Anyone who know me, knows I am a very generous trader and I also give away tons of plants. I was really set up this morning only to receive an email tonight saying they would sell me the plant plus shipping. He is probably someone who sells on Ebay and thought he could use this forum for more sales as they just joined in Nov. BTW, D'Ann, when are you coming to see me? I have lots of plants for you. :)

Wow! Somebody either erred/misled big time. Was the possibility of wrapping prepaids into a tax deductible point presented to you by a mortgage broker or a loan officer from the lender? Was this arrangement written down anywhere? At any rate, the scenario is not allowed by the IRS and I would think most lenders and settlement companies would be completely aware of this. Your HUD-1 settlement sheet is your document of record and the one the IRS would review in the case of an audit/question. I'd pursue it with a higher up at the lender and,depending, on what I heard report it to the lender's regulatory authority. The deductibility of points can be a bit confusing so I'll let the IRS explain it: ___"Topic 504 - Home Mortgage Points The term "points" is used to describe certain charges paid to obtain a home mortgage. Points may be deductible as home mortgage interest, if you itemize deductions on Form 1040, Schedule A (PDF). If you can deduct all of the interest on your mortgages, you may be able to deduct all of the points paid on the mortgage. For information on deducting interest, refer to Topic 505. You can deduct the points in full in the year they are paid, if all the following requirements are met: -Your loan is secured by your main home (your main home is the one you live in most of the time). -Paying points is an established business practice in your area. -The points paid were not more than the amount generally charged in that area. -You use the cash method of accounting. This means you report income in the year you receive it and deduct expenses in the year you pay them. -The points were not paid for items that usually are separately stated on the settlement sheet such as appraisal fees, inspection fees, title fees, attorney fees, or property taxes. -You provided funds at or before closing, that were at least as much as the points charged, not counting points paid by the seller. You cannot have borrowed the funds from your lender or mortgage broker in order to pay the points. -You use your loan to buy or build your main home. -The points were computed as a percentage of the principal amount of the mortgage, and -The amount is clearly shown on your settlement statement. Points that do not meet these requirements may be deductible over the life of the loan. Points paid for refinancing generally can only be deducted over the life of the new mortgage. However, if you use part of the refinanced mortgage proceeds to improve your main home and you meet the first six requirements stated previously, you can fully deduct the part of the points related to the improvement in the year you paid them with your own funds. Points charged for specific services, such as preparation costs for a mortgage note, appraisal fees or notary fees are not interest and cannot be deducted. Points paid by the seller of a home cannot be deducted as interest on the seller's return, they are a selling expense which will reduce the amount of gain realized. Points paid by the seller may be deducted by the buyer provided the buyer subtracts the amount from the basis, or cost, of the residence. Points you pay on loans secured by your second home, can be deducted only over the life of the loan. You may be subject to a limit on some of your itemized deductions, including points, for more information on the adjusted gross income limitations please refer to the Form 1040 Instructions. For more information on points, refer to Publication 936, Home Mortgage Interest Deduction."

That's great! I'm glad they (1) responded & (2) realized the sign was confusing (3) corrected it! Always nice to hear a happy ending!

I had a problem with Wayfair when I ordered my backsplash tile. On January 15th I placed an order for my backsplash tile and they gave a ship date of January 26th. It was a sale for 1 week on that tile. On January 27 I noticed the tile had not been shipped out yet so I called Wayfair and was told it was back ordered and It wont ship until April 30. I was not to pleased about it but I really wanted the tile and it was a great price 50% off than any of the other stores. So I decided to wait for it. On April 30th I received an email stating the tile was discontinued and I will not be receiving it. I was furious that I waited all those months for it and now I wont be getting it. I was back to the drawing board trying to find a tile that I loved. The middle of May I noticed they were offering the same tile I ordered but at the higher price. I called and asked about it and they told me that it was available and they would be more than happy to place an order for me. I explained that I had previously placed an order for the tile and If it is available I would like to purchase it at my original price. I was told that is not possible. I escalated to the issue to a manager and he told me the same thing. I could see I was not going to get any resolution with the manager I told him I was not interested in it at the higher price. I did received an email from the manager a 5 days ago stating the item is no longer available and they will be removing it from the website. It took them a month to figure out they no longer have the item. The item is still on Wayfair. I used to love ordering things from Wayfiar but this issue put a bad taste in my mouth and I wont be ordering from them any more.