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Type: Posts; User: Dr D

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  1. Answers
    32
    Views
    5,789

    Since check was written after hours, Wayne's...

    Since check was written after hours, Wayne's solution was not possible. Todd's idea is good. I have a Chase CC, but did not think to present it.:)
  2. Answers
    1
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    1,030

    Repairing weathered fascia

    When I re-roofed my home about 4 years ago I neglected to replace some fascia that had been damaged by the hot AZ sun. I have filled some of the cracks with painters caulk, and others with spackling...
  3. Answers
    197
    Views
    11,062

    Ex - I must take exception to your statement: The...

    Ex - I must take exception to your statement: The naysayers, however, make no sense at all. They just deny, deny, deny...
    I believe that several of us Rightys have offered valid proposals, facts,...
  4. Answers
    197
    Views
    11,062

    During this spirited discourse, I have noticed...

    During this spirited discourse, I have noticed that members of the Left Team (wearing the blue jersy) either choose to ignore of fail to read statements of the Right Team (wearing red of course), and...
  5. Answers
    197
    Views
    11,062

    Ex - I do not believe that Global Warming is...

    Ex - I do not believe that Global Warming is hogwash, but that the jury is still out as to the cause. If we are in for a period of warming, I believe that the main cause will be found to be solar in...
  6. Answers
    197
    Views
    11,062

    This questioner (not nay-sayer), just asks, asks,...

    This questioner (not nay-sayer), just asks, asks, and asks, only to have his questions ignored in every discussion. Yes, ALGOR has studied the issue, and probably has about as much scientific...
  7. Answers
    197
    Views
    11,062

    Dear Ex and others who belong to the religion of...

    Dear Ex and others who belong to the religion of Man Made Global Warming; all sane people including those of the Right, believe that we should make greater effort to preserve the environment and wean...
  8. Answers
    28
    Views
    2,407

    Good point George. They did experience a broken...

    Good point George. They did experience a broken engagement prior to marriage, which took its toll on Abe. I mistakenly thought that you referred to a separation after marriage. The Wikipedia source I...
  9. Answers
    28
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    2,407

    I did a quick search for Mary Todd and didn't...

    I did a quick search for Mary Todd and didn't find mention of a separation from Abe, but did find that some doctors and historians suspect that she may have suffered from schizophrenia. She had a sad...
  10. Answers
    28
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    2,407

    Another contributing factor to Lincoln's...

    Another contributing factor to Lincoln's depression was the fact that he was married to Mary Todd Lincoln, who was a bit of a nut-case.:)
  11. Question: Cracked Heels

    by Dr D
    Answers
    4
    Views
    1,303

    I am a mature gentleman who spends much time...

    I am a mature gentleman who spends much time tinkering with cars and projects in the garage. I wear sandles most of the time, which seem to promote a build up of callouses on my heels. These...
  12. Answers
    32
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    5,789

    I guess beauty is in the eye of the beholder.:)

    I guess beauty is in the eye of the beholder.:)
  13. Answers
    32
    Views
    5,789

    The point that I tried to make is that I was NOT...

    The point that I tried to make is that I was NOT free to go elsewhere to cash the check. Citibank will not cash a check drawn on Chase. If I deposited the check in my B of A account, I ran the risk...
  14. Answers
    5
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    485

    If the loan officer said that you would not have...

    If the loan officer said that you would not have to go through the paperwork process again, there is a good possibility that you did a one time close, and that the permanent loan is in place, subject...
  15. Answers
    5
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    485

    The bank will pull your credit in order to...

    The bank will pull your credit in order to process the permanent financing on the new home. With the more stringent guidelines in affect for new mortgages, and your credit score at 600, and headed...
  16. No. Even though the seller retain title to the...

    No. Even though the seller retain title to the property until the debt on it is paid, you have an equitable interest in that property. I hope that the Contract For Deed was properly prepared AND...
  17. Answers
    17
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    1,240

    A 1/4 inch difference in the height of the spark...

    A 1/4 inch difference in the height of the spark plug boot is much too large for improper torque of the plug. Most likely the steel connector at the end of the plug wire is deformed, and is not...
  18. Answers
    10
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    1,234

    Just to throw in my two cents in support of Fr....

