http://www.pmoa.net everything about nothing Wed, 16 Jul 2008 02:21:37 +0000 http://backend.userland.com/rss092 en So it's been a while and a lot has gone on since the last time I had posted. I bought my house and now it has been a whole year and thankfully nothing has gone wrong with the house yet. A roommate will be moving out later this month ... http://www.pmoa.net/2008/07/15/its-been-a-while/ Now that I am all moved into the house, there were a million things to do in the house. The first priority in the house was to change the door locks. This may be a ridiculous task, but who knows how many people have keys to the house. I was ... http://www.pmoa.net/2007/04/18/moving-in-expenses/ After 45 days including a delay, I am officially a homeowner. I closed on my townhouse in Baltimore City and came to the stark realization that there wil be no more rent money paid to the man. It definitely is a wonderful feeling and the responsibility of making this my ... http://www.pmoa.net/2007/03/22/officially-a-homeowner/ I was supposed to close on my house on March 8th and we were pushed back by the lender for 2 weeks due to an issue of the ground lease in Baltimore City. As more and more news about the subprime lending being cracked down upon, it slowly trickles into ... http://www.pmoa.net/2007/03/18/subprime-lending-issues-had-and-affect-on-my-lender/ It's getting down to the wire now and there are still a few things that we need to round up before sitting at settlement. I recently received my gift letter from my mom and the money was received. I will then have to go to the bank and get a ... http://www.pmoa.net/2007/02/27/last-minute-items-before-closing/ So you paid your taxes already and you made a mistake on your taxes that may affect your refund, it's time to fill out the 1040X. Luckily, this form is really short and quite simple, especially, if you have a copy of TurboTax or TaxCut. I forgot to deduct my ... http://www.pmoa.net/2007/02/20/amending-my-2006-taxes-how-to/ If you don't know what ground rent is, then you have finally come to the right place. The interesting thing in a lot of cities is that the ground that the property sits on is not owned by you. This dates back to the mid 1800's. My ground rent ... http://www.pmoa.net/2007/02/19/ground-rent-in-maryland/ I have a little over 2 weeks before I close on the house. There are so many things that need to be rounded up prior to closing. One of which was the appraisal. I really hate the way that they appraise the house. Some say this and others say this. ... http://www.pmoa.net/2007/02/19/almost-time-to-close-on-the-house/ I had to quickly call a few companies for homeowner's insurance. There are few critical numbers that you need to get ebfore calling for a quote. In Maryland, online quotes are not available so you will have to speak with a CSR (customer service rep) to get a quote. ... http://www.pmoa.net/2007/02/12/homeowners-insurance/ After 2 summers and this winter of looking, I have finally purchased my first home. It took a little time find my home, but it is finally done. I put in a bid two days ago and the seller accepted it. I bid 19K below the asking price and got ... http://www.pmoa.net/2007/02/11/im-officially-a-homeowner/ In the light of recent events of buying a home, I was thinking about taking some money out of my Roth IRA to pay down some of the closing costs. I was reading on the web and there are a few simple rules to avoiding the 10% penalty for early ... http://www.pmoa.net/2007/02/08/first-time-home-buyer-ira-withdrawal/ So we finally put a bid on the house and it was a verbal bid. The real estate agent didn't even bat an eyelash at the bid. The sellers dont seem to be too keen on taking a bid that is below their asking price. Currently, the property has been ... http://www.pmoa.net/2007/01/24/put-a-bid-on-the-house/ We are finally ready to put a bid in on the house. We received some information from the selling agent that someone is taking a third look at the house and really can't determine which house to choose. So, maybe we have some competition for the place. Here are a ... http://www.pmoa.net/2007/01/18/how-to-go-through-the-bidding-process/ If you guys and gals have a mac and you have HD at home, you are in LUCK! I was reading on the internet and there was a fantastic DIY on how to record HD content straight from your cable box! No more TiVo necessary when you do this and ... http://www.pmoa.net/2007/01/15/cheap-hd-personal-video-recorder/ Just when you thought that buying your first house was easy, it becomes a monster. There is a laundry list of items you should have ready just in case you want to put a bid in on the house. There are so many houses out there and time is ... http://www.pmoa.net/2007/01/10/what-you-need-before-buying-your-first-home/