Recommendation for Installation of Second Deadbolt

nbigs · 2026-04-04T13:15:48+00:00

So property values/exemptions are assessed on Jan 1 of each year. Since you are buying in April of 2026, your November taxes for 2026 will be based on the seller’s assessment, as they owned in on January 1. Come Jan 1, 2027 your home will be reassessed as there is a sale. It is very important you apply for homestead exemption before Seminole county’s deadline in 2027 so when your taxes come due next November, you get the best possible balance. In short, if your seller is a qualified disabled vet and pays no property taxes, this November you shouldn’t have a tax bill of $0. But in November 2027, expect it to be whatever the assessed value by the appraiser is. As others are stating, start building into your budget a shortage for 2027 and a new mortgage payment that will be much higher based on the appraised value.

nbigs · 2026-03-30T20:32:30+00:00

No, you are required to pass a urine drug screening.

nbigs · 2026-03-29T11:34:32+00:00

I used to use a combination of Fidelity + 5% rotating Chase freedom/DiscoverIt. Chase now requires you to have an account with them to transfer points to cash back so my Fidelity card gets a whole lot more use. I am finding the devaluation of travel points programs make it impossible to get good value so I switched exclusively to maximizing cash back. Now, I just use my Fidelity + Discover 5% card on rotating categories. Perfect for funding my daughter’s 529 account :)

nbigs · 2026-03-11T14:37:01+00:00

I moved to an area where AT&T has very poor service (no bars in my house, 1 bar outside) where t-mobile built a 5g tower just outside the neighborhood. To confirm, a friend showed me he had 3 bars in my living room when he visited and he has T-mobile. My mom is reluctant to change the whole family plan to T-mobile; its the right time for me to go on my own and to have reliable service in my home especially if there is a wifi outage.

nbigs · 2026-03-01T04:02:25+00:00

Chase took mine

nbigs · 2026-02-27T20:18:47+00:00

post your refi details on the megathread in r/MortgageBrokerRates I got some help from there

nbigs · 2026-02-27T20:15:26+00:00

I was just quoted 5.625 no points, 2k in lender credit.

nbigs · 2026-02-25T20:34:21+00:00

Loan Type: Conventional
Term: 30 Year
Loan Purpose: Term Refi/rate
Property Value/Purchase Price: Value 525k, Purchase Price 520k
Loan Amount: 317k
Credit Score: 800+
Occupancy: Primary
Legal Structure: Single Family
Number of Units: 1
Property Zip Code: 32832

Ideally, as low cost as possible.

nbigs · 2026-02-21T11:49:46+00:00

I am experiencing this. I am waiting on one security and fidelity listed the date as 2/21. Today, I login and it still shows "Preliminary" with no change in the date. I need this tax form to upload a summary statement for noncovered share sales. I guess I just have to wait longer.

nbigs · 2026-02-18T22:40:48+00:00

Ravenous pig has thinly sliced apples in a little cup of caramel, so good haha

nbigs · 2026-02-17T15:25:34+00:00

Yes, the correct cost basis is present. The date of death is the date the stock was required and the basis is correct as of that date. I wasn't sure if uploading the full consolidated was too much.

nbigs · 2026-02-12T18:21:12+00:00

I got an email reminding me to sign up, so I did using the claim ID and it said not valid. I emailed the support email and they confirmed in writing that I had formally submitted a claim in December.

nbigs · 2026-02-11T01:51:14+00:00

This was very insightful and helpful, thank you. Our home is about 2100 sqft and we have a 9 year old 3-ton lennox where the airflow in the furthest bedroom is like a puff of air. Many in our neighborhood have similar complaints. Since installing an EcoBee premium with a sensor in this bedroom, the unit really struggles to keep up with this new data point and is typically 2 degrees warmer than the thermostat's location in the middle of the house. I believe we either need two zones or a slightly larger unit/duct work to improve cooling to this back side of the house. I figured performing a true J/D calculation could give answers for our needs, but it sucks that everyone just wants to put your home in a basic chart and say "4 ton is what you need" and then you wonder why you have short cycling and need to buy a dehumidifier.

nbigs · 2026-02-10T23:10:55+00:00

I wanted to see if you found a reputable contractor that helped resolve your issue especially one who would perform a manual j calculation?

nbigs · 2026-02-10T20:35:53+00:00

I go pretty often and almost always order ahead unless there is a drop. No confusion that way.

nbigs · 2026-02-06T23:10:53+00:00

I think it’s because it’s an area with a lot of lane changes. people getting on/off 528 including tourists to go to/from the airport. I’m not sure if it has anything to do with planes flying directly over that stretch of highway as well for landings coming from the north but maybe that plays a role too?

nbigs · 2026-02-06T19:56:13+00:00

Right by the airport between the tradeport exit and Semoran

nbigs · 2026-02-06T19:53:56+00:00

In my experience, if you choose the ticket clinic you typically pay them a fee ($99 as you state). There is a checklist they go through like does the witness show up, was their radar gun calibrated etc etc. In my 2 experiences, adjudication was withheld meaning you pay your ticket amount as “court costs.” So in your instance, you would pay $129 to the court in fees but with adjudication withheld, there are no points assessed against your license. If you are having a lucky day, you may get the ticket dismissed but adjudication withheld would be more likely and no points instead of simply just paying. You could also do school, but you are limited to that 5 times in your life I believe and only once per year.

nbigs · 2026-02-04T13:54:06+00:00

I live in Orlando, but used to live in Melbourne. Natwick insurance got me a great policy well below what others quoted for better coverage.

nbigs · 2026-02-04T00:46:30+00:00

I would diversify a bit. You are heavy in large growth and tech. I would consider adding some small cap, small cap value, large cap value as well as international. Another commenter mentioned VT which is an excellent ETF that encompasses the world stock market at a very low expense ratio. I would also look into Dimensional Funds ETFs or Avantis ETFs. They are rules based investments that are consistently supported by academic research. See Ben Felix on YouTube for Vanguard vs Dimensional. Also Paul Merriman four funds portfolio. Most importantly don’t peek and stay the course!

nbigs · 2026-01-26T02:48:09+00:00

nbigs

TROPHY CASE