Search found 1989 matches
- Wed Mar 13, 2024 6:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: 401k Beneficiary Designations - Directing Pre-Tax vs Post-Tax?
- Replies: 7
- Views: 887
Re: 401k Beneficiary Designations - Directing Pre-Tax vs Post-Tax?
Interesting post. Something I didn’t consider when deciding to do in-plan conversions rather than conversions to a Roth IRA.
- Thu Feb 22, 2024 11:14 pm
- Forum: Personal Consumer Issues
- Topic: Has anyone ripped out a deck and replaced it with a patio?
- Replies: 26
- Views: 3562
Re: Has anyone ripped out a deck and replaced it with a patio?
Depends on your lot.
Deck can nicely avoid a step down from the door, to enjoy the outdoor space.
I don’t like that I can’t observe the drainage being effective since the ground is covered.
My preference is concrete and the step.
Deck can nicely avoid a step down from the door, to enjoy the outdoor space.
I don’t like that I can’t observe the drainage being effective since the ground is covered.
My preference is concrete and the step.
- Mon Jan 22, 2024 10:20 am
- Forum: Investing - Theory, News & General
- Topic: At what point of the accumulation process (DCA), do you hope the market goes up?
- Replies: 24
- Views: 1976
Re: At what point of the accumulation process (DCA), do you hope the market goes up (from a practical basis)?
Market doing well is good for my employment opportunities and compensation. So I want the market to always be going up.
- Mon Dec 25, 2023 6:50 am
- Forum: Personal Finance (Not Investing)
- Topic: Can I negotiate a 'new patient' bill from doctor?
- Replies: 57
- Views: 8829
Re: Can I negotiate a 'new patient' bill from doctor?
Pay what your eob says and drop it. I would hope the doctor would not negotiate that rate with you further as they are contracted by it. I believe they are not supposed to (somebody else would know more than me on this). If I was a doctor, I wouldn’t. If you came in as cash originally, maybe.
There are times when I feel like the procedure code doesn’t 100% align with the service received. Although in this case it does. It can annoy me especially when I haven’t hit the deductible yet. But now that I hit the deductible every year early, I don’t care anymore.
There are times when I feel like the procedure code doesn’t 100% align with the service received. Although in this case it does. It can annoy me especially when I haven’t hit the deductible yet. But now that I hit the deductible every year early, I don’t care anymore.
- Tue Dec 05, 2023 8:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Insuring an heirloom engagement ring - seeking advice
- Replies: 33
- Views: 3168
- Sun Nov 19, 2023 11:07 pm
- Forum: Personal Investments
- Topic: 401k loan interest…How is this calculated?
- Replies: 8
- Views: 862
Re: 401k loan interest…How is this calculated?
You confused the system by not just sending the full amount.
Call them.
Call them.
- Mon Nov 13, 2023 9:44 am
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
Re: City wants "Temporary Limited Easement" from me
Seems a lot easier to say no.
- Sun Sep 24, 2023 9:53 am
- Forum: Personal Finance (Not Investing)
- Topic: Spouse is expecting...and has been offered a big new job
- Replies: 18
- Views: 3975
Re: Spouse is expecting...and has been offered a big new job
1. No, they can keep her on even if job not protected.
2. No, and it’s too early to say anything at all.
3. Don’t know.
2. No, and it’s too early to say anything at all.
3. Don’t know.
- Mon Sep 18, 2023 1:55 am
- Forum: Personal Consumer Issues
- Topic: Water heater replacement . One or both?
- Replies: 19
- Views: 1635
Re: Water heater replacement . One or both?
If they’re in series… then bypass the leaking one, uninstall it, and just keep using the one that’s working. Do you need 100 gallons of hot water?
- Tue Aug 15, 2023 9:10 am
- Forum: Personal Consumer Issues
- Topic: crawl space under a house
- Replies: 24
- Views: 2832
Re: crawl space under a house
Pro is easy access to plumbing / drainage pipes.
