u/CA-girl2398

You guys I am so sick of swimmers itch! I seem to get it worse every year, try to be stoic but it's sooo itchy for about 5 days every time. Which means I spend most of my summer itching since I swim in lakes at least once a week. Any tips?

What I have tried (prevention):

Wetsuit, but sometimes it's just too warm.

Vaseline or coconut oil over sunscreen on exposed skin.

Toweling off vigorously (there are no showers where I swim).

Treatment:

Cortisone cream

Pepcid + Claritin (I was told the 2 types of antihistamine together helps)

Ice

I feel like I'm having a worse reaction every year, sometimes people I swim with get no spots and I end up with 10-20. I know it is an allergic reaction so probably getting worse with exposure.

Does anyone have a recommendation for an accountant who is good with rental properties for a non-resident taxpayer?

I live outside NZ so I need reporting on a calendar year basis as well as for the NZ tax year, and my current accountants have screwed this up too many times.

We've gotten preapproved with two brokers and a credit union. Credit union is offering 5.49% rate for only a couple thousand extra cash down vs broker rate of 6.375%. It's by far a better offer and would save a lot on monthly payments, but I'm concerned about potential issues during escrow.

We are self employed and all set to file S Corp for 2025 for the first time (got an extension), so taxable income is much lower. We also have rental properties in a foreign country which are showing a taxable loss with depreciation, but about covering themselves in real cash flow.

The broker has already cleared with underwriting that we won't be asked for 2025 documentation and we easily qualify based on 2024 tax return (Schedule C).

Credit union hasn't asked for many docs yet, but loan officer did say that underwriting would want to see P&L and W2s for 2025. I've asked if they can have underwriting look at the docs early and confirm that 2025 income won't be an issue.

Is this a valid concern or am I overthinking this? What else specifically should I ask the credit union for to ensure we don't have problems with the loan approval during escrow?

I'm planning to update my business name and working on citations before I change my GBP. I have a bunch of smaller websites updated through SEMRush listing management, but I'm having trouble updating a few of the majors.

Yahoo - I thought this pulled through from YellowPages, but it updated on YellowPages a week ago and Yahoo hasn't changed.

Yelp - I keep editing it in business view and it keeps reverting back.

Bing - it says published on my dashboard, but when I look from incognito window, the old name is still there.

Any tips on getting these critical citations updated? I was able to update Apple Maps, FB and BBB (I'm accredited). Thanks!