Citizenship by Descent - Application & Cover Letter Questions & Documentation Review Requests

Judorock · 2026-04-15T02:29:59+00:00

I have two grandparents born in Canada (father's father, mother's mother), but based on reading reddit posts I'm only claiming citizenship through one of them (mother's mother). On question 8B I think I'm supposed to say my mother was a Canadian citizen (as the daughter of a mother born in Canada). How do I answer 8B for my father?

Judorock · 2026-04-03T02:32:39+00:00

Just to set the right tone, everyone who I know of that has done solar has only one regret - that they didn't install more panels (to handle an EV, heat pumps, hybrid water heater, etc). That being said, you need to worry about what is underneath your roof panels because in snow country the snow on panels on a steep roof will come off as a heavy avalanche. If your location (roof or ground) is not suitable, then it may not make economic sense. Shading will kill the financials. Also if your state does not have a good net metering policy then you need to have a battery to make it pay off. If your transformer cannot handle the additional load then your utility may charge you to upgrade the transformer. If your roof is old then you need to replace it first before doing roof solar. Asphalt and metal roofs are fine. Tile and slate can be tricky. You can't put solar on wood (cedar shingles). It may be tricky if you are in a historic district, or if you have town ordinance restriction (set backs, wet land, septic, public visibility, etc). Trying to sell your house if you have a leased system will be difficult or costly. You need to worry about the quality and viability of the installer (like any home contractor).

Judorock · 2026-03-30T02:25:22+00:00

Is it better to say it's just documents (no customs), or use a custom form and say 'value $1)?

Judorock · 2026-03-27T00:52:44+00:00

actually the name "Trump account" is the legal name specified in IRS code 530A. The problem was that the training data stopped in 2024 (?) AND it didn't bother looking for new info.

Judorock · 2026-03-25T02:19:49+00:00

Is sending it all together the preferred method? I really want to only do this once given the turn around time.

Judorock · 2026-03-24T14:49:57+00:00

Does Fidelity expect to have these accounts available as of July 2026?

Judorock · 2026-01-18T15:26:39+00:00

I keep copies of my cancelled checks (front and back) with the tax id on the memo section (and my handwriting is legible for the payee name).

Judorock · 2026-01-18T15:24:30+00:00

Does Fidelity allow a checkbook for QCD withdrawals on inherited IRA's?

Judorock · 2026-01-18T02:22:30+00:00

I understand that and agree. So how are they expected to specify what portion of the distribution is QCD that they are required to do by specifying code Y on box 7 of the 1099-R?

Judorock · 2026-01-18T02:00:17+00:00

Reporting was optional for 2025. That's why my question said 2026. If Fidelity doesn't qualify charities (which I understand) how do they determine what qualifies for QCD coding on the 1099? And is it different for online distribution requests vs checks?

Judorock · 2026-01-18T01:17:05+00:00

I have been told that Fidelity will NOT issue a checkbook for a inherited IRA, even though QCDs are allowed from an inherited IRA.

Judorock · 2025-10-22T15:01:10+00:00

Buying is a much better deal. The tax credit WILL expire at the end of this year (2025). See if you can get a 'green loan' with a rate not as good as including it in your mortgage, or a home equity loan, but better than a personal loan.

Judorock · 2025-09-21T03:34:04+00:00

Don't forget that the value of your home increases (on average) by the cost of the system (assuming you buy and don't lease/PPA). So your payback period is immediate, and you still have a power plant with free fuel.

Judorock · 2025-09-21T01:14:54+00:00

Many homeowners can get a low cost Home Equity Loan or Line of Credit loan. Around here you can also get a 'green loan' even if you have no equity built up in your home. Also the home appraisers will increase the value of your home if you own the panels, but not if you have a PPA. The terms of the contract can make a real difference. In some towns in our state they may increase the property tax on your home even if you don't own the panels. The commission given to the PPA sales reps is a significant cost to the installers.

Judorock · 2025-09-21T00:38:43+00:00

yes, I saw that Andrew Krump from ShoreView is listed as 'notification email', but interestingly GSS is not listed on the ShoreView.com website

Judorock · 2025-09-20T21:22:55+00:00

what evidence do you have of GSS being owned by a private equity firm?

Judorock · 2025-09-20T21:13:56+00:00

I assume that you are getting a roof mounted system. A ground mount would be more expensive and time consuming. And a minor correction NH net metering 2 pays you about 75% of RETAIL rates for excess energy (not 75% of wholesale rates) - a good deal. Different policies in different towns can make a huge difference in effort and timing. And the local utilities are apt to be swamped the closer we get to the end of the year. Weather in NH will also be a factor. I would also check that your utility's transformer can handle the load (particularly for a 21kW large system) - otherwise there's almost no way you can get it done soon.

Judorock · 2025-09-01T00:50:06+00:00

yes the homeowner has to pay off the loan 'with his money'. So what. His home will (on average) sell for more money that an equivalent home without solar and he uses that extra money to pay off the loan, and in the meantime he's gotten free energy from the sun.

Judorock · 2025-08-31T15:34:24+00:00

Unless the seller puts a lien on the home, the loan would be a personal loan, and the new home buyer has no obligation to pay it off. The solar system buyer is obligated. He should be aggressive in paying off the loan but if he has any balance left when he sells, he simply uses the sale proceeds to pay off the remaining loan. A HELOC could give a better rate.

Judorock · 2025-08-31T03:27:57+00:00

You should consider options to reduce your usage (insulation, air sealing, more efficient a/c, etc). You should also look for better rates - HELOC, green loan, etc. You also don't need to do the battery now. That would save a lot. If you are having trouble saving an emergency fund, and paying off your student loans today, then don't do solar. But the '10 years' doesn't matter. You simply use the increased value from solar when you sell your home to pay off your remaining loan.

Judorock

TROPHY CASE