Where can I find filings of HUD-1 statements?
"Three companies may have copies of it: the bank, the Title Company (aka settlement company), and perhaps the real estate agent. The bank (assuming you had a mortgage) is usually the easiest one to contact, as you're probably still making payments to them. They may have sent you the form in a large packet when you sold the house and paid off the old mortgage. There is a tradition of sending customers their entire mortgage file once they pay off the mortgage after 30 years - which is very rare nowadays but many banks still adhere to it because the mortgage business is built on momentum and very slow to change. Otherwise, the title company should have a copy of it. If you don't know which company was used, they should be named as Trustee on the Deed Of Trust (which in most states is the official name of the document that we call a ""mortgage""). The county recorder's office will have a copy of that Deed Of Trust on record if you can't find it anywhere. Some counties have digitized these so you could find it online, but some would require you to request a copy and pay a small printing fee for it." Some of the information on the HUD-1 form would have been useful to complete the income tax paperwork the next spring. It would have had numbers for Taxes, and interest that were addressed at the settlement. It is possible it is mixed in with the next years tax information. If I needed a HUD-1 form from 15 years ago, I wouldn't ask the real estate agent, I would ask the settlement company. They might have a copy of the paperwork. They might have to retrieve it from an archive, so it could take time, and they could charge a fee. The local government probably doesn't have a copy of the HUD-1, but they do have paperwork documenting the sale price when the transaction took place. I know that the jurisdictions in my area have on-line the tax appraisal information going back a number of years. They also list all the purchases because of the change in ownership, and many also list any name changes.  You probably don't want a screen capture of the transactions page, but the tax office might have what you need. This is the same information that the title search company was retrieving for their report. Question. Is there going to be capital gains? For a single person there is no gains unless the increase in price is $250,000. For a couple it is $500,000. I am ignoring any time requirements because you mentioned the purchase was 15 years ago. I am also assuming that it was never a rental property, because that would require a lot more paperwork.
The best thing for you to do will be to start using the Cash Flow report instead of the Income and Expense report. Go to Reports -> Income and Expense -> Cash Flow Once the report is open, open the edit window and open the Accounts tab.  There, choose your various cash accounts (checking, saving, etc.).  In the General tab, choose the reporting period.  (And then save the report settings so you don't need to go hunting for your cash accounts each time.) GnuCash will display for you all the inflows and outflows of money, which appears to be what you really want. Though GnuCash doesn't present the Cash Flow in a way that matches United States accounting rules (with sections for operating, investing, and financial cash flows separated), it is certainly fine for your personal use. If you want the total payment to show up as one line on the Cash Flow report, you will need to book the accrual of interest and the payment to the mortgage bank as two separate entries. Normal entry for mortgage payments (which shows up as a line for mortgage and a line for interest on your Cash Flow): Pair of entries to make full mortgage payment show up as one line on Cash Flow: Entry #1:  Interest accrual Entry #2:  Full mortgage payment (Tested in GnuCash 2.6.1) I found the zephyr database, which does the job. Nonetheless if someone knows other (open) sources, be welcome to answer. "A few practical thoughts: A practical thing that helps me immensely not to loose important paperwork (such as bank statements, bills, payroll statement, all those statements you need for filing tax return, ...) is: In addition to the folder (Aktenordner) where the statements ultimately need to go I use a Hängeregistratur. There are also standing instead of hanging varieties of the same idea (may be less expensive if you buy them new - I got most of mine used): you have easy-to-add-to folders where you can just throw in e.g. the bank statement when it arrives. This way I give the statement a preliminary scan for anything that is obviously grossly wrong and throw it into the respective folder (Hängetasche). Every once in a while I take care of all my book-keeping, punch the statements, file them in the Aktenordner and enter them into the software. I used to hate and never do the filing when I tried to use Aktenordner only. I recently learned that it is well known that Aktenordner and Schnellhefter are very time consuming if you have paperwork arriving one sheet at a time. I've tried different accounting software (being somewhat on the nerdy side, I use gnucash), including some phone apps.  