- Tue Aug 15, 2023 9:09 am
- Forum: Personal Consumer Issues
- Topic: crawl space under a house
- Replies: 24
- Views: 2832
- Mon Aug 14, 2023 12:04 am
- Forum: Personal Finance (Not Investing)
- Topic: Asking price for a house
- Replies: 26
- Views: 4527
Re: Asking price for a house
Sounds like you should take the offer from opendoor, unless they also deduct fees.
- Sat Aug 12, 2023 6:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: BMW Lease - buy out or give back to dealer?
- Replies: 16
- Views: 2678
Re: BMW Lease - buy out or give back to dealer?
Revisit in a year.
- Sat Aug 12, 2023 2:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Would you buy a house in our situation?
- Replies: 34
- Views: 5065
Re: Would you buy a house in our situation?
I make a good salary like yours but once I got a few dogs I became an undesirable tenant. Sometimes it’s easier to own and not deal with coordinating your living situation with a landlord.
- Mon Jul 31, 2023 1:11 am
- Forum: Personal Finance (Not Investing)
- Topic: AZ landlord. Renter refused to pay the last month's rent. What next?
- Replies: 117
- Views: 14320
Re: AZ landlord. Renter refused to pay the last month's rent. What next?
You should let them go. They aren’t living there and it’s only one month you’re out. Could be way worse.
- Fri Jul 14, 2023 8:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Home Downpayment
- Replies: 8
- Views: 1173
Re: Home Downpayment
I’d do the 90%. Get in the house. Make a principal payment later if you decide you want to pay less interest.
Recasting is probably an option too, but even if not, I’d start with the 90%.
You probably can’t pull money out at the 4.75% rate. The refinance rate will be higher.
If rates go up, you’ll be happy. If rates go down, you’ll have more to refinance at the lower rate.
If you end up with a cash flow issue, you’ll have quite a bit more liquidity by putting less down.
My advice may change if you got a better rate for more down.
Recasting is probably an option too, but even if not, I’d start with the 90%.
You probably can’t pull money out at the 4.75% rate. The refinance rate will be higher.
If rates go up, you’ll be happy. If rates go down, you’ll have more to refinance at the lower rate.
If you end up with a cash flow issue, you’ll have quite a bit more liquidity by putting less down.
My advice may change if you got a better rate for more down.
- Wed Jul 05, 2023 10:05 pm
- Forum: Personal Consumer Issues
- Topic: Car upgrade dilemma
- Replies: 25
- Views: 3848
Re: Car upgrade dilemma
Sell dads car. Upgrade your car when ready.
- Tue Jul 04, 2023 6:57 am
- Forum: Personal Consumer Issues
- Topic: Discount Backsplash Tile
- Replies: 7
- Views: 953
Re: Discount Backsplash Tile
Backsplash tile is so cheap anyway…. Think I spent $400 on materials including the wet saw for a nice sized kitchen. How much are you trying to save in the context of a kitchen job?
I got my tile at Lowe’s and the grout at a tile shop with more options.
I got my tile at Lowe’s and the grout at a tile shop with more options.
- Mon Jun 26, 2023 1:09 am
- Forum: Personal Finance (Not Investing)
- Topic: 6.35% fixed rate or cash offer?
- Replies: 51
- Views: 4908
Re: 6.35% fixed rate or cash offer?
With that income and house price, it doesn’t matter.
But I’d not be willing to pay taxes on any gains in this scenario.
Take mortgage. If you want, pay it off quickly with new money. You could probably take care of the whole balance in a couple years and it’ll give you more flexibility.
But I’d not be willing to pay taxes on any gains in this scenario.
Take mortgage. If you want, pay it off quickly with new money. You could probably take care of the whole balance in a couple years and it’ll give you more flexibility.
- Thu Jun 22, 2023 9:20 am
- Forum: Personal Finance (Not Investing)
- Topic: Mortgage Payoff (<2 years) High Interest Rate (+6%)
- Replies: 10
- Views: 1050
Re: Mortgage Payoff (<2 years) High Interest Rate (+6%)
What’s the question?
