Comments for Diy Mails http://www.diymails.com Focus on network security, technical resources to share! Sat, 31 Jul 2010 22:47:01 +0000 http://wordpress.org/?v=2.7.1 hourly 1 Comment on Can you use your gift for a downpayment to show you have it but not pay it at closing? by Phil http://www.diymails.com/can-you-use-your-gift-for-a-downpayment-to-show-you-have-it-but-not-pay-it-at-closing.html/comment-page-1#comment-3947 Phil Sat, 31 Jul 2010 20:35:47 +0000 http://www.diymails.com/can-you-use-your-gift-for-a-downpayment-to-show-you-have-it-but-not-pay-it-at-closing.html#comment-3947 If I understand you correctly you are trying to borrow the down payment as part of the closing costs. No, because the down payment is an amount you own that goes into the home so that you have a percentage of equity in the home. This is to give you something to lose in case you get in trouble. It would end the whole point of the down payment to do that. But if you have a really motivated seller and good appraisal, you could get the seller to pay the down payment. In that case the selling price is say $110,000 but the seller gives you credit for $6000 in closing costs, for example. What you actually pay in is your earnest money (which can be a small amount) and then you get a bill at closing for everything you haven't paid that is not in the mortgage. That would include your down payment. If he has agreed to $4000 credit then you will technically be paying the down payment but in effect he pays it... hard to find a seller who would want to do it but these days.... If I understand you correctly you are trying to borrow the down payment as part of the closing costs. No, because the down payment is an amount you own that goes into the home so that you have a percentage of equity in the home. This is to give you something to lose in case you get in trouble. It would end the whole point of the down payment to do that.

But if you have a really motivated seller and good appraisal, you could get the seller to pay the down payment. In that case the selling price is say $110,000 but the seller gives you credit for $6000 in closing costs, for example. What you actually pay in is your earnest money (which can be a small amount) and then you get a bill at closing for everything you haven’t paid that is not in the mortgage. That would include your down payment. If he has agreed to $4000 credit then you will technically be paying the down payment but in effect he pays it… hard to find a seller who would want to do it but these days….

]]> Comment on Why isn't it acceptable to accept gifts for treating patients? by PooPooLaTrash http://www.diymails.com/why-isnt-it-acceptable-to-accept-gifts-for-treating-patients.html/comment-page-1#comment-3946 PooPooLaTrash Sat, 31 Jul 2010 14:33:09 +0000 http://www.diymails.com/why-isnt-it-acceptable-to-accept-gifts-for-treating-patients.html#comment-3946 It's a fine line to walk. Speaking as a nurse, most hospitals have policies forbidding nurses from accepting gifts from patients or their families with the rationale that the nurse would be obligated to somehow compensate for the gift (either giving one of similar value back to the person or in "better" care). That said, it's very difficult to turn down a box of homemade candy, cookies, etc. Those gifts are generally shared with other staff members. If patients or their families try to give cash or checks, we ask that they instead donate to the hospital fund or a charity of their choice in the hospital's name. Sending a personal thank you card to a doctor or other staff member isn't frowned on and is appreciated by the recipient. It’s a fine line to walk. Speaking as a nurse, most hospitals have policies forbidding nurses from accepting gifts from patients or their families with the rationale that the nurse would be obligated to somehow compensate for the gift (either giving one of similar value back to the person or in "better" care).

That said, it’s very difficult to turn down a box of homemade candy, cookies, etc. Those gifts are generally shared with other staff members. If patients or their families try to give cash or checks, we ask that they instead donate to the hospital fund or a charity of their choice in the hospital’s name.

Sending a personal thank you card to a doctor or other staff member isn’t frowned on and is appreciated by the recipient.

]]> Comment on What is a good gift for my girlfriends and my one year dating anniversary? by Leena Rosen http://www.diymails.com/what-is-a-good-gift-for-my-girlfriends-and-my-one-year-dating-anniversary.html/comment-page-1#comment-3945 Leena Rosen Sat, 31 Jul 2010 08:33:54 +0000 http://www.diymails.com/what-is-a-good-gift-for-my-girlfriends-and-my-one-year-dating-anniversary.html#comment-3945 Get her the 'hair thing', whatever it is, in addition to a spa package or something like it, since she seems to enjoy the girly pamperin'. Have fun, you both sound sweet. PS; you always get extra points for doing anything hand-made. It's more personal and intimate; things like poetry, teddy bears dressed up like her (build-a-bear stores), home cooked meals, ect. Get her the ‘hair thing’, whatever it is, in addition to a spa package or something like it, since she seems to enjoy the girly pamperin’. Have fun, you both sound sweet. PS; you always get extra points for doing anything hand-made. It’s more personal and intimate; things like poetry, teddy bears dressed up like her (build-a-bear stores), home cooked meals, ect.

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