Search found 722 matches

by need403bhelp
Sun May 12, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

Perhaps this has been suggested, but I did not note it. In my state, an assessor (titles may vary) who inspects the suitability/livability of a home for sale (a requirement in my state) probably knows the people to repair any discrepancy - large and small).These assessors have seen it all. Might be...
by need403bhelp
Sun May 12, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

I would have an exterminator do a thorough check of the attic. Could be a lot going on up there which will be your problem once those holes are closed and things start dying up there. Friends of ours had a couple of feet of bat dung in their attic. Definitely. Once you see creatures coming and goin...
by need403bhelp
Sat May 11, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

feel like I'm missing something in the photo. Those are holes...what kind of siding do you have? Simply fixing the holes (to me) won't solve whatever is causing that issue. There's also a huge gap running the length of the home (?) where pests can get in? (between soffit and the wall) To me, this r...
by need403bhelp
Sat May 11, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

A handyman or roofer. Roofers typically also replace gutters, fascia, etc. A siding guy might be able to do it also. As others said, it being a small job will probably make it much harder (along with the height). Why didn't you ask the seller to fix it? Thanks for your suggestions. We did ask for a...
by need403bhelp
Sat May 11, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

A handyman or roofer. Roofers typically also replace gutters, fascia, etc. A siding guy might be able to do it also. As others said, it being a small job will probably make it much harder (along with the height). Why didn't you ask the seller to fix it? Thanks for your suggestions. We did ask for a...
by need403bhelp
Sat May 11, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

Ask a local realtor, particularly if you know a realtor well and believe you'll get an honest recommendation; alternatively the Big Kahuna realtor of the area. Thanks. We are using a rebating realtor to purchase so we may ask him also. He does work in the whole metropolitan area so may not be as “l...
by need403bhelp
Sat May 11, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

For what it's worth, I just had a vaguely similar repair done this week (coincidentally!). Specifically I hired a contractor to replace 5 trim boards just under the roof line. This was in advance of painting, and the contractor did those 5 board repairs (variable length from 4 to 6 feet) for $1,040...
by need403bhelp
Sat May 11, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

If this a "townhouse", that is an attached row house, the exterior MAY be the responsibility of your community association. Check before contracting for any exterior work. The definition of "townhouse" varies from state to state. Ralph Thanks. Unfortunately, we are responsible for all exterior work.
by need403bhelp
Sat May 11, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

When I have had house painting done the company also had a specialist carpenter to do repairs to siding, soffits, new storm window installation, etc. Granted that came along with a substantial painting contract, but they did excellent work and checked everything around the whole house. A different ...
by need403bhelp
Sat May 11, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

It can be difficult to get someone for a job like this depending on your market. It will likely be too small a job for a general contractor and may be to difficult for some handymen (because of the height). In any case, ask your neighbors, your nextdoor site, your local Facebook group for recommend...
by need403bhelp
Sat May 11, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1232

What kind of ?contractor? to fix bird holes in soffit/fascia?

Thank you all for your past help! We are under contract on a 3 story townhouse. Our inspector noted some holes in the ?soffit and ?fascia and we have seen some small birds peeking out of these holes at various times of day (see https://i.imgur.com/nvaWM7i.jpg for a photo). We'd like to hire someone ...
by need403bhelp
Wed May 08, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Re: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

Either get quotes from every insurer and go with the least expensive or Use a top quality provider like Amica, Chubb, PURE or other "high net worth/high value" insurer. They wont argue with you when its claim time. You have to decide what that's worth. I see. Thank you so much for sharing your advi...
by need403bhelp
Tue May 07, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Re: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

I guess my other question would be how much the complaint scores matter. My goal for the insurance is really to provide catastrophic coverage - probably if something is under $100k and surely under $50k, we will NOT be making a claim. Is Kemper more likely to deny a legitimate >$50-100k claim than a...
by need403bhelp
Tue May 07, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Re: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

So far it looks like Kemper may be best based on both price and number of complaints adjusted for market share. Any thoughts? Here's a recent thread on Kemper: https://www.bogleheads.org/forum/viewtopic.php?t=275487 You're only looking at the 2018 complaints. Amguard is so small that a complaint ra...
by need403bhelp
Tue May 07, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Re: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

So far it looks like Kemper may be best based on both price and number of complaints adjusted for market share. Any thoughts? Here's a recent thread on Kemper: https://www.bogleheads.org/forum/viewtopic.php?t=275487 You're only looking at the 2018 complaints. Amguard is so small that a complaint ra...
by need403bhelp
Tue May 07, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Re: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

