Search found 144 matches

by athan
Fri Feb 16, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 15
Views: 1098

Re: Roof Leak...Need Advice

Sandtrap wrote:
Fri Feb 16, 2018 9:20 pm
This is something that should be fixed ASAP before future rains cause more damage.
It might be good at some point to weigh the costs of pursuing builder or roofer warranty work vs just getting it fixed, either by yourself or a roofer.
Good luck.
mahalo,
j :D
Thanks...good advice
by athan
Fri Feb 16, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 15
Views: 1098

Re: Roof Leak...Need Advice

if you want to fix it yourself, i can offer advice but not otherwise. my advice then is to go up on the roof with tar and a putty knife and tar liberally around everything that sticks thru the roof and look for nails that popped up. hammer them back in and tar over. I'm not getting up on the roof. ...
by athan
Fri Feb 16, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 15
Views: 1098

Re: Roof Leak...Need Advice

I had a roof leak. Builder replaced the shingles that had a rusted nail (or was it staples?) through them. Call my drywall guy who patched it up for a few hundred. Probably below my deductible. I am hoping that builder will fix roof and drywall/paint. I feel like they should since the house is less...
by athan
Fri Feb 16, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 15
Views: 1098

Roof Leak...Need Advice

We bought a house 6 months ago (house was built in 2014). Tonight I noticed a leak in the upstairs ceiling. I went in the attic, and sure enough the roof is leaking. I am going to call the builder tomorrow to see if the roof is under warranty. I am hoping the builder will fix the roof and drywall. I...
by athan
Wed Feb 14, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 1734

Re: The Best HSA

alter wrote:
Wed Feb 14, 2018 12:19 am
Sorry Athan, but $2.90 per month and no TD Ameritrade+covered call options isn't the best HSA.

2.9/mo = $34.80/year. With Elements I pay zero.

Just out of curiosity, what is the symbol of your Vanguard fund and it's expense ratio?
VITSX 0.04
VSMAX 0.06
by athan
Wed Feb 14, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 1734

Re: The Best HSA

Just throwing it out there...I use BenefitWallet. After a $1,000 minimum in banking account, you can invest in low cost Institutional Vanguard funds. The only fee I pay is $2.90 per month. I am a big fan since this account is what got me started as a Boglehead. Back in 2013 I set up this account thr...
by athan
Fri Jan 19, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2094

Re: Medical Appointment Cancellation Policies/Fees

I would explain the situation to the financial coordinator, and if the charge isn't forgiven I would ask to speak with the doctor. If they are not willing to forgive this fee, I would find another specialist. It is not worth getting worked up over until after you contact the office. Most doctors hav...
by athan
Fri Jan 19, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 42
Views: 2884

Re: Help Me Spend $900.00 Unused FSA Dollars

Not to get too personal but we bought condoms, first aid kits for home & both cars, sun block and bug repellant when we had leftover FSA dollars. We rarely have medical bills beyond a $319 for a replacement crown in 2017. Yes, I actually did get a few of those personal items. Well I just found out ...
by athan
Fri Jan 19, 2018 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Someone Needs To Pay For What They Did (Advice sought)
Replies: 44
Views: 7571

Re: Someone Needs To Pay For What They Did (Advice sought)

4th and Inches wrote:
Fri Jan 19, 2018 2:48 am
Just pay it and move on with your life.
+1
by athan
Wed Aug 30, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 11639

Re: Companies/Brands You Love?

Chewy.com When our family dog passed a few weeks ago, my mother called chewy.com to cancel an auto-shipment. Not only did the company cancel the shipment, but they also refunded our last recent purchase which was over a few hundred dollars. They told my mom to donate the food and other purchases to ...
by athan
Wed Aug 23, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Used True SUV recommendations
Replies: 18
Views: 1848

Re: Used True SUV recommendations

Thanks for the additional feedback. Think I'll wait for now but leaning towards an Explorer or 4Runner (if 5 passenger if fine). Definitely seems like not all AWD and 4WD are created equal so I would do more research if I decide to get another car. I don't know much about the Pathfinder. No one out...
by athan
Sun Aug 20, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1631

Re: Home Theater Help

So I posted on AVS forum this morning, and so far no replies back. I guess I am spoiled by bogleheads forum response time and quality.
by athan
Sat Aug 19, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1631

Re: Home Theater Help

OP here...does anyone have thoughts on all-in-one systems that would support Atmos?
by athan
Sat Aug 19, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1631

Re: Home Theater Help

Not clear from your description (left monitor and screen) is what type video you have. If you meant projector and screen, then you will need in addition a multichannel receiver; front, center, and rear speakers, and a subwoofer. Many receivers available now support Dolby Atmos speakers in the ceili...
by athan
Sat Aug 19, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1631

Re: Home Theater Help

mhalley wrote:
Sat Aug 19, 2017 7:26 pm
I recommend going to AVS Forum and reading there.

http://www.avsforum.com/
Thanks
by athan
Sat Aug 19, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1631

