Stephmo commented on Expansion And Extension Of Homebuyer Tax Credit Now Official

"@hillsrovey: You probably need to talk to a tax accountant for sure."

Stephmo commented on Expansion And Extension Of Homebuyer Tax Credit Now Official

"@Skankingmike: I think that would be a Garn Act exception anyway...so you'd probably end up with people trying to get you to transfer the original mortgage. I'm not sure if they could make you do it, but it's one of those things they keep track of...so as I think out loud, I think they'd probably say the same thing if you tried to do it to an immediate relative (parent/child/sibling) as well. Ah - found an article on fraudulent claims - under who does not qualify: They are purchasing residences from close relatives, including spouses, parents, grandparents, children or grandchildren. [www.mlive.com]"

Stephmo commented on Are Postcard-Sized Rebate Checks A Conspiracy?

"@wasabipeas: BofA actually tends to discourage many accountholders from using teller window services for anything that can otherwise be done online, on the automated phone system, or at an ATM So a branch that had no ATMs capable of taking odd-sized checks for deposit would be more than happy to help you at the teller window, right? In fact, based on what you're saying, that wouldn't be a $3 hit - it would be free because the ATM can't process the transaction."

Stephmo commented on Are Postcard-Sized Rebate Checks A Conspiracy?

"@Snockered: Yes, because when I approach a problem, find a roadblock and go, "I wonder what other tools have been provided that might allow me to solve this already?" that's anger? I assume you're not in charge of reading people or interpreting things for anything important."

Stephmo commented on Are Postcard-Sized Rebate Checks A Conspiracy?

"@hedonia: Oh, because I don't immediately look at something and go, 'OH NOES, did you know that .00025% of the population has a deadly paper allergy - therefore it's a conspiracy FACT that anyone using paper is out to get everyone and make life more difficult!" Wow. See, it's actually called looking before I bitch and complain about everything on the planet and pretend that I'm the center of everything. And it's also thinking for 3 seconds along the lines of, "these odd-sized checks existed before check scanners...so perhaps I should ask myself why the check scanners were designed to only handle a narrow range of check sizes rather than try to automatically go into some pavlovian 'banks are evil' response..." You know, like a human being capable of critical thought would do."

Stephmo commented on Taking Credit Card Offers Hurts Your Credit

"@lmarconi: Someone else is likely underwriting the rewards on the cards and requires a separate credit review when someone wants that type of card."

Stephmo commented on Taking Credit Card Offers Hurts Your Credit

"@wcnghj: I know - and I think that's the excessive one."

Stephmo commented on Are Postcard-Sized Rebate Checks A Conspiracy?

"@coren: @Kimaroo - Fortified with Kittydus Purrularis: And when is someone going to point out that it's sort of the check scanner job to get better - not the checks jobs? I mean, if you have 30 checks, you shouldn't be worried about stacking them "just right" to save BofA the cost of an envelope - and the scanners should take odd-sized deposits..."

Stephmo commented on Are Postcard-Sized Rebate Checks A Conspiracy?

"@coren: No, you're making up things at this point. Banks are open on weekends."

Stephmo commented on Sears Declares Halloween "Black Friday"

"@flugennock: jerkface, much? How dare he come in with crazy talk like explanations and facts and rational talk."