So far it looks like Kemper may be best based on both price and number of complaints adjusted for market share. Any thoughts?
by need403bhelp
Tue May 07, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Re: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

boglerdude wrote:
Tue May 07, 2019 1:49 am
Use the same co as the HOA, reduces fights if a common area is damaged
Thank you for your advice. Hoa has coverage through “Acord.” Not sure whether they offer homeowners policies.
by need403bhelp
Tue May 07, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Re: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

Did you shop it through your auto insurance co to see if you could get a discount? I have auto through Geico. I tried to get a quote with them online (they are a broker in my state I believe for homeowners insurance) but the system told me I had to call in. I haven’t done this yet as have been quit...
by need403bhelp
Tue May 07, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Re: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

We are closing on a townhouse late this month and I'm trying to shop for insurance. I got three quotes from three separate independent agents, and have quotes for: 1. United Prop & Cas Ins Co (UPC) 2. Kemper Independence Insurance Company 3. AmGUARD Insurance Company (Berkshire Hathaway GUARD Insur...
by need403bhelp
Mon May 06, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)
Replies: 14
Views: 709

Home Insurance: UPC vs Kemper vs AmGuard (Berkshire Hathaway GUARD)

Dear All: We are closing on a townhouse late this month and I'm trying to shop for insurance. I got three quotes from three separate independent agents, and have quotes for: 1. United Prop & Cas Ins Co (UPC) 2. Kemper Independence Insurance Company 3. AmGUARD Insurance Company (Berkshire Hathaway GU...
by need403bhelp
Mon Apr 29, 2019 9:24 pm
Forum: Personal Investments
Topic: When does IRS payment post to my account? [Pay1040.com, EFTPS]
Replies: 15
Views: 1118

Re: When does IRS payment post to my account? [Pay1040.com, EFTPS]

FWIW, I wanted to update for posterity's sake:

1. E-filed on April 15, did not yet see payment in my "IRS account" as suggested previously
2. Received my paper I bonds 4/27 and 4/29 (12 I-bonds total for $5,000 refund). They are dated April 2019.

Thank you all for your help!
by need403bhelp
Sun Apr 28, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Texas: how to hold title to home
Replies: 5
Views: 550

Re: Texas: how to hold title to home

A friendly e-mail sent me this link for you: https://www.lonestarlandlaw.com/Joint-tenancy.html and also this link: http://www.texassageproperties.com/homeowner-info/common-ways-of-holding-title Our home in Texas has my spouse and I both on the title and is held as "joint tenancy with right of surv...
by need403bhelp
Sun Apr 28, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Texas: how to hold title to home
Replies: 5
Views: 550

Re: Texas: how to hold title to home

mcraepat9 wrote:
Sun Apr 28, 2019 6:42 pm
Assuming the source of funds is community property and you are both listed on the mortgage, I believe your home will be community property regardless of how you title it.
I see. Mortgage is in my name only, but funds are from joint accounts.
by need403bhelp
Sun Apr 28, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Texas: how to hold title to home
Replies: 5
Views: 550

Texas: how to hold title to home

Thank you all for your past help! We are under contract on a townhome. I would like to own the house with my wife and I am trying to understand how to title it properly. My lender put, by default "Husband and Wife as Joint Tenants with Right of Survivorship." I was always under the impression that i...
by need403bhelp
Fri Apr 26, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: So few ASHI Home Inspectors in my area...
Replies: 10
Views: 640

Re: So few ASHI Home Inspectors in my area...

Thank you so much for sharing your experience with regards to your father! I am trying to interview all ASHI certified inspectors within a 50 mile radius. I noticed that one of them is also a professional engineer. Do you think this would, in any way, make him a better home inspector? Also, he list...
by need403bhelp
Fri Apr 26, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: So few ASHI Home Inspectors in my area...
Replies: 10
Views: 640

Re: So few ASHI Home Inspectors in my area...

About the codes (state and/or local). They change all the time, typically every 3 to 6 years around here. How old is the house? These inspectors tend to inspect per current code rules. If the house was built 30 years ago, it won't meet many of those rules. They will flag stuff, but it technically i...
by need403bhelp
Fri Apr 26, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: So few ASHI Home Inspectors in my area...
Replies: 10
Views: 640

Re: So few ASHI Home Inspectors in my area...

What kind of engineer? Did you see something when you looked at the house that suggested you need an engineer? For example, if there are cracks in the foundation or other things that suggest movement such as interior doors not staying in place when you open or partially close them, then there is va...
by need403bhelp
Thu Apr 25, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: So few ASHI Home Inspectors in my area...
Replies: 10
Views: 640

Re: So few ASHI Home Inspectors in my area...

