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brain backup 2026-09-14

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Adolfo Reyna
2026-09-14 22:38:47 -04:00
parent ca346cc6e7
commit f0ead4f6fa
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areas/finances/220_emerald_flood_insurance.md
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@@ -43,9 +43,14 @@ Tags: [areas, finances, insurance, flood, 220_emerald, neptune]
- Mail checks payable to: Neptune Flood Incorporated, PO Box 735653, Chicago, IL 60673-5653.
- Courier deliveries only (FedEx/UPS): JPMorgan Chase, Attn: Neptune Flood Incorporated 735653, 131 S. Dearborn St, Floor 6, Chicago, IL 60603.
## 2026-08-21 Payment Status — User Confirmed
- **Neptune flood renewal was paid.** The user confirmed payment in the family chat; retain the official payment confirmation/receipt if available.
- Policy TNF4366115 covers 220 Emerald Ave through **2027-08-21**.
- **Planning request:** research alternative flood-insurance options before the 2027 renewal payment, then compare price, limits, deductibles, exclusions, lender acceptance, and waiting period against Neptune. Do not cancel or change coverage without explicit approval.
## Follow-up
- Verify after July 22, 2026 that the automatic payment processed for $870.23 and coverage renewed.
- Keep the photo/notice as backup if lender or insurance questions come up.
- Begin alternative-policy research around **June 2027**, before the August 21, 2027 renewal.
- Keep the photo/notice and payment confirmation as backup if lender or insurance questions come up.
## Related
- [[220_emerald_mortgage]]
areas/finances/220_emerald_mortgage.md
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@@ -25,6 +25,18 @@ Tags: [finances, mortgage, 220_emerald, debt]
- Corrected by Adolfo on 2026-05-20 (supersedes earlier typo values).
- Keep this note as the source of truth for current mortgage numbers unless a newer lender statement is provided.
## Escrow Analysis — Effective 2026-10-01
- **Source:** Pennymac escrow-analysis email provided by Adolfo; analysis completed 2026-08-12. Original email/document path not supplied.
- **New monthly payment:** `$5,373.43`, beginning with the payment due 2026-10-01.
- **Current monthly payment:** `$5,358.53` (consistent with the prior lender snapshot).
- **Change:** `+$14.90/month`.
- **Principal & interest:** `$4,030.20` (unchanged in the notice).
- **Current escrow payment:** `$1,328.33`.
- **New escrow payment:** `$1,343.23` (`+$14.90/month`).
- **Escrow drivers:** Property taxes unchanged at `$639.25/month`; mortgage insurance unchanged at `$145.35/month`; hazard insurance increased from `$543.73` to `$558.63/month` (`+$14.90/month`). Reserve requirement and shortage amount remain `$0.00`.
- **Projected escrow surplus/refund:** `$536.36`, to be refunded by Pennymac to the bank account configured for eDisbursement.
- **Action/date:** Payments due before 2026-10-01 should use the current amount; use `$5,373.43` starting 2026-10-01. Monitor for the `$536.36` refund.
## Related
- [[Finances Index]]
- [[Areas]]