threejayg

u/threejayg


r/Mortgages•

I refied a few years back. The appraisal came in low and our ltv was around 88%. Weve been paying pmi ever since

I was told by my mortgage broker that when we hit 78% ltv pmi would automatically drop.

I've been paying an extra few hundred on each payment to speed up that process. Well we're now at 78% ltv, and I inquired about getting it removed.

The banks response was,

"Automatic lender termination date with respect to your loan disclosed on your loan document is 12/01/2019.  This is when the 78% ltv is “scheduled “ based on amortization at time of funding.

Anytime, prior to this timeframe, an appraisal is required to verify value.  "

Isn't this some crap. First, an appraisal is $6

18

r/applehelp•

Have a 2009? MacBook pro unibody with a core 2 duo.

Recently started acting funny and randomly not booting. It got worse and now won't boot at all. I made a bootable USB with high Sierra on it to try to do a fresh install.

I insert USB, power and option, the flash drive shows up, I click it and I get the circle with the line through it.

I removed both sticks of ram, tried each one individually, removed hard drive, nothing changes.

Once gave this error.

http://i.imgur.com/bvuWz3a.jpg

18

r/Ebay•

I just sold a freezer door $400 (long story) for a stainless whirlpool fridge. It's getting shipped to airport exchange in elranger ky(pretty sure this is where it goes for international stuff.)

The guy has been a member for 10 years and has an 8 feedback as a buyer.

It just seems fishy to me.

110

Starting a new traveling job. Company doesn't offer car, but in six months will offer car and in 18 months it will be mandatory. We (4+dog) are currently a one family vehicle 2008 Scion xB. Just had me pistons installed from Toyota. Clutch and water pump too. 150k miles.

The company gives 450/mo plus $.25/mile for travel.

Drive roughly 20k miles a year

I'm considering buying a used Prius v 2013 80000 miles $12000 and keeping for 18 months(the$450 stops at 18 months) and then selling the xB and keeping the Prius.

I'm considering renting a car from Hertz for $550 a month for 6 months and then taking the company car.

In Philly. Can fix mostly and problem with the Prius minus major

43


r/Cartalk•

I have a 2000 GMC Sierra and the key can be removed without the ignition completely off. I don't use the truck much, maybe once a week and it gets lent out occasionally. Almost every time it gets lent out, I go to use it and it's dead.

I want to add a switch before the ignition that I'd have to switch on before using the truck and turn off after using the truck. Something that would not allow the battery to drain if the key is left on.

Is there one ignition wire that I could switch that would achieve this?

14

r/HomeImprovement•

I have a flat roof that's used as a deck. It has a frame built over top of a torch down roof. When you step out onto the deck, you step up to the deck and when you go back into the house, you hit your head when stepping down

I've been removing deck boards because they're cracked and old. I thought the roof below was fine but I fell through it on super bowl Sunday just as it started to rain. A quick patch has held fine so far.

So obviously the deck and rotted roof need to be removed new t&g plywwood installed. I'd prefer to avoid another torchdown and deck above it. Never a fan of that setup.

Fiberglass is a popular option here in Philly for roof decks but it's pretty pricey.

48



r/Plumbing•

Boiler and water heater in basement of philly row home. Chimney is pictured. There was a cap but i removed it to look for obstruction. It's wide open. The boiler is 140k and the water heater 36k. I've lived in this house for 4 years and never noticed it before. Doesn't mean it wasn't happrning. Monoxide detecrs are new and not going off. When the boiler fires the room gets very humid. The damper valve is opening and closing properly. If you put a match by the water heater it blows it out and the smoke comes into the room.

Pilot stays lit.

Two sides of chimney are on cold walls

Here's a video https://youtu.be/l42eXDYj_SM

http://imgur.com/a/gK5Ze

Still back drafting. Boiler flue pi

12

r/HVAC•

Carrier gas furnace 90%.

Tstat calls Induction motor starts Burners start Fan motor starts Flame for 2-3 minutes Flame goes out Then fan stops No error codes Intake and exhaust not blocked

Cleaned flame sensor but

416