ONLY 15 miles away? Will he be traveling by stagecoach? Heck, when I bought my house here the closest competent, trusted home inspector was located in Havre de Grace, an hour and 45 minutes away. Don't be so focused on your "area". It is likely much larger, for some professional services, than you ...
by need403bhelp
Tue Apr 23, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: So few ASHI Home Inspectors in my area...
Replies: 10
Views: 640

So few ASHI Home Inspectors in my area...

Thank you all for your past help! We just made an offer on a home and are thinking about the next step. Both Nolo's Essential Guide to Buying Your First Home 6th Edition and Home Buying Kit for Dummies 6th Edition recommend that one's home inspector be ASHI certified. However, when I check https://w...
by need403bhelp
Sun Apr 14, 2019 5:18 pm
Forum: Personal Investments
Topic: When does IRS payment post to my account? [Pay1040.com, EFTPS]
Replies: 15
Views: 1118

Re: When does IRS payment post to my account? [Pay1040.com, EFTPS]

Yes, https://www.irs.gov/payments/view-your-tax-account 1. Once you create your account and login, you can see the payment history b/c mine posted sooner vs what says on the IRS website and/or https://www.pay1040.com/ Note: irs.gov website is very secure like socialsecurity.gov and I highly recomme...
by need403bhelp
Sun Apr 14, 2019 12:19 pm
Forum: Personal Investments
Topic: When does IRS payment post to my account? [Pay1040.com, EFTPS]
Replies: 15
Views: 1118

Re: When does IRS payment post to my account? [Pay1040.com, EFTPS]

You could try calling IRS to be sure. I used pay1040.com to pay my taxes this yr.....but by automated phone. About 4 days later, I called IRS and they confirmed that it had been received. I see, thank you so much for sharing your experience and for the suggestion. Just to double check - do you mean...
by need403bhelp
Sun Apr 14, 2019 12:05 pm
Forum: Personal Investments
Topic: When does IRS payment post to my account? [Pay1040.com, EFTPS]
Replies: 15
Views: 1118

Re: When does IRS payment post to my account? [Pay1040.com, EFTPS]

Why does OP need to wait for the payment to "post" to file the return? I wouldn't. It's not as though the payments reported on the return are going to be reconciled against the taxpayer's account in real time. I see. So it is okay to go ahead and submit the return without waiting for the payment to...
by need403bhelp
Sun Apr 14, 2019 12:04 pm
Forum: Personal Investments
Topic: When does IRS payment post to my account? [Pay1040.com, EFTPS]
Replies: 15
Views: 1118

Re: When does IRS payment post to my account? [Pay1040.com, EFTPS]

I did this one year. The Ibonds were purchased in May. Pretty sure that taxes were paid the first or second week in April. I see. Did you mail a paper return or E-file? In any case, I guess I don't have a choice unless I want to wait until October to try to get November I bonds (but then I won't ge...
by need403bhelp
Sun Apr 14, 2019 12:04 pm
Forum: Personal Investments
Topic: When does IRS payment post to my account? [Pay1040.com, EFTPS]
Replies: 15
Views: 1118

Re: When does IRS payment post to my account? [Pay1040.com, EFTPS]

took 5 days for my payment to post, you can create an user-id/password at irs.gov to check online for payment posting. Thanks so much. Do you mean the "View your Tax" account site at https://www.irs.gov/payments/view-your-tax-account ? I don't yet see it there under "Recent Payments" but the text r...
by need403bhelp
Sun Apr 14, 2019 11:59 am
Forum: Personal Investments
Topic: When does IRS payment post to my account? [Pay1040.com, EFTPS]
Replies: 15
Views: 1118

Re: When does IRS payment post to my account? [Pay1040.com, EFTPS]

You could try calling IRS to be sure. I used pay1040.com to pay my taxes this yr.....but by automated phone. About 4 days later, I called IRS and they confirmed that it had been received. I see, thank you so much for sharing your experience and for the suggestion. Just to double check - do you mean...
by need403bhelp
Sat Apr 13, 2019 10:57 am
Forum: Personal Investments
Topic: When does IRS payment post to my account? [Pay1040.com, EFTPS]
Replies: 15
Views: 1118

When does IRS payment post to my account? [Pay1040.com, EFTPS]

Dear All, Thank you so much for your past help. I purposely overpaid my taxes due by $5,000 via extension 4868 on pay1040.com to purchase paper I-bonds with my refund. I'd like these I-bonds to be purchased prior to the end of April to lock in the 0.5% fixed rate. Now, my pay1040.com confirmation fr...
by need403bhelp
Wed Apr 10, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

Well, we don't really have an option NOT to use a buyer's agent without the seller's agent getting the full 6% commission (of course, anything can be negotiated, but I don't think this is a great option in our area). We've also done a lot of the leg-work, we've seen 57 open houses in the past year,...
by need403bhelp
Wed Apr 10, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

