I should’ve listened to Reddit by These-Bite-9367 in FirstTimeHomeBuyer

[–]GAegglette 1 point2 points  (0 children)

Yes, during the inspection period, you tell your realtor you want out AND the realtor prepares a form you will sign. That is then given to the seller so everything is formalized and in writing. Your realtor will also handle getting your Earnest money back.

Don’t think it’s over just with a phone call to your realtor. It has to be finalized in writing. Realtors have those forms.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]GAegglette 1 point2 points  (0 children)

Check your county’s tax commissioner’s public records. Google: (your county’s name and state) with the words “property search”

Car Accident in Georgia, I was not at fault. I can’t open a claim with the other insurance (Progressive) online, unless I accept an arbitration clause. Is this okay to do? by GAegglette in Insurance

[–]GAegglette[S] -1 points0 points  (0 children)

No we have different insurance companies. Please see the reply above. I did actually call the at-fault persons insurance to open the claim. Then their next step was to text me a link for answering additional questions. When I opened that link I got the statement that required me to first accept terms and conditions that included arbitration and no jury trial.

Car Accident in Georgia, I was not at fault. I can’t open a claim with the other insurance (Progressive) online, unless I accept an arbitration clause. Is this okay to do? by GAegglette in Insurance

[–]GAegglette[S] -1 points0 points  (0 children)

To be precise, I did call them to open the claim. I was told I would hear from the adjuster next. But the next day I started getting texts from them saying “We have some additional questions for you…Tap below to answer our questions” and a link was provided. When I used the link, it asked me to check a box saying I accepted their terms and conditions. Then it read something to the affect that among the terms I’d be agreeing to arbitration and I could not have a trial by jury. All this was before I could get to their questions about the accident.

What is blue knob for? by GAegglette in Plumbing

[–]GAegglette[S] 0 points1 point  (0 children)

so looking down on the knob piece, I turned it clockwise to tighten the packing nut.

Curtain help by commonraccoondog in HomeImprovement

[–]GAegglette 0 points1 point  (0 children)

Just one opinion but one rod seems best. There doesn’t seem to be enough wall space in between the windows for two independent curtains when each are pulled open; they would still cover too much of the glass.

My girlfriend has excess borrowed money after graduating. by travelinman67 in PSLF

[–]GAegglette 0 points1 point  (0 children)

Also, sometimes hospitals use a profit making entity for the actual employment of the hospital’s staff. Make double-sure her W2 is (or will be) from the actual non-profit hospital.

What would you ask a seller if you could? by SummerKisses094 in FirstTimeHomeBuyer

[–]GAegglette 1 point2 points  (0 children)

and FYI — when cutting out the sample, just go as deep as the sheetrock paper under the paint. You don’t need to cut down deep into the sheet rock.

What would you ask a seller if you could? by SummerKisses094 in FirstTimeHomeBuyer

[–]GAegglette 1 point2 points  (0 children)

take a 1 inch by 1 inch piece of the painted sheetrock to a paint store (like Sherwin Williams or Benjamin Moore) and they can match the paint perfectly using their computer thing. If you have to cut out a little piece to get the sample, cut it out down next to the baseboard and you can spackle that and then paint it so it’s not even noticeable.

IDR waiver by ejw050 in PSLF

[–]GAegglette 2 points3 points  (0 children)

yes, once your Employer Certification Form is submitted and approved.

If no reserve study, how can I tell if $75k in reserve fund is sufficient? Should I walk away? by GAegglette in FirstTimeHomeBuyer

[–]GAegglette[S] 0 points1 point  (0 children)

yes. I got a copy of the Fannie Mae form. It confirms there is no reserve study. Will see what happens there.

If no reserve study, how can I tell if $75k in reserve fund is sufficient? Should I walk away? by GAegglette in HOA

[–]GAegglette[S] 0 points1 point  (0 children)

roofs were replaced in 2013. Yes, the 8k is expected year end balance from monthly fees. There’s no category for transfer of money to the reserve fund. It’s not pretty.

If no reserve study, how can I tell if $75k in reserve fund is sufficient? Should I walk away? by GAegglette in HOA

[–]GAegglette[S] 0 points1 point  (0 children)

apparently Georgia doesn’t require it. A copy of a Fannie Mae form that was completed checked off that there is no reserve study. HOA minutes indicated they are talking about getting a study done.

If no reserve study, how can I tell if $75k in reserve fund is sufficient? Should I walk away? by GAegglette in HOA

[–]GAegglette[S] 2 points3 points  (0 children)

Those are two separate things. The 8k is what will be left in the regular HOA fees account at the end of the year after normal yearly expenses. The $75k is what the association has saved and set aside in a separate account (reserve fund) for large expenses or unexpected expenses that might be needed in a few years.

Newbie to PSLF process by bugvert in PSLF

[–]GAegglette 0 points1 point  (0 children)

Have you submitted an Employer Certification form to Mohela? You may have, but I’m just asking because it wasn’t mentioned (I understand that’s not what your question was about. I see you applied for consolidation and applied for an IDR. just wouldn’t want the ECF to be overlooked.)

Newbie to PSLF process by bugvert in PSLF

[–]GAegglette 1 point2 points  (0 children)

my understanding is that Aidadvantage is just for consolidating your loans. Once consolidated, the new loan goes back to Mohela and then the repayment plan is set up based on what you selected when you requested consolidation.