What can we do to protest a school closing?
Q. I need some ideas please. Here is the situation... I live in a district that has to shut down 2 of it's 6 elementaries due to declining enrollment and less funding. The school board voted today to close down 2 that are very close together. We parents understand they have to close 2 but why 2 so close together. We did all we could do at the school board to protest one closing. What else can we do to have our voices heard and maybe change their decision?
Asked by ruthiecrue2 - Mon May 14 22:50:32 2007 - - 3 Answers - 0 Comments

A. The decision was probably made well over a year ago maybe more but not voted on until recently.I live in Chicago and they will close a school that has been failing for more that 4 years in a row we have never closed a school due to declining enrollment.You need to set up a town hall meetings(at least 4) and invite the press,state representatives,congressm en,aldermen,mayor,parents ,students,community and businesses and let them know your concerns and how it will effect the community. You need to come up with a proposal on other alternatives to the closing.Where I live we have turned the smaller schools that have closed into parent resource centers.Here we can have computer classes,ESL,parenting.It takes time to actually consolidate a… [cont.]
Answered by Zim - Tue May 15 10:54:38 2007

How much on average are closing costs when you buy a house?
Q. My and my fiancee moved into our house in October 2006. We have done some small upgrades like sod the back yard and painting. He will be getting a significant raise soon and we want a bigger house further from downtown San Antonio, TX. We moved into this house now because it was a promotional thing with no closing costs so we did not have to pay anything to move in. I need to know how much we need to save for closing costs on a house price range from 175-200 thousand. Also, do we need all the $$ in tha bank or do people often take out other small loans for closing costs? Sorry if this is a stupid question but I have no idea how it works. Thanks. I will choose a best answer.
Asked by Cash & Gage's Mom - Tue May 22 12:47:24 2007 - - 10 Answers - 0 Comments

A. There is a lot to know but versus me trying to explain it here are links that will do a better job. Closing costs comparisons by States: Calculator to compute an estimate of the total cost of closing: The HUD-1 closing costs form explained: Best of luck on your place.
Answered by newmexicorealestateforms - Tue May 22 12:55:29 2007

Is it common to get house closing costs the morning of a closing?
Q. My 1st house closing is Monday at 2:00 PM and I have to wire funds to a local bank. I do not have the full amount yet but will be told on Monday morning. I have to go to the bank and wire the funds. Is it normal to be on such a tight timeline? Any advice to a nervous first time home buyer? Anything I should ask at closing? My funds are in a checking account at my lender's institution. My wire instructions are to a different local bank.
Asked by C G Pop - Fri May 21 22:15:53 2010 - - 2 Answers - 0 Comments

A. Of course you have to have funds available the day of closing. How did you get to closing without having the verified funds to close in your account? You may get a big surprise after you close and they don't fund because they want to paper trail whatever funds these are that are, as of yet, not in an account anywhere. If your funds that you use at closing do not come out of a previously named, sourced and seasoned account, your loan will not fund. Period
Answered by GVD - Fri May 21 22:23:31 2010

What happens if you dont make your closing date?
Q. My fiance and I have purchased a home and have closing in a few days. We wont hear back from the loan company until the day before closing. What happens if we dont make the closing date? Do we get fined? Does it jeopardize us getting the house?
Asked by Michael R - Fri Aug 10 19:21:00 2007 - - 5 Answers - 0 Comments

A. My husband and I have purchased five houses. I don't think one of them closed on time. They are always a little late. We were pre-qualified, had everything they needed, but still closed late. It's not a big deal. Nothing happened to us. It just means that you move in a week or so later than expected.
Answered by seeso - Fri Aug 10 19:43:22 2007

How long to closing on a home usually take?
Q. We are buying a home with in house financing. How long does closing usually take in a situation like this?
Asked by anon - Sat Apr 3 13:09:41 2010 - - 3 Answers - 0 Comments

