Ding ding ding!

Rhode Island has a state health instance mandate, so if you click 'no,' then unfortunately you have to pay. However, if you click 'yes,' you are not required to prove it (unless audited).

https://tax.ri.gov/guidance/health-insurance-mandate

https://www.healthcare.gov/taxes/no-health-coverage/

I've heard the argument of "tip for things you can't do yourself" and the exchange of "To Insure Prompt Service." I was always a heavy tipper until it started getting shoved on my face. I'm surprised my obgyn doesn't hand me a tip tablet before I leave the office.

I don't live there anymore, but my current mechanic for basic shit is at a chevron station. They encourage tips as well, and it's astounding to me. The first time I went there was because I picked up a nail and they helped me within a few min, so I handed the guy 20 bucks for his help, then I went in to pay. I felt like an idiot for handing it to him now that I know they expect it, in some sense. I'd never seen that before.

I hope it all works out for you and that your realtor has more insight to give you peace of mind!

I'm in the middle of selling a home in RI now, and we marked "unknown" on most of the lines, because we didn't have the proper documentation to prove what we knew/ were aware of. The previous owner had a bathroom installed in the basement but never got permits for the work, so we couldn't even add that it had that bathroom on our listing.

I would ask your realtor about it, as they are way more privy to what's up with the seller. Could be nothing, but if your gut is saying that's weird, then it probably is.

I personally am not a fan of bank of America, but after moving across the country multiple times, it's nice to have a national bank. If you prefer a more "local" bank, citizens is a fair choice.