Looks fine if you’re happy with it. Except the home warranty is a scam and you’ll have a hard time getting value out of it in an emergency.
Looks fine if you’re happy with it. Except the home warranty is a scam and you’ll have a hard time getting value out of it in an emergency.
- Mon Jun 19, 2023 10:38 pm
- Forum: Personal Consumer Issues
- Topic: Home fire safe or safe deposit box?
- Replies: 59
- Views: 5460
Re: Rethink safe deposit box?
Waste of $45 for this stuff IMO
- Mon Jun 12, 2023 11:07 am
- Forum: Personal Finance (Not Investing)
- Topic: How much home should we afford as first-time buyers and when?
- Replies: 10
- Views: 1805
Re: How much home should we afford as first-time buyers and when?
If you’re looking to have kids, you should be working on that first. I’m 100k into trying to have kids. It could impact your finances.
Fertility drops off a cliff past 35. I’m not saying it’s impossible, I’m just suggesting to look at the statistics.
Fertility drops off a cliff past 35. I’m not saying it’s impossible, I’m just suggesting to look at the statistics.
- Tue Jun 06, 2023 1:54 am
- Forum: Personal Finance (Not Investing)
- Topic: 0% Direct Deposit Cash Advance offer
- Replies: 8
- Views: 1259
Re: 0% Direct Deposit Cash Advance offer
Is this satire?
- Sun Jun 04, 2023 7:58 pm
- Forum: Personal Consumer Issues
- Topic: Cooktop on/in Counter
- Replies: 18
- Views: 1579
Re: Cooktop on/in Counter
It costs more in the sense that you have to buy two appliances.
If it breaks, you'll be able to find one to fit the hole.
Induction is awesome. I got my 30" for $1000. I dropped it into the hole in the quartz and didn't secure it down. It's fine. I can easily replace it. There's a spring that keeps it tight.
If it breaks, you'll be able to find one to fit the hole.
Induction is awesome. I got my 30" for $1000. I dropped it into the hole in the quartz and didn't secure it down. It's fine. I can easily replace it. There's a spring that keeps it tight.
- Fri Jun 02, 2023 6:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical provider seeking additional $937 from 2021 activity
- Replies: 7
- Views: 824
Re: Medical provider seeking additional $937 from 2021 activity
Check to see if you have a newly issued explanation of benefits that pulled back that amount. If you do, then that explains it. It’s not your medical provider’s fault unless they billed incorrectly.
- Thu Jun 01, 2023 8:29 am
- Forum: Personal Finance (Not Investing)
- Topic: How to annuitize inheritance for 63 yr old son with no assets
- Replies: 66
- Views: 6811
Re: How to annuitize inheritance for 63 yr old son with no assets
If he was amenable to it, I missed that. Sounds unrealistic to me. This is just going to create drama.smectym wrote: ↑Wed May 31, 2023 9:52 pmWell, yes it is his money, but if he were amenable to having it managed for him, that’s the better course.Goal33 wrote: ↑Wed May 31, 2023 4:18 pm 63 years old? I'd recommend giving him his share the same as the rest. It's spendthrift brother's problem. You said no dependents but I wasn't sure if that means there are no grandkids on that side. Another idea is to just skip entirely and leave that money to his kids.
- Wed May 31, 2023 4:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to annuitize inheritance for 63 yr old son with no assets
- Replies: 66
- Views: 6811
Re: How to annuitize inheritance for 63 yr old son with no assets
63 years old? I'd recommend giving him his share the same as the rest. It's spendthrift brother's problem. You said no dependents but I wasn't sure if that means there are no grandkids on that side. Another idea is to just skip entirely and leave that money to his kids.
- Tue May 30, 2023 12:46 am
- Forum: Personal Finance (Not Investing)
- Topic: The Benefits of Being Underemployed
- Replies: 25
- Views: 4816
Re: The Benefits of Being Underemployed
I have been in this position before.
All it takes is a few re-orgs or a new manager and it’s over.
All it takes is a few re-orgs or a new manager and it’s over.