    Just to throw in my two cents in support of Fr. Chuck. Obviously a bankruptcy will trash a FICO score - in the short term. By taking this harsh step, it will allow the healing process of the credit...
  19. Question: Death with Dignity

    by Dr D
    Answers
    18
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    1,300

    In my humble opinion Dr. Jack Kevorkian is a...

    In my humble opinion Dr. Jack Kevorkian is a hero. He willingly provided the prosecutors with the evidence to put him away. The supporting testimony of the family of his "victim" was not allowed. It...
  20. Answers
    10
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    2,824

    Please do a Google search for "The Dog's Prayer"....

    Please do a Google search for "The Dog's Prayer". That might provide guidance for your decision. If my computer skills were better, I would have included it in my answer. I wish you the best at this...
  21. Answers
    3
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    522

    Just an addition to the previous posts. If the...

    Just an addition to the previous posts. If the mortgage on the property is an FHA loan, then a refinance is not necessary, unless it is to get a better rate. The two remaining co-borrowers can do a...
  22. Answers
    4
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    2,843

    Check your receipt or with the place where you...

    Check your receipt or with the place where you purchased the money order to find out their procedure for filing a claim for one that is lost/destroyed. It will probably take at leasy 90 days to...
  23. Answers
    2
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    880

    This is just an addition to Scottgem's fine...

    This is just an addition to Scottgem's fine answer. The "Mortgage Forgiveness Debt Relief Act of 2007", MAY eliminate the tax liability in the case of a mortgage on a primary residence, which was...
  24. The one to the right looks like Uncle Joe, the...

    The one to the right looks like Uncle Joe, the great humanitarian of the USSR. Who is the one facing him? :)
  25. We all know that it is the right, and perhaps...

    We all know that it is the right, and perhaps even the obligation of Leftward leaning people to exercise their freedom of speech whenever a person from the Right is speaking in public. Such...
  26. Question: Global Warming video

    by Dr D
    Answers
    4
    Views
    904

    Outstanding video. I can find no fault with its...

    Outstanding video. I can find no fault with its conclusions. It does confirm my belief that the corpulant, energy wasting ALGOR is no scientist.:)
  27. Question: Home Vacant

    by Dr D
    Answers
    4
    Views
    1,661

    If you rent the house out, you should get a...

    If you rent the house out, you should get a landlord policy. I believe that the premium will be less than a regular homeowner's policy because only the structure is insured, not the contents. Also...
  28. Answers
    3
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    927

    Progunr - The old mortgage account remained on...

    Progunr - The old mortgage account remained on the report, but any activity following the BK was not shown, whether it was good or bad. To confirm a timely payment history on the mortgage we had to...
  29. Answers
    3
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    927

    After working with the FICO scoring system for...

    After working with the FICO scoring system for many years, certain aspects of it are still a mystery. Following a bankruptcy new good trade lines will increase the score dramatically. I encourage...
  30. With all due respect to froggy7, I feel that...

    With all due respect to froggy7, I feel that mdsone has the high ground over her ex, from a moral standpoint. If this were truly a joint "investment" by mdsone and her ex, then the two of them should...
  31. Much to my surprise, the small claims limit in...

    Much to my surprise, the small claims limit in Alberta is $25,000. In most places in the US, the limit is about $5,000, give or take. In AZ it is only $2,500.

    A quick Google search provided the...
  32. I failed to notice the fact that you were with...

    I failed to notice the fact that you were with your ex for 6.5 years and 5.5 years as common law?? If you were in fact MARRIED, that could put a different perspective on the situation.:)
  33. In my humble opinion your ex is an idiot, and...

    In my humble opinion your ex is an idiot, and greedy to boot. I believe that he has no leg to stand on to share in the profit on the condo. I am somewhat confused on the math, Did he loan you $5,000,...
  34. Answers
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    524

    It all depends on the state that you are in and...

    It all depends on the state that you are in and its statutes. A fair generalization, although not absolute would be that if the debt was secured by a Deed of Trust, and the foreclosure was...
  35. Answers
    1
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    531

    Your landlord cannot break a lease and evict you....