A. I have been in closings that were done in 20 minutes. But if there were questions, problems, things that needed to be corrected, it can take hours.
Answered by godged - Sat Apr 3 13:15:57 2010

What is the average percentage of closing costs on a home?
Q. How do they calculate the closing costs and how much in percentages would that be and what do they base the closing costs off of?
Asked by hottybi69 - Sun Aug 19 17:52:50 2007 - - 3 Answers - 1 Comments

A. depending on your area the average nationaly is 4.5 this is the average the site below can show you in more detail now most borrowers dont realize although on paper it may only show 1.5% brokers and banks can raise your rate to get a rebate from the banks it is very common and why you see lender fees so high they raise your rate ,.50-.90% or more depending on what they want to make. that is just the lender closing costs then you also have doc fees to record the note at the court house tax etc. the thing you should be most concerned about is the lender fees they can be negoatiated easily the others are fees that must be paid!
Answered by beachlover - Sun Aug 19 18:12:49 2007

How much is closing costs on a house?
Q. I'm planning on getting a house for 115,000 and I'm trying to get a feel for what to expect for closing costs.
Asked by Josh - Sat May 1 14:02:55 2010 - - 2 Answers - 0 Comments

A. About 4 or 5%. /
Answered by Judy - Sat May 1 14:07:49 2010

What to do if closing does not happen due to settlement company's fault?
Q. I am planning to buy a house and the closing was supposed to be 2 days back. The settlement company messed up with things and it has got delayed. Are there any fines for the settlement company because they did not process things on time? Is it a good idea to walk out of the deal if settlement company continues to give hassles?
Asked by Junky J - Thu Feb 19 12:52:53 2009 - - 1 Answers - 0 Comments

A. I would talk with your loan officer, but, no, typically the people doing the closing are not held liable for delays -- it happens all the time. Unless it is stopping you from buying the house, which I doubt in this market, you just have to try to overlook the frustration.
Answered by Allison1888 - Thu Feb 19 16:50:37 2009

How do i stop another user from closing my programs in windows xp while letting them run others? I'm the admin?
Q. How do i stop another user from closing my programs in windows xp while letting them run others? I'm the admin and want to deny permission for other people who use my pc to close programs I want left running
Asked by Cassidy - Tue Jun 16 00:15:27 2009 - - 1 Answers - 0 Comments

A. Click Start, and then click Log Off. Note: You can leave programs running, and they will still be open the next time someone uses this account. 2. On the Log Off Windows dialog box, click Switch User. 3. Click your account name. If you set up your account with a password, type the password, and then click the green arrow button. When you log on, Windows XP displays your desktop and any programs you left running. Spend a few minutes showing everyone in your household how to switch to their own accounts, and sharing a computer will be much easier on everyone. Having multiple users might not stop your kids from fighting over whose turn it is to use the computer, but at least they can each have their own settings and separate… [cont.]
Answered by IT Council - Tue Jun 16 00:22:02 2009

Question about closing a home with the money you get form selling an old house?
Q. Me and my wife are buying a new house. Closing date is Oct 16. In the meantime we own a house thats currently being sold to another couple and they have till Oct 30th to close which I am more than certain they will. (inspection and everything has been done). We will be using the money we will get from selling our old house to put it down as 20% down to buy the new house. My question is, What can we do so the banks can maybe either push the closing date 2 weeks pass the scheduled time? or maybe show them the document that we will be selling our house in 15 days and to approve us a loan with 20% down. What can we DO? PLease help.
Asked by abdu47 - Wed Sep 26 12:11:52 2007 - - 6 Answers - 0 Comments

A. you do have a purchase contract which you signed that you will have to close on or before a certain date. You will first need to make an ammendment to the contract approved by both parties to push back the closing date. the other option would be to do a bridge loan where the bank will loan you the money for a few weeks and will be paid off with the proceeds of your home sale.
Answered by twinturbo1994 - Wed Sep 26 12:18:00 2007

