Wednesday Hump Day

iVillage Member
Registered: 12-22-2013
Wednesday Hump Day
238
Wed, 02-19-2014 - 9:44am

1. If you own a home, do you have your homeowners taxes in your mortgage or do you pay separately?

2. Do you do anything for St. Patrick's Day?

3. What is one of your guilty pleasure TV shows?

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iVillage Member
Registered: 05-13-2009
Thu, 02-20-2014 - 12:07pm

blackandwhitemolly wrote:
<p><span style="font-size:13px; text-align:left">That's curious. Why don't you feel the same way about the Federal Gov't when you overpay your taxes to get a refund?</span></p><p style="text-align:left"><strong><span style="font-size:x-small"><span>We have a different type of situation with taxes so can't speak about that. I personally don't like to have to give my mortgage company hundreds of dollars every year (one year they needed $700) so they can have a cushion. </span></span></strong></p>

What is different about overpaying taxes to overpaying into escrow? Why can't you speak to that? Most financial advisors would recommend that you avoid escrow when possible, and adjust withholding to minimize overpayment (or underpayment) of taxes. If you recognize one option as financially savvy, why ignore the other?

iVillage Member
Registered: 05-13-2009
Thu, 02-20-2014 - 12:13pm

jamblessedthree wrote:
<p><blockquote class="quote-msg quote-nest-1 odd"><div class="quote-author"><em class="placeholder">blackandwhitemolly</em> wrote:</div>&lt;blockquote&gt;&lt;div style="font-weight:bold"&gt;&lt;em&gt;blackandwhitemolly&lt;/em&gt; wrote:&lt;/div&gt;&amp;lt;p&amp;gt;&amp;lt;span style="font-size:13px; text-align:left"&amp;gt;I will say this, I have no objection to my mortgage company making a profit on my mortgage, since that's the only reason they lent it to me in the first place.  &amp;lt;/span&amp;gt;&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;&amp;lt;strong&amp;gt;&amp;lt;span style="font-size:13px; text-align:left"&amp;gt;I don't like having to find hundreds of dollars every year so they can have a "cushion". Shrug.&amp;lt;/span&amp;gt;&amp;lt;/strong&amp;gt;&amp;lt;/p&amp;gt;&lt;/blockquote&gt;&lt;p style="font-size:13px; text-align:left"&gt;&lt;/p&gt;&lt;p style="font-size:13px; text-align:left"&gt;That's fascinating, but I wasn't talking about escrow.&lt;/p&gt;&lt;p style="font-size:13px; text-align:left"&gt;&lt;strong&gt;Well they are making a profit off your escrow too. If my taxes went up $200 for the year, they were making a profit off of the extra $500 they claimed they needed for a cushion.&lt;/strong&gt;&lt;/p&gt;</blockquote></p><p>Well, if you follow the chest's logic you should not be collecting a refund at the end of the year then either.  I guess I'm a little more consistent, I mean I let my bank sit on my escrow and I also let the IRS sit on my money and collect a refund at tax time too.  Sure beats spending money on slimey brokers, Lol.</p>

Yes, you must be infinitely more knowledgeble that I am, even though I paid a mortgage broker a mininal amount who found an interest rate 1% below the going rate at CUs and banks in my area. The fact that we saved thousands of dollars on our now paid-off mortgage continues to elude you. It never ceases to amuse me.

iVillage Member
Registered: 03-22-2013
Thu, 02-20-2014 - 12:13pm
:::Well they are making a profit off your escrow too. If my taxes went up $200 for the year, they were making a profit off of the extra $500 they claimed they needed for a cushion.:::: Who has said I have an escrow? I know I have not.
iVillage Member
Registered: 03-22-2013
Thu, 02-20-2014 - 12:17pm
::::: Sorry, I don't trust your opinion about financials::::: That and $4.72 will buy me a latte at Starbucks.
iVillage Member
Registered: 10-23-2001
Thu, 02-20-2014 - 12:18pm

Saw this on facebook today from my realtor friend, Funny and probably true, Lol. 

 


 


iVillage Member
Registered: 10-23-2001
Thu, 02-20-2014 - 12:19pm

I don't believe the faith you place in brokers chestnuthooligan.  But hey, Compare his figures to what a bank even told you.. It sounds to me like you didn't even shop a bank first. 

 


 


iVillage Member
Registered: 10-23-2001
Thu, 02-20-2014 - 12:23pm

Whatever turns you on, Starbucks is way over-rated.

 


 


iVillage Member
Registered: 05-13-2009
Thu, 02-20-2014 - 12:28pm

jamblessedthree wrote:
<p>I don't believe the faith you place in brokers chestnuthooligan.  But hey, Compare his figures to what a bank even told you.. It sounds to me like you didn't even shop a bank first. </p>

I know you don't believe in paying for services by value, just your perceived value. It doesn't bother me a bit. it amuses me.

iVillage Member
Registered: 03-22-2013
Thu, 02-20-2014 - 12:35pm
::::Whatever turns you on, Starbucks is way over-rated.Whatever turns you on, Starbucks is way over-rated.::::

Well, I wasn't actually planning to get you one.

iVillage Member
Registered: 10-23-2001
Thu, 02-20-2014 - 12:42pm

That's cute I make you laugh.  So, You don't like banks.. That's too bad.

 


 


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