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  1. dealpal
    June 4, 2011 at 4:45 pm

    the government

  2. Reply
    June 8, 2011 at 10:08 pm

    I doubt they can do they can do that. What is the statue of limitation in your state?

  3. Reply
    June 9, 2011 at 8:46 am

    $300 per month with $2500 down payment

  4. Reply
    June 10, 2011 at 11:39 pm

    Smart, rich people buy USED cars. Never lease!

  5. Reply
    June 10, 2011 at 11:40 pm

    The answer is they do both. But, I consider Americans so callous because we consume for the pure joy of collecting material, not for the need of the things we collect. We are a comparatively small percentage of the world’s population; however, we use approximately 90% of the world’s energy and raw materials. We need to wake up and smell the coffee because we are the primary contributors to global warming, yet we are so selfish, and I might add, foolish that we do not enter treaties to curtail our carbon footprints so that we are actually commiting suicide and murdering our own children and grandchildren.

    Sorry to be so passionate and serious about a question that was obviously asked in fun, but we need to take a serious look at what we stand for culturally because we’re going to be slapped with some serious consequences in a few years because of our greedy habits.

  6. Reply
    June 13, 2011 at 12:53 pm

    ou need to make sure the HUD statement you send them is the one that is signed by the buyers and the sellers. If you did not get a copy of this at closing, contact the title company where closing took place and ask them to send you a signed copy. Until the IRS gets that, they cannot process your refund.

    Once the IRS gets the correct paperwork from you, allow at least eight weeks to get your refund. It could come sooner, though.

    My husband and I claimed the first time homebuyer’s tax credit this year. I mailed our tax forms along with the HUD statement on March 5th. It didn’t show up in their system (according to the Where’s My Refund? site) until the very end of March. It showed our refund as being ready by April 27th. Imagine my surprise when it was deposited into our checking account on April 2nd.

  7. Reply
    June 13, 2011 at 1:02 pm

    You have not supplied the appropriate documentation validating your home purchase. A copy of your HUD-1 is required. A copy of such SIGNED and notarized by title, seller, etc . moves your refund more rapidly. I suggest that you submit as much properly notarized and signed documentation as is available to you. Ask your closing agent/title firm to provide a notarized letter of your successful closing. Enclose a copy of the deed/title transfer documents. You will not be penalized for providing too MUCH documentation.

    Understand, as well, that any IRS ‘guesstimate’ concerning the refund is based purely upon the time your return was filed. If the IRS questions anything (as they have apparently done), your refund will be delayed. There has been incredible error and fraud involved with this tax refund program. The IRS is carefully auditing all such requests.

    Good luck.

  8. Reply
    June 13, 2011 at 1:02 pm

    I went through the exact same situation and it took them right at 2 months to finally get around to examing my additional paperwork. I faxed it to them on feb 2 and it was finally processed march 30.

  9. Reply
    June 24, 2011 at 6:44 pm

    APR ? AER ? EAR ?

    What do the terms APR, AER and EAR mean?

    Do you often look at the advertisements for loans , mortgages and savings and wonder what APR, AER and EAR actually mean? Well you’re certainly not alone. Even banking staff can get confused!

    The Financial Services Authority specifies the exact mathematics behind these calculations and polices their use. All financial institutions have to stick to the exact calculations and the FSA lays down rules as to when and how the figures have to be disclosed. There are no exclusions! But it’s no good if the public don’t understand what the terms mean.

    So lets do our bit to lift the mists of misunderstanding!

    APR stands for “annual percentage rate”
    It is used to describe the true cost of the money borrowed on mortgages, loans, and credit cards.

    The calculation for APR takes into account the basic interest rate, when it is charged (i.e. daily, weekly, monthly or annually), all initial fees and any other costs you have to pay.

    As all lenders calculate APR exactly the same way, it enables you to make direct cost comparisons between lending products.
    So if one building society is offering you a mortgage at 4.8% plus an arrangement fee of £600 and a bank is offering you an interest rate of 5.2% with a £150 fee, then the APR figures will show you which of the two mortgages is cheapest.