Home Theater Help

We just bought a house with a basement home theater room. The previous owner has left the speakers in the ceiling fixtures. He also left the monitor and screen. However, he took the rest of the speakers with him, along with the receiver and sub-woofer. I am looking for help with what I need to purch...
by athan
Tue Aug 08, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: First home purchase - required information - any suggestions
Replies: 10
Views: 1123

Re: First home purchase - required information - any suggestions

I'm trying to get ahead of the game as far as the information I will need for a first home purchase. I'm aware of needing bank statements and last years W2. How many years back does a lender need to see W2? Any suggestions on first time home buying is greatly appreciated. Lender asked us for last 2...
by athan
Tue Aug 08, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2578

Re: Advise on house selling

I've bought two houses without a realtor but have yet to sell one without using a realtor though not from lack of trying. It is a lot of work doing an adequate amount of advertising. The vast majority of the people don't understand buying a house privately and thought I was trying to scam them some...
by athan
Mon Aug 07, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 7062

Re: Time to leave our dentist??

When we needed to find a new dentist, we asked a periodontist for recommendations. He gave us 3 names. I selected one and Mrs. sport selected another. We have both been happy with our choices. Periodontists see the work of general dentists all the time. They can recognize good work when they see it...
by athan
Sun Aug 06, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Best mortgage shopping for refinance
Replies: 6
Views: 692

Re: Best mortgage shopping for refinance

Zillow or Bankrate are the places to check rates. Lowest rates are online companies who make up for their lower rates through bulk and streamlined computer software. You need to stay on top of things with these companies, but they should all be fine for a refinance.
by athan
Sat Aug 05, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Afford This House?
Replies: 11
Views: 1475

Re: Can We Afford This House?

Yes, you can afford the house. To me, the bigger question is whether to keep the townhouse or sell. If you are keeping solely as an investment, it could backfire for multiple reasons.
by athan
Fri Jul 28, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 56
Views: 8442

Re: Is this an unreasonable quote for interior home painting

Sherwin Williams is about the most expensive paint that you can buy. And they are in the same ballpark quality wise as the best paint at either lowes or home depot. So at least twice as much for the same result on the paint. Don't take my word for it - check out consumer reports. Dont know about sa...
by athan
Mon Jul 10, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: HELPPP! What woudl be the best place to combine debt and way to pay it off?
Replies: 11
Views: 1188

Re: HELPPP! What woudl be the best place to combine debt and way to pay it off?

Just don't put any of your money towards her debt until you are officially married. If you want to help, I would stash the money aside in your account and then you can pay towards it once married. I agree with this. Also, have a small wedding where you don't spend much money. Put all the money you ...
by athan
Mon Jul 10, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 13191

Re: What do you splurge on?

Comfortable furniture. We are moving and just picked out a leather sectional from Elran. Over $6,000, but worth it.
by athan
Fri Jun 30, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Ok...we agreed on a price with the seller. We settled at $370,000 plus $4,000 for theater room furniture and washer/dryer. We are also letting them stay until September 1st, so 1 month rent free. Not a big deal. I feel like we overpaid by about 5 grand, but I'm sure the seller feels the same way, if...
by athan
Thu Jun 29, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I have never considered the seller's feelings or their costs or anything else that happened in the past when making an offer on real estate. [...] The synthetic drama of this situation is comical to me though. This is so true, but it is fun to sort of negotiate vicariously through the social media ...
by athan
Thu Jun 29, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I'd offer $362K again. Just because they counteroffer lower does not mean that a negotiation splits the difference. I would be willing to do this, but my wife really wants the house at this point. I'm willing to go up to $375,000 to buy this house, so I think we are there. To me there is not much d...
by athan
Wed Jun 28, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I'd offer $362K again. Just because they counteroffer lower does not mean that a negotiation splits the difference. I would be willing to do this, but my wife really wants the house at this point. I'm willing to go up to $375,000 to buy this house, so I think we are there. To me there is not much d...
by athan
Wed Jun 28, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

An update for anyone interested... The sellers offered a counter price last night of $385,000. Our last offer was $362,000. They want to close by the first week of August so they can move to Florida. The ball is now in our court, and we are thinking of offering $370,000 final offer. Also, the agent ...
by athan
Wed Jun 21, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 1315

Re: Small Business Owner with Simple IRA. Debating Switch to 401k

Earl Lemongrab wrote:
athan wrote:Vanguard does not charge us anything to run this Simple IRA (other than Institutional shares instead of Admiral).
I think you mean Investor shares.
yes sir
by athan
Tue Jun 20, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 1315

Re: Small Business Owner with Simple IRA. Debating Switch to 401k

My wife and I would be able to put $18,500 each, instead of $12,500. The maximum employee deferral in a 401k is $18,000 for 2017 not $18,500. 1. Is it worth it to pay these 401k fees in order to save the tax advantaged space? Only you can judge that. 2. Employee Fiduciary allows rollovers from Simp...
by athan
Tue Jun 20, 2017 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 1315

