Neither my wife nor I have English as our mother tongue, but we use English to communicate to each other, which sometimes causes confusion.
My wife often uses the expression "until now" to mean "so far" or "yet", meaning that the action is not yet finished.
I didn't receive any answer from the landlord until now.
To me "until now" means that for some time she didn't get answer but now (recently), she did.
So I'll usually reply something like:
Nice, so what did he say?
And she looks at me weirdly, as if I would have asked something silly and we both laugh.
My question is. Does "until now" always imply that the action you are talking is now finished, or can sometimes be used with the same meaning as yet?