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  1. check out this pre-qualified offer! Even better, the Card you've matched with has exceptional perks so don't wait. under the comment above it says plantinum/blue cash preferred/ amex everyday IIB amex in 2005 and had 2nd bk in 2014. and ive always read you are blacklisted forever. so does prequalified really mean id get one of those? i sure dont need a 550 a year card but its nice to know if i can get it
  2. since i have very little experience with attys, is it normal to take 3 months to get a fee schedule out? just was bizarre that she met him in september and just got the fee schedule in the past week. i worry his timeliness on other matters may be reflective of this as well. i would have thought attys want to get a client signed up and paid within a week after meeting them. maybe his workload is too much but you really cannot ask that can you? something is just bizarre about that fact alone.
  3. to be clear the executor is the wife and she will take no fees because she gets all the money in the end. so by your statement above it seems you agree since the executor is doing al the work theres no way atty should get 55K its the atty fees that i have serious issue with. there are additional things i didnt mention above and i dont even know them all but i know there's a 300K account at etrade. she did the calculation based on all the probate and non probate things according to the atty schedule and she said it was 55K in fees. plus why does an atty get 2 percent of
  4. friends hubby died with no will and ive been trying to read up/learn about probate etc. she went to one atty and it took 3 months to get her a retainer agreement but i read through it and it says he gets 2 percent of non probate assets. that seems insane for doing virtually no work. the house isnt probate and is worth over 300K so he gets 6k for what? no need to change the deed etc. or for accounts that had beneficiaries and she already has moved the money to her name, why does he get 2% of that for doing nothing but listing it on a form?. even for basic things like the 3 or 4 stoc
  5. well it also sounds like at least i wont be penalized for having the stall down the studs now since i have a working tub shower i have started to rip down the wallpaper too so its very much a work in progress in there. started staining the old cabinet too.
  6. i have an appraiser coming out for my refi next week. just wondering how appropriate to ask them question about house value and what affects it. obviously i dont wanna be a nagging nancy but i figure 2 or 3 questions peppered during the visit may be ok to ask namely i'm interested in if a shower stall increases the value of a home (tub/shower is there as well). so the stall can be considered a luxury i guess. also i always wanted a kitchen lsland so curious if that adds any value or just a luxury for me. i do want those things for myself but if someone objectively cam
  7. i have a friend that will be depositing some sizeable sums (already is setup with other accounts there) and would get the advisor at the low vanguard rate. where she had the money before wanted 1 percent which i understand is probably the norm in the industry. i def prefer the professionals pick the initial investments for her diversification ( i didnt want to be responsible for any bad choices) but i'm interested in the process and choices they make of course. i read thru the advisor contract online and from what i read, it appears they can trade your money as they see fit. it wasnt clear t
  8. well thats pretty rude of centex to assume i'm lying. what kind of world is this here? geez my friend is poor and blind and i'm her advocate in life , trying to help her secure her future. also what relevance is it even if it is me, my friend or my cat in the situation. the financial facts are the same. why does it matter who you are asking for? seems really irrelevant . also it's rather offensive to be deemed a liar or even inferred to be one. sure shows the character of the poster to even say such a thing. no class at all to infer i'm lying. man this place is somet
  9. what does friend in quotes mean? i see this on the boards sometimes and i dont get it.
  10. i dont know what that means. can you explain? my CU is doing my own refi now and they keep all servicing and keep most loans so i think they are pretty great.
  11. mortgage broker pulled credit for her. . shes not refinancing at the same bank.
  12. i think only movie stars have mortgages that are 6000 a month lol . and my friend is def not that. yes payments are current no escrow with the loan. payment varies every month but never has been above 600 or 700. all payments show current even on the credit report. it's liek the bank said they dont believe the pic is from the credit report that the broker pulled. thats how he worded his email. they are gonna ditch the bank anyway. had tons of problems in the past and its time to get to a CU who cares about the people. ill help her dispute it online since the bank says
  13. Does a bank need an entire credit report to investigate something. My friend is applying for a mortgage and on her credit report it lists a $6,000 a month mortgage which is obviously not correct. I took a screenshot from the credit report of the bank information including the account number and it's obvious it was taken from a credit report because it lists date reported they opened balance owing and how many months left and then it says xpn2, EFX two. T u - 2. She sent the screenshot to her contact at the bank and they said they cannot tell if that is an official Credit Report or an unofficia
  14. as we figurd the guy said it's not required to pay entire year up front but still, then why put it on the app. but since we have it in writing to ignore what is on the app things can proceed.
  15. its a heloc so no current escrow. also friend had detailed email to all brokers say no cash is available for closing so the guy just talked himself out of a sale by asking for 5K. they couldnt do it if they wanted to. friend didnt wanna waste any brokers time if this wasnt even possible but they said credit etc was ok so go and apply. do they get paid per application filed maybe and he needed a boost this month? and she's not going to increase the mortgage by 6K just to collect double the escrow needed when it would all be refunded in a year. that permanently increases her monthly
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