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Everything posted by luckydriver

  1. anyone know of good software for doing a PA and federal estate tax return? taxact has one for 125 and i know it will be expensive but just wanted to see what other options people have used when doing it yourself.
  2. 1st level csr had no clue why this happens. she tried saying if your payment is 120 and you pay 360 that you are paid out 3 months. but this cant be true. interest and principal is being correctly applied, not carried forward example april 30 balance was 7218 so 7218 times .05 divided by 12 is 30 and i paid 400 . they applied 29.6 as interest and 370.40 as principal which is correct by my math i wasnt gonna wait 1 hour on hold with a loan person but i emailed again as to why it is sept due date. every other bill (mortgage, CC etc) always applie
  3. DCU i rarely log into my dcu account because i only have the car loan. the payment is 250 and ive always paid a bit more but the past 8 months ive paid a lot more. usually around 400. so i decided to see the balance and logged on and it says next payment is due september, i wrote to them and they confirmed i owe nothing until september. i didnt think it was even possible to build up payments like this. i dont get it. i did confirm that all my extra is going to principal every month. 370 out of 400 etc etc. so how is it possible that i'm paid ahead? i know my regular CU
  4. i know someone that called one of those tv reverse mortgage places to see about getting a reverse mortgage. they said they townhouse they own is considered a condo, you dont own the land, and you cannot ever get a reverse mortgage on that. i had no idea you dont own the land on a townhouse. geez. wonder why theres a deed then at the courthouse? they do pay an HOA fee but if anything goes wrong with the house the owner must pay. the hoa does snow and grass, nothing on the house at all. so why are townhouses considered condos? very strange. i wonder if the row homes downtown are co
  5. 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
  6. 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.
  7. 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
  8. 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
  9. 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.
  10. 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
  11. 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
  12. 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
  13. what does friend in quotes mean? i see this on the boards sometimes and i dont get it.
  14. 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.
  15. mortgage broker pulled credit for her. . shes not refinancing at the same bank.
  16. 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
  17. 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
  18. 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.
  19. 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
  20. can someone be that wrong? it has to be wrong or sloppy im helping my friend apply for a mortgage. was to pay off 121K and roll closing of 6K in and new mortgage be 127K there was small 300 refund due. broker had all income/taxes info and when they had that GFE it seemed totally reasonable. fast forward to a week later when its time to sign the online documents for the actual app and it's now 11K in closing with 5K in cash due at closing. the tax situation is really bizarre. school tax here is due in october and county in spring. the total tax for this house is around 5K. he shows
  21. approved today, phone is in the mail. so the answer is the date on the DL didnt matter
  22. im sure she can pay for her driving record but my guess is apple wouldnt care. they probably need the ID. she finally got thru to dmv and they said what form to use. i still dont evne think the form is applicable but they said it is. so it has to be .also DOT is using peoples old pics because of the virus and you dont even hvae to go in. but when we tried to request a replacment they said theres no photo on file. which is total BS. i know for a fact DOT keeps at least 4 of your past pics on their database and she def had a pic in 2015 on her old ID. just a weird sitaution. i told her not to le
  23. here's a funny thing. tried to go on DOT site to renew her ID and it says its valid till 2023. but she doesnt have one in her hand. never got to DOT for a pic. does apple talk to DOT directly. if so they will see its valid but if not they will just see 2019 on the card
  24. how would an in progress bathroom remodel affect a refi appraisal
  25. it says it now when you do the 24 mo interest free offer.
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