- Wed May 24, 2023 9:16 am
- Forum: Personal Investments
- Topic: What to do with old 401K
- Replies: 25
- Views: 1782
Re: What to do with old 401K
Not true (at least in many cases). In both my account and my wife’s account, the rollover portions have always been available to withdraw/rollover again.
- Wed May 17, 2023 4:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Talk me out of my idea to sell our old rental house and use it to recast our new mortgage
- Replies: 14
- Views: 1207
Re: Talk me out of my idea to sell our old rental house and use it to recast our new mortgage
Right, but since OP paid that, they now have an under market mortgage rate.
And they asked to be talked out of the plan
- Wed May 17, 2023 12:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Talk me out of my idea to sell our old rental house and use it to recast our new mortgage
- Replies: 14
- Views: 1207
Re: Talk me out of my idea to sell our old rental house and use it to recast our new mortgage
Ok, how about this?
Ask yourself why you paid $8000 in points if you were going to accelerate pay off. Wasted a nice chunk of that if this was the plan.
Ask yourself why you paid $8000 in points if you were going to accelerate pay off. Wasted a nice chunk of that if this was the plan.
- Sun May 14, 2023 12:02 pm
- Forum: Personal Consumer Issues
- Topic: Fix old car, replace old car, or add a 2nd one?
- Replies: 13
- Views: 1283
Re: Fix old car, replace old car, or add a 2nd one?
If there is no parking issue consideration, I’d go for 2 cars.
- Thu May 11, 2023 9:34 am
- Forum: Personal Finance (Not Investing)
- Topic: Wife wants to keep money losing condo - should I pay off a 4.5% fixed or recast?
- Replies: 74
- Views: 7563
Re: Mortgage payoff decision
That 18k swing is either fuzzy math or it’s almost paid off anyway in 6 or so years. I wouldn’t bother with paying it off.
- Sun May 07, 2023 2:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Letter from IRS
- Replies: 22
- Views: 2886
Re: Letter from IRS
Sounds like a scam to me
- Sat May 06, 2023 8:32 am
- Forum: Personal Consumer Issues
- Topic: Auto insurance, full coverage vs liability?
- Replies: 23
- Views: 2513
Re: Auto insurance, full coverage vs liability?
Your 07 f150 with 90k miles is worth more than 5k. Probably more like 10-15k
- Fri May 05, 2023 2:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Estate Matters - selling vehicles
- Replies: 74
- Views: 5385
Re: Estate Matters - selling vehicles
If a beneficiary is complaining, can they just be sold the car at the carmax price?
- Sat Apr 29, 2023 4:13 pm
- Forum: Personal Investments
- Topic: Student Loan @ First Republic Bank
- Replies: 10
- Views: 1645
Re: Student Loan @ First Republic Bank
It’s going to get lost in the shuffle
- Thu Apr 06, 2023 11:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Laid off from tech job
- Replies: 84
- Views: 11336
Re: Laid off from tech job
Not to mention the wife is still making 125k. He will be fine even if it takes years.HawkeyePierce wrote: ↑Thu Apr 06, 2023 11:13 pm I don't see the emergency here. You've got plenty of assets to float yourself for a long time. Just keep looking for a job, even if it takes another six months you'll be fine.
- Sun Mar 12, 2023 5:28 pm
- Forum: Investing - Theory, News & General
- Topic: [Bank failure discussion mega-thread]
- Replies: 2482
- Views: 214080
Re: Can the FDIC run out of money?
Sounds bad.
- Sun Mar 12, 2023 1:44 pm
- Forum: Personal Consumer Issues
- Topic: Downsizing to One Car
- Replies: 21
- Views: 2300
Re: Downsizing to One Car
I would suggest doing nothing. You have enough going on and this is just a distraction. You can sell a car anytime, don’t need a letter from the dealership.
I think your last post said you don’t want to make emotional decisions. Worrying about what are basically two low value cars right now is an emotional decision.
I think your last post said you don’t want to make emotional decisions. Worrying about what are basically two low value cars right now is an emotional decision.
