Can anyone comment on how long ACH transfers actually take?

That will be paid with transfer of title. 

Every once in a while I transfer $1 from one to the other and, often, back again.

In one case I discovered that the deed was transferred to the county because the homeowner was behind TEN years in their taxes.

Is there a transfer if the lead to the walls, or if the paint is gone the lead is also?

@Joe YobaccioYes there are regulations, especially in regards to the compliant transfer of data to the seller and their licensed servicer.

Instead of all the payoff quote, fax, processing, wire transfer and whatever else fees that are normally charged when you sell ($300ish) , she only charged an $88 satisfaction fee. 

They responded and said that they would hire a licensed and bonded electrician and the repairs would be covered by a transferable warranty on closing (yay!)

. § 14-11-702, which reads as follws: (b) Without excluding other activities which may not constitute transacting business in this state, a foreign limited liability company shall not be considered to be transacting business in this state, for the purpose of qualification under this chapter, solely by reason of carrying on in this state any one or more of the following activities: (1) Maintaining or defending any action or administrative or arbitration proceeding or effecting the settlement thereof or the settlement of claims or disputes; (2) Holding meetings of its managers, members, or other owners or carrying on other activities concerning its internal affairs; (3) Maintaining bank accounts, share accounts in savings and loan associations, custodial or agency arrangements with a bank or trust company, or stock or bond brokerage accounts; (4) Maintaining offices or agencies for the transfer, exchange, and registration of membership or other ownership interests in it or appointing and maintaining trustees or depositaries with relation to such interests; (5) Effecting sales through independent contractors; (6) Soliciting or procuring orders, whether by mail or through employees or agents or otherwise, where such orders require acceptance outside this state before becoming binding contracts and where such contracts do not involve any local performance other than delivery and installation; (7) Making loans or creating or acquiring evidences of debt, mortgages, or liens on real or personal property or recording the same; (8) Securing or collecting debts or enforcing any rights in property securing the same; (9) Owning, without more, real or personal property; (10) Conducting an isolated transaction not in the course of a number of repeated transactions of a like nature; (11) Effecting transactions in interstate or foreign commerce; (12) Serving as trustee, executor, administrator, or guardian, or in like fiduciary capacity, where permitted so to serve by the laws of this state; or (13) Owning directly or indirectly an interest in or controlling directly or indirectly another person organized under the laws of or transacting business within this state.Good luck!

What if I contribute to my HSA with my current employer, then leave the job in 5 years, but leave the money in the HSA account, or transfer it to Ameritrade and buy a REIT stock with it and leave it in the stock until I am 65.