The second question is, why would you need preapproval for more than 4 months? People who string the home buying process out to six months or more are not really ready to buy for one reason or another. Anyway, if your preapproval is about to expire, you just get preapproved again. If a lender is ta...
by need403bhelp
Tue Apr 09, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

This is how I usually handle things with my buyers. They get pre-approved with the lender of their choice. At this stage the pre-approval has more to do with the type of financing- conventional, FHA, DVA and maximum price. I will talk with the lender and they will let me know if the buyer needs clo...
by need403bhelp
Tue Apr 09, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

This is how I usually handle things with my buyers. They get pre-approved with the lender of their choice. At this stage the pre-approval has more to do with the type of financing- conventional, FHA, DVA and maximum price. I will talk with the lender and they will let me know if the buyer needs clo...
by need403bhelp
Tue Apr 09, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

This is how I usually handle things with my buyers. They get pre-approved with the lender of their choice. At this stage the pre-approval has more to do with the type of financing- conventional, FHA, DVA and maximum price. I will talk with the lender and they will let me know if the buyer needs clo...
by need403bhelp
Sun Apr 07, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

The length of a pre-approval would have little impact on who I choose. Mortgage rates change. What if another lender has a more favorable rate in 60 or 90 days? As others indicated, pre-approval doesn't guarantee approval. In fact, approval (conditional approval) doesn't guarantee approval. After a...
by need403bhelp
Sun Apr 07, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

Preapproval isn’t loan approval, and it doesn’t lock in a rate. Even if you’re preapproved, you will still go through the entire rate locking and loan approval process once you have an accepted offer on a house. And there’s no requirement to get your financing from the place that you got the preapp...
by need403bhelp
Sun Apr 07, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

Pre-approval doesn't mean much more than a pre-qualification letter. Here is one I got today for a client- THIS PREAPPROVAL IS BEING ISSUED BASED ON AN AUTOMATED UNDERWRITING SYSTEM GENERATED APPROVAL. ALTHOUGH AN AUTOMATED UNDERWRITING SYSTEM GENERATED APPROVAL IS VALUABLE, IT IS NOT A FULL LOAN A...
by need403bhelp
Sat Apr 06, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Which lenders give mortgage pre-approval good for >4 months?

Pre-approval doesn't mean much more than a pre-qualification letter. Here is one I got today for a client- THIS PREAPPROVAL IS BEING ISSUED BASED ON AN AUTOMATED UNDERWRITING SYSTEM GENERATED APPROVAL. ALTHOUGH AN AUTOMATED UNDERWRITING SYSTEM GENERATED APPROVAL IS VALUABLE, IT IS NOT A FULL LOAN A...
by need403bhelp
Sat Apr 06, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Mortgage pre-approval: 7 day turnaround, good for 120 days

I guess one thing I'll ask - does anyone know a lender whose pre-approval letter is good for 6 months?

It seems like one may as well get pre-approved with the lender that gives you the longest pre-approval...

Thank you!
by need403bhelp
Sat Apr 06, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Re: Mtg pre-approval: 7 day turnaround, good for 120 days

Pre- qualification letter versus pre-approval letter. I could get a pre-qual letter with a quick online application. Pre-approval carries more weight than pre-qual. I guess the real question then becomes whether or not need403bhelp is in an area where pre-qual vs. pre-approval makes a difference. W...
by need403bhelp
Sat Apr 06, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1365

Which lenders give mortgage pre-approval good for >4 months?

Thank you all for your past help! I last bought our condo ~15 years ago, so I am a little rusty with all things mortgage. We are buying a house soon. Last year, when we did not yet have 20% down, we looked at some profession-specific mortgage loans, and I actually went through and found the lender w...
by need403bhelp
Mon Mar 25, 2019 6:32 pm
Forum: Personal Investments
Topic: Incorrect 1099-INT [Insight], options besides calling bank?
Replies: 23
Views: 1414

Re: Incorrect 1099-INT [Insight], options besides calling bank?

Just wanted to update the thread that after a phone call, 2 certified letters with return receipt (one to Republic Bank of Chicago, one to Insight's parent company Green Dot), one fax, and then some emails, I received a corrected 1099-INT today with the right amount. Thank you!
by need403bhelp
Sun Feb 24, 2019 8:30 pm
Forum: Personal Investments
Topic: Basic TLH/wash sale question
Replies: 46
Views: 3064

Re: Basic TLH/wash sale question

Switching between mutual fund and ETF as part of TLH requires a partial day out of the market, if that is a concern. Mutual fund sales are end of day, so you have to wait till the next market day to buy the ETF, and the price may have jumped one way or the other. Sometimes you win, sometimes you lo...