How do you keep a pinecone from closing up after painting it?
Q. My children and I painted pinecones the other day and left them to dry overnight. When we looked at them in the morning, we found they had closed up, causing most of the paint to be squeezed out of them, and hiding the decorations we had glued on. How do we keep the pinecones from closing on us next time?
Asked by blueskies7890 - Sun Oct 25 19:03:10 2009 - - 2 Answers - 1 Comments

A. Maybe put them on a baking sheet in a 200 degree oven for a couple of hours? This should dry them out some. Take them out and let them air dry for a few days longer. I think this will work. No point in buying them if you can get them for free.
Answered by dalbax2 - Mon Oct 26 10:51:41 2009

How much of the closing cost on a new home loan is taxdeductible?
Q. We bought a new house in june 08. Closing costs are like 6 thousand is all that 6 tax deductble or only some?
Asked by Howard - Sat Jan 24 10:31:15 2009 - - 3 Answers - 0 Comments

A. Unless your closing costs included 'mortgage points', NONE of your closing costs are deductible for income tax purposes. 'Points' are considered prepaid interest, and are thusly deductible. Other expenses, such as loan origination fees, title insurance, and the like are not deductible.
Answered by acermill - Sat Jan 24 10:43:49 2009

How do I get cash back at closing, when purchasing a home?
Q. How do I get cash back at closing, when purchasing a home? I am a first time buyer, and I have heard a lot about cash back @ closing, does anyone know what I need to do to get cash back to make improvements to the home?
Asked by MissNurse - Wed May 24 04:54:22 2006 - - 3 Answers - 1 Comments

A. No No No that is not right...Here this is it... Say asking price is 130.000.00. So you ask the owner to pay all closing costs and 2 or 3 points.(depending on credit) At the point of close the total cost of your loan that you sign for will be x amount 130.because they are paying your closing fees and what every you ask them too. The mortgage company already has set cost of 130. so when you sign for your mortgage the cost of those things will be credit to you. The credit is in a check.. Now, not many mortgage company's do this so shop for a mortgage company that will do 100% financing or 10% cost of loan. With your cost being from the seller.. I would not use a Realtor either...Use a broker they really have to earn your money and they… [cont.]
Answered by MissChatea - Wed May 24 21:27:45 2006

What is determined in closing cost when purchasing a home?
Q. My husband and I are looking into getting our first home but we are concerned about how much we are going to have to pay at the closing. What is the price range? We are plan on getting a $155,000 to $185,000 home.
Asked by crymeariver - Fri Sep 7 12:49:52 2007 - - 5 Answers - 0 Comments

A. Closing cost should run you about 3.4% on a loan of around $150,000. You need to shop around because the biggest expense is the broker or lender's origination fees. It depends on the type of loan you get as well, so there is no hard set rule of putting a percentage amount of the loan as an estimate for the closing cost. You will have a lender/broker fee based on the interest rate. It can be zero, if they get a higher rate, as the lender/broker will be paid on the yield spread. But this means you will pay for that part of the closing cost for the entire time that you have the loan. Anytime a L/B advertises low or no closing cost, they are simply paying the CC from part of the money they made on the back end of the loan when it is sold to… [cont.]
Answered by H. A - Fri Sep 7 13:07:58 2007

How soon can a closing date on a home be set?
Q. After the loan underwriting has been approved, how soon can a closing date be scheduled by chance??? Thanks so much-any help is appreciated. We just had to put an extension on closing. The latest we can no get an approval and close (keys in hand) is Dec. 1st. However with the weekends and Thanksgiving approaching, we are worried.
Asked by Adriana9004 - Wed Nov 18 13:37:06 2009 - - 2 Answers - 0 Comments

