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Everything posted by luckydriver

  1. i dont know if it was folklore or what but i always thought you cannot use a CC to buy a car. but my gf just bought one with 5K on her 2% CC and 27K in cash. she said wasnt nailed for a fee but maybe since cars are overpriced it's built in
  2. i guess i hit a nerve by asking for the real deal here. sorry. just delete my thread. ill stick to google or other forums for my info. didnt mean to cause stress.
  3. ok so you prefer not to bring out the machine. i guess just cashiers check then? just been reading articles about how dealers do business especially when trade ins are / arent involved. all the articles say they will ask the budget you have, price in mind etc and they say the dealer wont give you the same price if you are paying cashiers check or have a trade in. just curious if the articles are all wrong or not. plan was just to deflect to choosing the car and worrying about the other stuff once price was agreed on
  4. do u think any dealer would turn down cash? also whats the best way to deflect talking about pricing till the end? or do they not ask how much you wanna spend anymore
  5. helping someone else look for a car and saw in the dealer notes that due to market conditions they arent accepting outside financing. a search shows CUs in texas are fighting this somehow but dang thats just nuts. imaging getting approved from your CU, getting an auto draft, walking in with 'cash' and them not taking it. thats insane thankfully they are in a position to pay cash but still i feel bad for people
  6. i wanted to take advantage of a quick 300 cash back with a penn state CC but apparently you cannot have more than 30K credit with them. got deny letter saying i have the max line of credit already. i sure wish didnt waste a pull on a card i have zero chance of getting . sigh. i have 20K on the original card and 10K on founders card. not a biggie to get rid of the pull but wondering if theres any chance of it?
  7. my aged mom went to apply to the place she worked before covid. home health aid. she worked there 3 years. they said she has to be a new hire since she took off this entire time and now they are requiring fingerprints. the prints apparently 'didnt take' and i have no clue what that means. but now they told her she needs 3 years of water or electric bills to prove she lived in the state where she lives. i find this bizarre. so if she shows them 3 years of bills it means she isnt a criminal. i told her she must have lost something in translation. they literally know where she lived for 3 years. so can you take a guess at what really is going on she went for 2nd round of prints yesterday and that woman there said they probably wont take again. but i dont know what that even means.
  8. 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.
  9. 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 applies extra to principal and this one is as well. i think something is just messed up with the due date.
  10. 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 says payments must be made every month no matter what. so this is weird.
  11. 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 considered condos. theyve been there 100 years. dont think the term condo existed back then.
  12. 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
  13. 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.
  14. 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 the stuff that is NON probate. that seems nuts. there has already been a few hundred K that wife moved already because the companies do that with just the death certificate. so wife did the work , the money is moved into her name and the atty gets 2 percent of those few hundred K. its bizarre. and home being worth 300K and atty gets 6K for what. i really would like to know if people pay this kind of money for atty doing literally nothing. the house can stay in her name till sold, will be zero issues. plus a new deed is like 200 bucks maybe. not 6000! no wonder people say attys are crooks. plus even for the probate mutual fund/stock accounts, what exactly does an atty do to earn even the 28K in your calculation above. i know you have to place ads in the paper and file tax returns but thats not 28K. i told her she needs to meet with the atty or new one to find out what they do to earn all that money. or just find one that will do it hourly because its been a while since death and wife has done lotta work already for 'free'. and she will continue to all all the legwork moving assets. not some atty. she is just furious that she did all this work and now atty wants to get fees for stuff she has and will continue to do.
  15. 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 stock accounts that need to be put thru probate, friend will be the one making calls and doing all the work. so if there was like 500K in 4 stock accounts, the atty gets a crazy amount of money using the schedule they call the johnson scale. it would be over 10K fee he gets when shes the one doing the work to move the 500K. i know there are forms to file and pa tax return to do but using all the percentages listed on the standard scales and retainer, he would get over 55K of the estate. unless the atty can move all that money and do all that stuff but i dont think thats how it works? certainly isnt worth 55k! i told her go see another atty and agree to an hourly rate. even at 400 per hour i think she would make out just fine. or we could do it ourselves even. once she has the short certifcate and opens the estate account and moves all that money the only thing left to do is file the taxes and she could pay an accountant to do that.
  16. 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.
  17. 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 came and told me they would add value as well. id feel better spending the money on them. or does that just have to do with saleablity and appeal, and questions for a realtor. just unsure how to ask what should be fixed/ added for best appeal
  18. 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 to me if they have to get your confirmation first or they can just do what they want to meet your agreed upon goals. so i'm curious about that. i just dont know if they churn like other advisors you hear about. all investments will just be in the vanguard mutual funds (my assumption). also any positive or negative experiences you have or other advice also i'm assuming if you liked what they setup for you and you are happy, you can just cancel the service after a year or so and monitor your own money? she has a call setup in a week to talk with then and if there are any questions she should be asking i'm all ears. she def isnt into micromanaging her own things but wants to be aware of where they money is of course.
  19. 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 something. come on here for help and be called a liar. id never do that to someone here. but snide comments dont and shouldnt be on here. just the facts. and if you have nothing positive to offer, dont offer anything. this world sure is going downhill fast with rudeness everywhere.
  20. what does friend in quotes mean? i see this on the boards sometimes and i dont get it.
  21. 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.
  22. mortgage broker pulled credit for her. . shes not refinancing at the same bank.
  23. 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 it's not their mistake but i find it hard to believe the CBs make mistakes also curious about something else i see on these forums. sometime people respond to me and put friend in quotes, why exactly is that and what does it mean?
  24. 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 unofficial credit report. The person also know she's in the process of refinancing the mortgage at that bank. So maybe he doesn't have any incentive to help her. They said the credit report in person at the bank show nothing that they reported incorrectly. So I guess we will just dispute with the credit bureaus but I was just wondering why he is doubting the authenticity of the credit report received as a result of pulling for a mortgage. It seems like a cop-out to me. There's no additional information that they are going to get from it is there. She really doesn't want to give her entire credit report to the bank. They don't need to see all that other personal information.
  25. 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.
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