    Your landlord cannot break a lease and evict you. Once the foreclosure takes place, the lease is null and void, and the lender can evict you.:)
  36. In my humble opinion Time Shares are a scam, in...

    In my humble opinion Time Shares are a scam, in which the guys wearing plaid sport coats and lime green pants rip off consumers with high pressure sales tactics, not to mention the exhorbitant annual...
  37. Answers
    1
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    1,607

    The answer is YES. Per MRI sec 606.05: "If the...

    The answer is YES. Per MRI sec 606.05: "If the borrower will use the loan to complete payment on a land contract, contract for deed, or other similar type financing arrangement in which the borrower...
  38. Question: Credit score

    by Dr D
    Answers
    15
    Views
    1,489

    If you are looking to buy a "primary residence"...

    If you are looking to buy a "primary residence" FHA is probably the best vehicle for that purpose. FHA is not intended for commercial property. The following is an FHA guideline: "A qualified...
  39. Question: Credit score

    by Dr D
    Answers
    15
    Views
    1,489

    Dear mindsecho - A 621 FICO score should be...

    Dear mindsecho - A 621 FICO score should be adequate to secure an FHA loan to buy a home. The minimum required investment from the borrower is 3% of the sales price, which can come from your savings,...
  40. Question: DTV Converter Boxes

    by Dr D
    Answers
    2
    Views
    584

    A few months ago I decided to give up (extended...

    A few months ago I decided to give up (extended basic) cable which was not HD. From Fry's Electronics I bought a Channel Master 4228 8 Bay UHF antenna for $50 (reg $80), which I attached to my...
  41. Question: Credit Report

    by Dr D
    Answers
    6
    Views
    620

    If I were you I would IGNORE and NOT respond to...

    If I were you I would IGNORE and NOT respond to their communications. There are collection companies who buy old debts for a fraction of a penny on the dollar. If you admit to this "Phantom Debt",...
  42. Answers
    14
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    3,396

    Not being a hydrologist, some of your questions...

    Not being a hydrologist, some of your questions are beyond me. With the multitude of filters in the system, I would imagine that the resulting water approaches the purity of distilled water. When you...
  43. Answers
    14
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    3,396

    I have a 5 stage RO system under my kitchen sink,...

    I have a 5 stage RO system under my kitchen sink, which purifies softened water. I think the water tastes every bit as good as bottled water. The system manufacturer advises the use of a water...
  44. Answers
    37
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    1,785

    There are too many idiots out there who try to...

    There are too many idiots out there who try to get their 15 minutes of fame by initiating a high speed police pursuit. By their actions, they put innocent lives at risk. My solution is to put all the...
  45. Answers
    4
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    1,655

    Enlisting the services of a non profit such as...

    Enlisting the services of a non profit such as Consumer Credit Counseling Services will not hurt your credit per se. What can lower your credit scores is when the counseling service arranges a...
  46. Answers
    1
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    480

    I would leave it alone. At most you might pull...

    I would leave it alone. At most you might pull enough cash out to come up with a 20% down payment for the house. If you are over 59 1/2 years old you will avoid the 10% penalty, but that withdrawal...
  47. Answers
    4
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    895

    The symptoms could indicate a clogger catalytic...

    The symptoms could indicate a clogger catalytic converter. A free check for that situation would be to temporarily remove the O2 sensor ahead on the converter and see if the performance improves....
  48. Question: Soldering problems

    by Dr D
    Answers
    12
    Views
    1,486

    Since none of the plumbing experts have answered...

    Since none of the plumbing experts have answered this post as yet, I'll give it my best shot. I think your problem is the presence of water in the pipe which keeps the joint from getting hot enough....
  49. Answers
    2
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    533

    Fair Isaac Company continually tweaks its scoring...

    Fair Isaac Company continually tweaks its scoring model. One of the major changes is in the effect of "authorized user" accounts. If you had such accounts on your report, their removal from the...
  50. Answers
    10
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    1,866

    If in fact that is the law in Florida, it is...

    If in fact that is the law in Florida, it is beyond bizarre. How can the ex-husband be obligated on a property that he expressly signed away any interest in? In AZ a Discaimer Deed is used for that...
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