A. It depends on what conditions are on your approval. Underwriters usually issue conditional approvals. They will clear that approval to close once the conditions are met. Those conditions could be anything from additional income documents, to letters of explanation, to other paperwork. Your loan officer can let you know what kind of conditions are still outstanding and how quickly they can be cleared. Also, it depends on whether the APR on your loan is within .125% of what was disclosed to you on the most recent application documents you were sent. If the APR changed at all during the process (and it does, all the time), then the lender does have to re-disclose the terms to you and there is a 3 day wait on that. So, the real answer… [cont.]
Answered by Arbor Mortgage - Wed Nov 18 15:47:14 2009

What is the difference between Closing and Balancing an Account?
Q. What is the difference between balancing and CLOSING an account in Accounting. Thanks!
Asked by Byakuya Kuchiki - Wed Jun 10 10:09:57 2009 - - 3 Answers - 0 Comments

A. In Accounting there are numerous types of balancing. The General Ledger always balances in that there are an equal amount of Debits and Credits. All Journal enties balance with equal debits and credits. This assures that the basic accounting equation balances (Asset - Liabilities = Owners Equity). For Financial Statements, the Owners Equity includes Income and Expense accounts for the current accounting cycle, (even though they are not yet posted there (closing entry). At the end of an accounting cycle, income and expense accounts are closed out and moved to Owners equity, so that in the next cycle they can start at -0- again. In real life, this is easily tracked by most accounting softwares.
Answered by ALL - Wed Jun 10 12:11:59 2009

Can closing on a loan a few days early save money in the long run?
Q. Our loan company has requested we move our closing date from July 2nd to the end of June. Our real estate agent stated it might save us some money in additional interest accrued in the long run. Our due date for the payment will not change. Does anyone know if this is true or is there any reason to not agree to close a few days early? If it can make a difference, please explain how. Positive? Negative? Thanks!
Asked by Gwen - Thu Jun 14 12:39:58 2007 - - 2 Answers - 0 Comments

A. It doesn't technically save you any money on the loan itself. It will save you money on how much you have to bring to closing however as the interest credit is less on a funding at the end of the month than at the beginning.
Answered by flamingojohn - Thu Jun 14 13:31:49 2007

Are closing costs on a primary residence tax deductible?
Q. Recently, I purchased a single family home from a builder. Are the closing costs that I paid tax deductible? Also, if I refinance this year itself, are these closing costs and/or points tax deductible as well? Any information is greatly appreciated!
Asked by laser_kevin - Thu Sep 20 16:17:29 2007 - - 2 Answers - 0 Comments

A. For purchasing a primary residence points are deductible, rest of the closing costs aren't (except for any outstanding real estate taxes that you had to pay as part of the closing costs). For refinancing, the only thing different is that you have to write off the points over the life of the loan. Prepaid interest would be listed on the closing costs but would be included in the end of year statement you receive from the lender indicating how much mortgage interest you paid for the year.
Answered by PepsiLime - Thu Sep 20 16:42:16 2007

Is your business close to closing or filing for bankruptcy?
Q. I'm just taking a quick survey for a business plan. Is your business close to closing or filing for bankruptcy? And what part of the country are you located in? Thanks for the responses in advance.
Asked by Jack - Thu Mar 18 05:14:22 2010 - - 1 Answers - 0 Comments

A. Not yet but in a year its possible.
Answered by Whats Up Doc - Mon Mar 22 04:16:16 2010

Now that the Bombay Comapny is closing - where can I shop that has a similar style?
Q. Looking for a store or catalog that has a similar style and prices for both furniture and home decorative accessories. I loved the Bombay Company and I'm so sad that they're closing in the United States. Thanks! I'm already familar with Z Gallerie, Pier 1 (don't care for it), Pottery Barn, Restoration Hardware, and Crate & Barrel. But, please let me know if you have any other suggestions. Any fave websites? Thanks for your help!
Asked by Michelle - Tue Dec 18 14:09:05 2007 - - 1 Answers - 0 Comments

A. how about Z gallery or pier 1
Answered by Falloutgirl - Tue Dec 18 15:06:05 2007