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I would not dismiss APR quite so quickly. It is still useful for putting fees and interest into one comparison, provided both illustrations use the same loan amount, term and assumptions. The problem is treating it as the only figure. Get the reset formula in writing, along with any...

“Electrical checks” needs a deliverable. Ask what will actually be inspected or tested, what written findings you receive, and whether remedial work is included. The contractor should also confirm assumptions about existing circuits and the demand from the proposed kitchen equipment and energy...