks amazing! When I put in the date and # in our party on OpenTable, it said they are full for the next 8 weeks for 2.5 hours on either side of the time I wanted reservations. So, no luck there for dinner, but I'm hoping to walk in for breakfast one...

MidnightX

Here is a link to opentable for Newport Beach. You can check out the diners' reviews and read the restaurant descriptions to see which restaurants suit your purpose. http://www.opentable.com/ca/newport-beach-restaurants It looks like the Beachcomber is pretty popular. "The Beachcomber at Crystal Cov...

MidnightX

hoppy08520 wrote:One thought, if you make any charitable donations or tithe, it could be advantageous for you to do this with some of your stocks.

Like a wash sale? http://www.bogleheads.org/forum/viewtopic.php?p=717895

MidnightX

I ran across liquidation.com that is an auction site that handles returns, shelf pulls, salvage and new items from Macy's, Costco, Walmart, Best Buy, Sam's Club, Autozone, etc. At first I would look at a manifest of a particular lot and would see one or two things that I would normally buy and, for ...

MidnightX

Artificial grass was the best solution for me for my back yard. I have 10,000 square feet of property and live at the end of a cul-de-sac with a small front yard. The rest of the property was either dirt (mud) or troublesome grass. I bought the artificial grass from Costco and installed it myself. I...

MidnightX

I have just about finished reading From Sea to Shining Sea by James Alexander Thom. It is an epic 896 page novel that includes the Lewis & Clark expedition, the Revolutionary War, and the many other historical milestones that shaped our Western civilization. It was rated 4.16 out of 5 from 453 ratin...

MidnightX

My firm's 401k benefit options and defined contributions plan were changed at the beginning of 2012. And trust me, they have become very cost conscious in the last few years. Maybe they are striving to become more competitive in recruiting personnel? Or, maybe it's because we have some Bogleheads at...

MidnightX

Now you got me interested. I might contact the local unemployment office about what an employer can ask and job applicant should offer regarding health issues. The Americans with Disabilities Act addresses part of this question. Here is a short quote from the Act, although you may want to read the ...

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