    There are then two further expressions that use APR.
    When you see X% APR variable , this means that the cost is currently X% but the interest rate is not fixed and from time to time the interest rate is likely to vary (up or down).

    The second variant is X% APR Typical variable. You’ll frequently see this _expression in promotions for loans. It means that the lender is not being totally specific about the interest rate you will be charged as their rates vary, usually in response to your personal credit rating and the amount of money you want to borrow.

    Therefore X% APR Typical variable is used to give you a general idea of what interest rate you can expect to pay.
    The addition of the word “Typical” means that at least 66% of their approved applications are offered that rate or cheaper. Then when a loan offer is confirmed to you, the paperwork will disclose the actual APR or APR variable you are being offered.

    Now lets look at EAR.
    EAR is the abbreviation for “equivalent annual rate”. It’s used to illustrate the full percentage cost of overdrafts and any type of account that can be in credit and also go overdrawn.

    The calculation shows you the true cost if you use the overdraft facility. In common with the APR calculation, EAR takes account of the basic rate of interest and when the interest is charged to the account plus any additional charges.

    So in most respects EAR and APR achieve the same thing –
    it’s just that APR applies to a pure lending product whereas EAR applies to a product, such as a bank current account, that can be in credit or go overdrawn.

    By the way, the calculations for both EAR and APR always exclude any Payment Protection Insurance you’ve bought to ensure the monthly repayments are maintained if you are off work due to accident, sickness or unemployment. That’s because this insurance is always optional and is not a condition of the lending.

    AER is totally different.
    It’s only used in relation to savings and interest based investments. It’s all about the rate of interest you’ll receive on your money.

    AER means “annual equivalent rate”.
    It shows the true rate of interest you will have received by the end of the year taking into account the regularity of which interest is added to the account (as the payment frequency has a compounding affect on the amount of interest you receive). The AER calculation also removes the affect of any promotional offer that disappear after a few months – a popular trick used by banks and other institutions to boost their savings products to the top of the Best Buy tables.

    It’s not easy to remember all this but we hope we’ve shed some light on some of the jargon you’re faced with!

  10. Reply
    February 21, 2012 at 8:53 pm

    I have seen it, and do not have enough info on it- but for some reason- and like I said I have no info on it, I would not want to use it as I do not think it will show as a CC. Paypal used to be like that as you had to “tie in” a CC anyway…

    let me “google” it on “Ask:”= hehehehe

  11. Reply
    February 21, 2012 at 8:53 pm

    Bill Me Lateris the new way to pay that’s simple, fast and secure.

    Easy and Convenient
    Bill Me Later is a convenient and secure new payment method designed for purchasing on the web or over the phone. As a credit account, Bill Me Later provides you with the flexibility to purchase without using your credit card. To request a Bill Me Later account, you do not have to complete a lengthy application prior to making a purchase. Simply select Bill Me Later at checkout to complete your request.

    Security You Can Count On
    With no card number for making purchases and no physical card, Bill Me Later gives you an extra level of security. Plus, Bill Me Later offers “zero fraud liability” protection, which means you are not responsible for unauthorized charges.

    Customer Support – Online or by Phone
    All the tools you need to manage your account are available online. You can view or pay your Billing Statement online or update your account profile anytime. Plus, our frequently asked questions make using Bill Me Later as easy as possible. Or you can email us or call us.

    Backed by Providers You Can Trust
    Bill Me Later is offered through CIT Bank, Salt Lake City, Utah and managed by Bill Me Later, Inc. Bill Me Later, Inc. is a company with expertise in developing and managing payment solutions.

  12. Reply
    February 21, 2012 at 8:56 pm

    It’s not that bad of a service; I use it for smaller purchases from places like newegg; they only pull a hard inquiry during the setup after that you have a credit limit that applies to any purchases you make. So in my case i was approved for 2500 almost 3 years ago or so and ive had that available sicne then. I purchased a TV from newegg at 0% for 6 months and paid it which brings my usable money back to 2500.

