A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
I swear, we got the stupidest underwriter in the history of ever. He's asking us to provide proof of insurance coverage...for a house that we do not yet own. We have 3 quotes, and sent those to him. He said that we needed to accept one of them and provide proof. Well, I can't insure something that's not mine. He also questioned a "Large Deposit" in January. A whopping $75.46. It was a refund for items returned after Christmas. He wants to see proof. WTF? I don't even remember the name of the company...
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America guarantees equal opportunity, not equal outcome...
That is all normal for a mortgage, now. There is nothing unusual about it. You will choose the insurance company, they will provide a dec page and an invoice. You cannot use just a binder for closing, you need to decide before and have it in place, just to be paid at closing. The insurance company is used to this.
The deposit thing is a bit stupid, a short letter of explanation should be sufficient.
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LawyerLady
I can explain it to you, but I can't understand it for you.
That is all normal for a mortgage, now. There is nothing unusual about it. You will choose the insurance company, they will provide a dec page and an invoice. You cannot use just a binder for closing, you need to decide before and have it in place, just to be paid at closing. The insurance company is used to this.
The deposit thing is a bit stupid, a short letter of explanation should be sufficient.
That's what I'm hearing....
Talked to my sister, she's a mortgage broker, and she said the stuff they are requiring now is crazy. She said this is totally normal...
I still think it's stupid.
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America guarantees equal opportunity, not equal outcome...
That is all normal for a mortgage, now. There is nothing unusual about it. You will choose the insurance company, they will provide a dec page and an invoice. You cannot use just a binder for closing, you need to decide before and have it in place, just to be paid at closing. The insurance company is used to this.
The deposit thing is a bit stupid, a short letter of explanation should be sufficient.
That's what I'm hearing....
Talked to my sister, she's a mortgage broker, and she said the stuff they are requiring now is crazy. She said this is totally normal...
I still think it's stupid.
The insurance thing is actually not new. You have to select the company and policy ahead of time so you are insured as of the day of closing. If they let you wait until after closing - what if it burned down the night you bought it before insurance was placed? What if friends you had helping you move in fell and got hurt on your property?
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LawyerLady
I can explain it to you, but I can't understand it for you.
That is all normal for a mortgage, now. There is nothing unusual about it. You will choose the insurance company, they will provide a dec page and an invoice. You cannot use just a binder for closing, you need to decide before and have it in place, just to be paid at closing. The insurance company is used to this.
The deposit thing is a bit stupid, a short letter of explanation should be sufficient.
That's what I'm hearing....
Talked to my sister, she's a mortgage broker, and she said the stuff they are requiring now is crazy. She said this is totally normal...
I still think it's stupid.
The insurance thing is actually not new. You have to select the company and policy ahead of time so you are insured as of the day of closing. If they let you wait until after closing - what if it burned down the night you bought it before insurance was placed? What if friends you had helping you move in fell and got hurt on your property?
That is why we issue a Binder of Insurance. And say its paid but give them the 10 payment plan. Then the next year, if they have an escrow, we bill the mortgage company.
That is all normal for a mortgage, now. There is nothing unusual about it. You will choose the insurance company, they will provide a dec page and an invoice. You cannot use just a binder for closing, you need to decide before and have it in place, just to be paid at closing. The insurance company is used to this.
The deposit thing is a bit stupid, a short letter of explanation should be sufficient.
That's what I'm hearing....
Talked to my sister, she's a mortgage broker, and she said the stuff they are requiring now is crazy. She said this is totally normal...
I still think it's stupid.
The insurance thing is actually not new. You have to select the company and policy ahead of time so you are insured as of the day of closing. If they let you wait until after closing - what if it burned down the night you bought it before insurance was placed? What if friends you had helping you move in fell and got hurt on your property?
That is why we issue a Binder of Insurance. And say its paid but give them the 10 payment plan. Then the next year, if they have an escrow, we bill the mortgage company.
But if you have an escrow account, you are REQUIRED to have a one year paid in full policy at closing. You can pay it at closing, but the monthly payment plan doesn't work if you have an escrow account. It's a standard requirement on every loan with an escrow account. Even if you don't have an escrow account, the one year paid policy is standard.
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LawyerLady
I can explain it to you, but I can't understand it for you.
A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
I'm trying! We are a couple inches above average right now.
Of course August will be another story.
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A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
Stupid question... can acid reflux cause long term damage or is it just annoying.
Yes. It causes erosion in the esophagus.
It can lead to ulcers, cancer, bleeding, and death.
AND, in women, it can be a symptom of cardiac issues.
If you have reflux more and more, you should talk to your doctor.
I sound like a commercial, but I've dealt with it my whole life. My youngest had ulcers at 12 from reflux. It can become serious. Or, it could be nothing.
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A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
If OTC (over the counter) medications don;t
don't completely give you total relief, you need to
confer with your doctor.
Acid refllux, heart burn, upset stomach, etc. can
be more serious than you might suspect. When
women have a heart attack, they may not present
the "normal" symptoms of a heart attack, i.e.
chest pain, left arm pain, pain in the jaw, etc.
They frequetntly present with: back pain, jaw pain;
displosma (great thirst), or pain at the rear of back
saddle.
You need to make an appointment with your primary
care physician, and find out if any of your symptoms
are serious enough to warrant further tests.
If your PCP (primary care physician) wants to do
more tests GO for them!
Vette ~
You know what? We love you and want you to
be healthy and happy !!!
Geez maybe I should get checked out, it's been getting worse over the last couple months. Actually though I haven't tried any OTC.
Momala you're sweet :)
Everyone experiences heart burn from time to time, and, as we get older, our bodies begin to batray us.
But, if the heartburn continues for more than a few hours, or increasingly gets worse, you probably need to see your doctor.
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A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
