Thanks Maria and flea. Dad is just co-signing to help offset my horrible credit. I haven't used any credit since moving to Colorado - our house was almost foreclosed on and I ended up with all the debt accumulated during our marriage, so I've been working on paying that off. I've made a few slips on paying medical bills and I'm not sure what else.
I have put in requests for my credit reports and will spend the next couple of months reviewing/cleaning those as best as possible if there is anything I can "fix".
Current plan for the downpayment is borrowing against my 401k. I know it isn't the wisest thing, but I'd rather do that than try to fight for a zero down loan.
Steph, I am mentally giving you a gif with someone clapping with glee in appreciation of that. I am almost as thrilled as if I had done it myself.
Although also, WTH? Who's writing a medical article for a professional journal and using literally wrong? Heavens above, they're winning this war, aren't they?
Who's writing a medical article for a professional journal and using literally wrong? Heavens above, they're winning this war, aren't they?
It's not a hard data article, like "We studied a cohort of 12,000 patients and literally every one died!" It's a soft article on the history of how a branch of medicine developed. It mentions how an important article was published in 1985, which implied that how patients were being pre-screened for heart surgery was inadequate, and "laboratories were inundated, literally overnight, with patients being referred for preoperative screening prior to noncardiac surgery."
And yet I just don't think it was *literally overnight.* Which night? Citation needed.
I changed it to "laboratories were quickly inundated," and I will push back if the author doesn't like it.
Current plan for the downpayment is borrowing against my 401k. I know it isn't the wisest thing, but I'd rather do that than try to fight for a zero down loan.
There's a lot worse ways to go about it. As long as you stay in your job/plan, the interest on that loan goes to you. You would need to worry if you were planning on changing jobs any time soon though.
Tell them you want to see the FedEx tracking slips.
I am currently fostering some orphaned baby field mice
Just keep them away from Little Bunny Foo-Foo!!!
Why do I have so much work left to do this week?? On the up side (?) I have very few plans this weekend, so could do some of later without too much pain, but still.
Tell them you want to see the FedEx tracking slips.
I don't even want to know how to cite them in the references, though.
Just keep them away from Little Bunny Foo-Foo!!!
There will be NO head-bonking of my little orphans!
The first is much simpler, while the second would require a gift letter and could subject you to taxes on the amount above $14,000.
The gift tax is horrendously complicated. I read a lot about it to make sure my mother wouldn't have to pay tax on the money she's been giving me. The person who gives the money, not the recipient, owes the tax. Amounts above $14,000 a year are classified as "taxable" and should be reported on their own special, incomprehensible form. However, and it's a big however, the current lifetime exemption for gifts is $5 million, so the taxable amount only kicks in after someone has given away $5 million. It's a tax designed to keep rich people from using gifts to reduce the estate tax.
Note: I am not an IRS agent. YTaxesMV.