- Thu Mar 09, 2023 11:50 am
- Forum: Personal Investments
- Topic: Parents Real Estate Deal - Say something?
- Replies: 130
- Views: 11645
Re: Parents Real Estate Deal - Say something?
Sounds like my dad. Sorry to tell you my friend but you aren’t getting a penny. Worst of it is he won’t get to enjoy those last dimes that he has a right to spend.Tridentine wrote: ↑Wed Mar 08, 2023 7:27 pm "he has the right to spend every last dime he made before he dies and nobody including his kids are entitled to it"...
- Mon Mar 06, 2023 12:37 am
- Forum: Personal Finance (Not Investing)
- Topic: Landlord died, advice on purchasing condo from heirs
- Replies: 11
- Views: 2281
Re: Landlord died, advice on purchasing condo from heirs
What if the value is up 100k by the time it’s available for purchase? What if it’s never available for purchase?
Just buy a condo you want and don’t put your life in pause for this deal. In fact, right now, you have great flexibility with a month to month lease… go home shopping.
Just buy a condo you want and don’t put your life in pause for this deal. In fact, right now, you have great flexibility with a month to month lease… go home shopping.
- Sun Mar 05, 2023 11:26 am
- Forum: Personal Finance (Not Investing)
- Topic: Can we buy this home?
- Replies: 20
- Views: 2418
Re: Can we buy this home?
They don’t want the cheaper house.aristotelian wrote: ↑Sun Mar 05, 2023 5:39 amWhy is that? The wife is fully committed to private school and they can afford it, especially if they save $300k on housing.
- Sun Mar 05, 2023 4:59 am
- Forum: Personal Finance (Not Investing)
- Topic: Can we buy this home?
- Replies: 20
- Views: 2418
Re: Can we buy this home?
I think you can afford it. But I think you need to buy somewhere where you’re happy with public school.
- Thu Feb 23, 2023 12:19 am
- Forum: Personal Finance (Not Investing)
- Topic: Can I afford our “dream” home
- Replies: 36
- Views: 6109
Re: Can I afford our “dream” home
Typically you can afford it but not in this case unless you can explain why your networth is low compared to your income.
- Wed Jan 18, 2023 3:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: New Mortgage: Why would anyone choose ARM when ARM is [more] expensive than 15 year fixed ?
- Replies: 41
- Views: 3826
Re: New Mortgage: Why would anyone choose ARM when ARM is expensive than 15 year fixed ?
ARM is self-insurance. I've never had one, because the 15 year fixed was at a lower rate. However, I would have taken an arm at a lower rate, if available.
- Tue Jan 17, 2023 3:21 pm
- Forum: Personal Consumer Issues
- Topic: Windshield replacement $1,800. Would you use insurance?
- Replies: 45
- Views: 4733
Re: Windshield replacement $1,800. Would you use insurance?
I'd go for $0. $1800 worth more now than later, and we don't even know about later.
- Fri Jan 13, 2023 2:41 pm
- Forum: Personal Consumer Issues
- Topic: writing a personal check to a married couple
- Replies: 28
- Views: 3535
Re: writing a personal check to a married couple
Write them 2 checks. Half the amount, to each. Or give one more than the other, make it interesting.
- Wed Jan 04, 2023 12:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Are you seeing home prices go down in your area?
- Replies: 49
- Views: 4725
Re: Are you seeing home prices go down in your area?
in the Tri-Valley / East Bay of SF Bay Area. We are down 15-20% from the peak.
- Fri Dec 23, 2022 1:19 am
- Forum: Personal Consumer Issues
- Topic: Amazon Order Not Received and They Won't Make Right (UPDATE: RESOLVED)
- Replies: 161
- Views: 15176
Re: Amazon Order Not Received and They Won't Make Right - Consumer Advice?
Is it possible you gave them the wrong address and it was delivered to the (correct) wrong address?
I have multiple addresses on my account from previous residences to addresses of family that I’ve sent gifts to.
I have multiple addresses on my account from previous residences to addresses of family that I’ve sent gifts to.