    If your using it like a standard CC it’s probably not for you, but for smaller purchases that for one reason or another you don’t wanna use cash or other credit for it works well; usually has a nice intro apr also.

  13. Reply
    February 21, 2012 at 9:01 pm

    Insurance costs are on a steady incline. This is partially due to the economy we are in, and partially due to the abundant number of natural disasters that have taken place over the last several years. Shop for, find, and apply for flood insurance in South Carolina today. Our website offers exceptional customer service. We can show you just how much you can save on your South Carolina flood insurance purchase. Make an informed decision by taking the numerous quotes that we provide to you, based on your own home and individual situation. Choose the best rate, coverage, and flood insurance company to meet your needs.

  14. Reply
    July 22, 2012 at 4:09 pm

    ask your daughter to help!

  15. Reply
    September 16, 2012 at 10:45 am

    A credit score is not a financial-health score. It doesn’t measure your income, assets or financial savvy. There are some behaviors that may be good for your wallet that aren’t good for your scores.
    Keep in mind that credit scoring formulas have one primary purpose: to help lenders gauge the likelihood you’ll default, based on how you handle credit. If you stop using credit or use it in a way the formulas don’t like — using only one card, shutting down a bunch of accounts or maxing out your cards, even if you then pay them off in full — your scores could suffer.

  16. Reply
    January 5, 2013 at 12:44 pm

    We are in the process of getting mortgage approval and one program that we were told that our house qualifies for is “House Charlotte” in Charlotte,NC. Now with this program after we are approved for the mortgage, if we take this class (financial training/credit counseling) we will be given $ 7500 to use toward our down payment and closing costs for the house. I think that this is also linked to FHA loans as well. The loan would over several years be forgiven at a certain percentage each year, which after 10 years it is forgiven at 100%. I cannot seem to find any information about this program and other than people in the real estate field, know nothing about it. I am simply asking on a website that will give me information and prove to me it is not some string that gets dangled but out of reach. Thank you!
    Mr. Caldwell thanks for your answer…. I have just extended my question and we already do have a real estate agent as well so thank you for the offer. THe community that we are looking at is a House Charlotte community, we were just getting concerned when we could not find information about it on the net. Thank you for the link!

  17. Reply
    March 11, 2013 at 12:28 am

    If you are talking about where you are the main cardholder on one and your husband is an authorized user on the same account, than no, it won’t help to build your credit score. It used to, but Fair Isaac changed the way scores were calculated a bit, and authorized users do not get any bonus for being on someones account.

    The derogatory trade lines are really going to drag down the score, if they are charge-offs your looking at 7 years before they fall off. If it’s more recent they will weigh down your score more heavily than several years from now.

    I think the secured card option is probably one of the better ways to go about for now. Just make sure you each open your own accounts, and you’ll be OK, and probably after a year or so they will offer you a normal credit card, and you’ll get back your deposit + interest! Win win!

  18. Reply
    September 16, 2013 at 11:10 pm

    cheapest homeowners insurance

  19. Reply
    February 12, 2017 at 6:48 pm

    Guilherme: Antonio gave you a good answer here – just before you do any of that, you should speak to an experienced, professional mortgage broker who will be able to help you. Antonio is correct in that if you have a US credit card, then you already have credit, as well as the cell phone etc. I have a couple of brokers that I have worked with in the past, who specialize in foreign nationals and loans that are a little out of the ordinary (most of them these days)!! 😉

    Once you’ve got your finances sorted out, please let me know and I’d be delighted to help you buy your first home here in the Fort Lauderdale area. We are a small, professional boutique company and we will give you 110% of our experience and attention. We’re also pretty nice to work with and will take good care of you both.

    It is a good possibility that you may have more US credit than you think, but if not, then you can always look at a Foreign National Loan, but that would require a higher downpayment. Definitely call to see what your options are and the very best of luck to you both.

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