Personally, I didn't like the phone apps I tried - IMHO it takes too much time to enter things, so I tend to forget it. I'm much better at asking for a sales receipt (Kassenzettel) everywhere and sticking them into a calendar at home (I also note cash payments for which I don't have a receipt as far as I recall them - the forgotten ones = difference ends up in category ""hobby"" as they are mostly the beer or coke after sports). I was also to impatient for the cloud/online solutions I tried (I use one for business, as there the archiving is guaranteed to be according to the legal requirements - but it really takes far more time than entering the records in gnucash)." If you're researching a publicly traded company in the USA, you can search the company filings with the SEC. Clicking 'Filings' should take you here. Because a paying down a liability and thus gaining asset equity is not technically an expense, GnuCash will not include it in any expense reports. However, you can abuse the system a bit to do what you want.  The mortgage payment should be divided into principle, interest, and escrow / tax / insurance accounts. For example: A mortgage payment will then be a split transaction that puts money into these accounts from your bank account: For completeness, the escrow account will periodically be used to pay actual expenses, which just moves the expense from escrow into insurance or tax. This is nice so that expenses for a month aren't inflated due to a tax payment being made: Now, this is all fairly typical and results in all but the principle part of the mortgage payment being included in expense reports. The trick then is to duplicate the principle portion in a way that it makes its way into your expenses. One way to do this is to create a principle expense account and also a fictional equity account that provides the funds to pay it: Every time you record a mortgage payment, add a transfer from this equity account into the Principle Payments expense account. This will mess things up at some level, since you're inventing an expense that does not truly exist, but if you're using GnuCash more to monitor monthly cash flow, it causes the Income/Expense report to finally make sense. Example transaction split: Here's my approach: As for Google Docs, I think that its safe enough for most people. If you in a profession that was subject to heavy regulatory scrutiny, of if you are cheating on your taxes, I would probably not use a cloud provider. Many providers will provide documents to government agencies without a subpoena or notice to you. Since you worked as an RA, the university should send you a W2 form. The taxable wages line in that form would be the sum of both the direct salary and employer paid benefits that are taxable. As such you should not need to do anything than enter the numbers that they provide you. "This is the best tl;dr I could make, [original](http://www.housingfinance.com/news/us-losing-low-rent-units_o) reduced by 88%. (I'm a bot) ***** &gt; The lower end of the rental housing market continues to lose ground, according to the new The State of the Nation&amp;#039;s Housing report by the Joint Center for Housing Studies of Harvard University.  &gt; In examining the threats to the affordable housing supply, the report finds that housing created under the low-income housing tax credit is a concern.  &gt; Looking ahead, being intentional and being committed about developing affordable housing will be critical to addressing the rental housing crisis, said Terri Ludwig, president and CEO of Enterprise Community Partners, during a webcast held to discuss the report&amp;#039;s findings.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hw6os/us_losing_lowrent_units_despite_a_slight/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~146856 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **housing**^#1 **rent**^#2 **units**^#3 **more**^#4 **households**^#5" "Did it show just your address, or was your name on it as well?   You didn't share how long you've lived at the address either, so it makes me wonder whether a former tenant is the one who filed that paperwork.  It's also possible that someone used your address when making a filing.  Whether that was deliberate or accidental is hard to discern, as is their intent if it was intentional. It could be accidental -- someone picked ""CA"" for California when they meant to pick ""CO"" for Colorado or ""CT"" for Connecticut...These things do happen.  It can't make you feel any better about the situation though. You should be able to go online to the California Secretary of State's website (here) and look up everything filed by the LLC with the state.  That will show who the founders were and everything else that is a matter of public record on the LLC.  At the very least, you can obtain the registered agent's name and address for the LLC, which you can then use to contact them and ask why your address is listed as the LLC's business address. Once you have that info, you can then contact the Secretary of State and tell them it isn't you so they can do whatever is necessary to correct this. This doesn't sound like a difficult matter to clear up, but it's important to do your homework first and gather as much information as you can before you call the state.  Answering ""I don't know"" won't get you very far with them compared to having the best answers you can about where the mistake started. I hope this helps. Good luck!" "I expect that data may be copyright. Data that's published (e.g. on a newsfeed or web site) is subject to terms of use. Standard & Poor's web site says, about the Shiller indexes, Who do I contact at S&P to license my   use of these indices?   