Donât argue with your veterinarian on this one. The point is not to quibble over words but to get results. So if your vet happens to be an insensitive boor when it comes to delivering advice (as I can be), let it go.Whatever you do, just admit that the person youâve charged with helping to maintain your petâs health has recommended he lose weight.onât argue with your veterinarian on this one. The point is not to quibble over words but to get results. So if your vet happens to be an insensitive boor when it comes to delivering advice (as I can be), let it go.
In New York, the seller traditionally pays the transfer tax. Transfer taxes can become a negotiating point during closing. For instance, in a strong sellerâs market, the seller may have multiple offers and will likely find a buyer who agrees to pay the transfer tax and other closing costs.
Taxes: The mortgage company estimates the property taxes your county and/or state will charge, divides that amount by 12, and collects it monthly. The lender will then pay the taxes when theyâre due each year. Insurance: You can find two types of insurance in this portion of your bill. The first is your homeowners insurance. Lenders require you to have home insurance to protect their investment. The second is private mortgage insurance. If you did not make a down payment of at least 20 percent, your lender usually requires you to purchase this insurance. It protects the lender in case you default on the mortgage.