Small Business Owner with Simple IRA. Debating Switch to 401k

I am a current partner 50/50 in a small medical practice. I started and run a Simple IRA through Vanguard for all employees (approximately 12-14 people). Between my wife and I, we can put away $12,500 each per year, and add a 3% match. All employees are currently offered a 3% match of salary. Vangua...
by athan
Mon Jun 19, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I think OP is playing this right. Houses that are overpriced to begin with take a long time to sell and often I think end up selling for a little less than if they had been priced in line with the market to begin with. People who live in a seller's market where houses often get multiple offers in a...
by athan
Sun Jun 18, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Also, a house of similar size on the same street just sold for $330,000. The lot is not flat and there is only a 2 car garage, but it would be considered a comp. This would suggest that the home for sale would not appraise high enough for a loan in the range the sellers are asking for. A buyer's ag...
by athan
Sun Jun 18, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Factoring in the agent's commission, the seller is probably just about getting what they paid for the house back in 2012 with a $393 sale price...not that that has anything to do with the current value of the house. Sometimes, it just takes time for sellers to accept that they are going to lose mon...
by athan
Sun Jun 18, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Out of curiosity - what is the zestimate for the house? $388,000 Also -what was the avg house price for that area when they bought the house - and what is that average now? $187,000 when bought $196,000 now What is the $/sqft of this property? What are the $/sqft of comparable properties and recent...
by athan
Sun Jun 18, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

No it isn't. The market price is the price that a seller and a buyer agree to a transaction - that they have no other buyers appearing for that price tells you it is not the market price (not any more than the buyers offer is anyway). I think you're searching too hard for semantics while missing th...
by athan
Sun Jun 18, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

rebellovw wrote:Out of curiosity - what is the zestimate for the house?

$388,000

Also -what was the avg house price for that area when they bought the house - and what is that average now?
$187,000 when bought
$196,000 now
by athan
Sun Jun 18, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Factoring in the agent's commission, the seller is probably just about getting what they paid for the house back in 2012 with a $393 sale price...not that that has anything to do with the current value of the house. Sometimes, it just takes time for sellers to accept that they are going to lose mon...
by athan
Sun Jun 18, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Write a letter to the owner (now) with your offer and NO commission effective subsequent to the expiration of the listing. Request them to notify you when the listing expires. Subsequent to the listing expiration, both of you go directly to a different escrow (if they have suggested one) and have t...
by athan
Sun Jun 18, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I too am unsure about exactly what part of the situation you are interested in opinions on. However, what stood out to me is that you are using the seller's agent to negotiate. It is never wise for the same realtor to represent buyer and seller, as that would obviously represent a conflict of inter...
by athan
Sun Jun 18, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Re: Negotiating a House Using Seller's Agent (opinions wanted)

"I know housing markets vary widely, but I don't believe there is a single market in the USA where housing has not appreciated in the last 5 years." Really? No housing markets in the U.S. where housing has not appreciated? I own a townhouse in the same market and know for a fact that I cannot get ou...
by athan
Sun Jun 18, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7006

Negotiating a House Using Seller's Agent (opinions wanted)

We are looking to buy a house in a smaller town where the housing market is cold. The reason is new houses are being built in the town every day, which drives down the resale value of older houses. We found a house we like in a community with tons of young families like ourselves. The houses range i...
by athan
Mon Jun 12, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 10546

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

I invested 5% of portfolio in Tesla around $200 a share. The reason I invested had nothing to do with liking the cars, or having a fondness for the environment. I invested because I believe in the founder. Elon Musk is on a different level from most people, with the exception of a few business leade...
by athan
Sun May 28, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use Sebonic Financial for mortgage?
Replies: 18
Views: 43319

Re: Anyone ever use Sebonic Financial for mortgage?

Ok great...sounds like good experiences overall. I will come back to this thread after my mortgage process is complete.
by athan
Sun May 28, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use Sebonic Financial for mortgage?
Replies: 18
Views: 43319

Re: Anyone ever use Sebonic Financial for mortgage?

I figured I'd resurrect this thread from six feet under since i am debating using Sebonic Financial for a new home purchase. I have talked with Sebonic and also Academy mortgage (have used in past refinance). The difference is approximately 0.25 on a 15 year fixed rate, which comes out to a little u...
by athan
Mon May 15, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Online Mortgage For Lower Rate?
Replies: 10
Views: 1725

Re: Online Mortgage For Lower Rate?

So someone from Sebonic (online company) called me and seemed on top of things. The only thing I didn't love was the fact I would have to find my own title company. Anyone have history with Sebonic, or with using their recommended title company?
by athan
Sun May 14, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Online Mortgage For Lower Rate?
Replies: 10
Views: 1725

Online Mortgage For Lower Rate?

I would love some opinions on my situation. My wife and I have found a house we want to put an offer on. It has been on the market since Friday, and we'd like to move fast. We live in a small town that has a cold real estate market, so we will not be offering full price. The full price is around $41...
by athan
Thu May 04, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article--Service Complaints Aside, Investors See Value at Vanguard
Replies: 10
Views: 1156

Re: Vanguard Servicing

I have to say, since transferring my money to Vanguard two years ago, I have never had a bad experience when calling Vanguard. My issues have been resolved quickly and professionally. If I did not read bogleheads comments, I would believe their customer service is exceptional.