Questions   regarding licensing the   S&P/Case-Shiller Home Price Indices   can be addressed to:  Bo Chung    Managing Director    bo_chung@standardandpoors.com,   +1.212.438.3519 As for 'recording' the information yourself, that may depend on how and where (e.g. from what source) you're recording it. If for example you tried to record prices from the Canadian MLS (Realtor's) network, they too have their own terms of use on the data they publish. Copyright laws vary from country to country (and terms of use certainly vary): for example see http://en.wikipedia.org/wiki/Feist_v._Rural which is case law about copyrighting a phone directory in the USA, and contrast that with http://en.wikipedia.org/wiki/Database_right which is European legislation. So who owns data if it is determined by free market? I guess that ""determined by free market"" means that buyers and sellers are publishing their offers-to-buy and their offers-to-sell, and I guess that the publisher (e.g. the stock exchange) has 'terms of use' about the data (the offers) that they're publishing." Danger. The affidavit is a legal document. Understand the risk of getting caught. If you are planning on using the condo to generate income the chances that you default on the loan are higher than an owner occupied property. That is why they demand more down payment (20%+) and charge a higher rate.  The document isn't about making sure you spend 183+ nights a year in the property, it is making sure that it isn't a business, and you aren't letting a 3rd party live in the property.  If you within the first year tell the mortgage company to send the bill to a new address, or you change how the property is insured, they will suspect that it is now a rental property.  What can they do? Undo the loan; ask for penalty fee; limit your ability to get a mortgage in the future; or a percentage of the profits How likely is it? The exact penalty will be in the packet of documents you receive. It will depend on which government agency is involved in the loan, and the lenders plan to sell it on the secondary market.  It can also depend on the program involved in the sale of the property. HUD and sister agencies lock out investors  during the initial selling period, They don't want somebody to represent themselves as homeowner, but is actually an investor. Note: some local governments are interested not just in non-investors but in properties being occupied. Therefore they may offer tax discounts to residents living in their homes. Then they will be looking at the number of nights that you occupy the house in a year. If they detect that you aren't really a resident living in the house, that has tax penalties. Suggestion: If you don't want to wait a year buy the condo and let the loan officer know what your plan is. You will have to meet the down payment and interest rate requirements for an investment property. Your question implies that you will have enough money to pay the required 20% down payment. Then when you are ready buy the bigger house and move in. If you try and buy the condo with a non-investment loan you will have to wait a year. If you try and pay cash now, and then get a home equity loan later you will have to admit it is a rental. And still have to meet the investor requirements. The balance sheet and income statements are located in the 10-K and 10-Q filings for all publicly traded companies. It will be Item 8. "In your words, you want to ""easily determine whether an item was purchased as part of our individual accounts, or our combined family account."" It's not clear exactly to me what kind of reporting you're trying to get. (I find a useful approach here to be to start with the output you're trying to get from a system, and then see how that maps to the input you want to give the system.) Here's some possibilities:" You can find a record of past tax returns on the Get Transcript page on irs.gov. Update: As of 2016 it looks like that link only allows you to retrieve previous tax returns by mail. Previously it had allowed you to view and download them from their website. "Since your question was first posted, I happened to watch PBS FRONTLINE's The Retirement Gamble, about ""America's Retirement Crisis"" and the retirement industry.  You can watch the entire episode online at the previous link, and it's also available on DVD. Here's a link to the episode transcript. Here's a partial blurb from a post at PBS that announced the episode: If you’ve been watching any commercial television lately, you are well   aware that the financial services industry is very busy running   expensive ads imploring us to worry about our retirement futures. Open   a new account today, they say. They are not wrong that we should be doing something: America is   facing a retirement crisis. One in three Americans has no retirement   savings at all. One in two reports that they can’t save enough. On top   of that, we are living longer, and health care costs, as we all know,   are increasing. But, as I found when investigating the retirement planning and mutual   funds industries in The Retirement Gamble, which airs tonight on   FRONTLINE, those advertisements are imploring us to start saving for   one simple reason. Retirement is big business — and very profitable. (... more... ) There's another related PBS FRONTLINE documentary from back in 2006, Can You Afford To Retire? You'll find a link on that page to watch the program online. Finally, I'm also aware of but haven't yet seen a new documentary called Broken Eggs: The Looming Retirement Crisis in America. Looks like it isn't available for online streaming or on DVD yet, but I expect it would be, eventually."