Search found 279 matches

by Broadway2018
Wed Sep 04, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Bamboo Flooring
Replies: 20
Views: 2408

Re: Bamboo Flooring

We have that (in the 2.5" variant). If I could Thanos snap it away, I would do so in a heartbeat. It scratches, pits, compresses, and scrapes by staring at it. For a comparison, neither of us weighs more than 125lbs and we haven't moved anything unfairly heavy across it (no shoes, either). Be aware...
by Broadway2018
Tue Sep 03, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Bamboo Flooring
Replies: 20
Views: 2408

Bamboo Flooring

I am looking to replace the carpet (about 900 sq ft) with bamboo flooring. Originally, I was looking at hardwood, but love the color of this. http://www.usfloorsllc.com/flooring-products/graphite/ Does anyone have any experience with the above product? Also, I am in a HCOL area and received a quote ...
by Broadway2018
Sun Jul 28, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 114
Views: 14372

Re: Job Offer Evaluation - FANG

Update: I am a month into the job and am loving it. This was the best decision of my life! Seattle is great and the job is better than expected.
by Broadway2018
Sun Jul 28, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Re: Selling Home - When to Reduce Price?

Update: The only couple who looked at our home put an offer in and we accepted. Ended up getting full asking but they get 3% back for closing. Not to bad. For people who come across this post, remember, it really only takes one buyer.
by Broadway2018
Wed Jul 17, 2019 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, Father dying & losing homes
Replies: 22
Views: 3161

Re: Please help, Father dying & losing homes

Maybe I am missing something but the hospital costs will be figured out much much later and I don't think this needs to be of paramount concern to the point where you are meeting with lawyers all day while your dad is alone in an icu. Is he expected to survive? If he doesn’t have power of attorney ...
by Broadway2018
Wed Jul 17, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, Father dying & losing homes
Replies: 22
Views: 3161

Re: Please help, Father dying & losing homes

You need to hire a lawyer as soon as possible. My dad had a stroke and my mom had nothing setup. A lawyer will help you get the right paperwork through faster. It will take weeks to get this done and I cannot stress enough that you need to start now. Also, you need a power of attorney which the lawy...
by Broadway2018
Sun Jul 14, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Relocated, No Bank Branch, and Need Earnest Money Check
Replies: 13
Views: 724

Re: Relocated, No Bank Branch, and Need Earnest Money Check

FWIW, answering this question is part of why the escrow company gets paid. I'm sure they'll be happy to accept personal check or wire. I do not have any checks. That is the issue. Also, it seems to send a wire I would need to go to a bank branch. Is there someone in your old city that could overnig...
by Broadway2018
Sun Jul 14, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Relocated, No Bank Branch, and Need Earnest Money Check
Replies: 13
Views: 724

Re: Relocated, No Bank Branch, and Need Earnest Money Check

drk wrote:
Sun Jul 14, 2019 8:45 pm
Broadway2018 wrote:
Sun Jul 14, 2019 8:42 pm
Also, it seems to send a wire I would need to go to a bank branch.
Why can't you call your bank for the wire?
I could try in the morning. This seems to be my only option.
by Broadway2018
Sun Jul 14, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Relocated, No Bank Branch, and Need Earnest Money Check
Replies: 13
Views: 724

Re: Relocated, No Bank Branch, and Need Earnest Money Check

drk wrote:
Sun Jul 14, 2019 8:36 pm
FWIW, answering this question is part of why the escrow company gets paid. I'm sure they'll be happy to accept personal check or wire.
I do not have any checks. That is the issue. Also, it seems to send a wire I would need to go to a bank branch.
by Broadway2018
Sun Jul 14, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Relocated, No Bank Branch, and Need Earnest Money Check
Replies: 13
Views: 724

Relocated, No Bank Branch, and Need Earnest Money Check

Does anyone know how to transfer money to an escrow account when your bank does not have a branch in the area? I recently moved and put an offer on a house. It was accepted and now I need to give the earnest money to the escrow company. I thought I would just go to the bank and get a check, but surp...
by Broadway2018
Sun Jul 14, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgages and RSUs
Replies: 15
Views: 1434

Re: Mortgages and RSUs

I just got approved for a mortgage where 40% of my income comes from RSUs. Many of these megacorps have preferred lenders who know how to include RSUs and understand the compensation. My company had a list of programs and mortgage companies they partner with. Also a bonus was a discounted rate and n...
by Broadway2018
Thu Jul 11, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: [House] Buying Options
Replies: 6
Views: 672

Re: [House] Buying Options

Update: Accepted the condo for $675,000 with 2% closing costs paid by seller. Got approved to put as little as 5% down but think we will do 10%. Also, debating between 30 or 15 year mortgage. I feel like we could swing the 15 year but I think I would rather get my savings up instead.
by Broadway2018
Mon Jul 01, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: [House] Buying Options
Replies: 6
Views: 672

Re: Buying Options

This would be for a small condo. It is 1/2 the size of our house on the east coast. So from a space perspective we are buying a much smaller place. Also, our worry is in 1-2 years the same condo will continue to rise in value so we are going to be chasing the downpayment number. We would be spendin...
by Broadway2018
Mon Jul 01, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: [House] Buying Options
Replies: 6
Views: 672

Re: Buying Options

I would rent for a year. I know moving again isn't fun, but buying too much house with not enough down payment in a HCOL area is really no fun. All housing related costs and taxes, insurance will be much higher with the more expensive house. Do you have an Emergency fund on top of the $30k savings?...
by Broadway2018
Mon Jul 01, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: [House] Buying Options
Replies: 6
Views: 672

[House] Buying Options

Situation Relocated to HCOL and want to buy Target Price - $600-$700k Downpayment - We have $30k savings and another $30k from a home sale Income - $200k, this is a recent bump from $120k 401k - $140k Age - 34 yr old I am trying to figure out options to get the 20% downpayment. I could borrow money...
by Broadway2018
Sun Jun 30, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 132
Views: 7412

Re: Relocate to Seattle or NYC

OP, Have you and your wife visited both locations? Do you have time to visit before making a decision? Do you know anyone in either location or anyone doing your job in either location? WA has no state income tax and you'll be earning more in WA. Where are your respective families located? Is that ...
by Broadway2018
Sun Jun 30, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 132
Views: 7412

Re: Relocate to Seattle or NYC

OP, Have you and your wife visited both locations? Do you have time to visit before making a decision? Do you know anyone in either location or anyone doing your job in either location? WA has no state income tax and you'll be earning more in WA. Where are your respective families located? Is that ...
by Broadway2018
Sun Jun 30, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking Through Buying a Property
Replies: 10
Views: 1089

Re: Thinking Through Buying a Property

I recently moved and am not sure what price point to buy at. My income recently doubled however I don't have much for a downpayment (HCOL). Not sure if I should buy something towards upper range of budget and put down less money or try to buy cheaper and put down 20%. I could also borrow $50k from ...
by Broadway2018
Sun Jun 30, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking Through Buying a Property
Replies: 10
Views: 1089

Re: Thinking Through Buying a Property

Thomas Stanley, the author of The Millionaire Next Door , created a metric for such situations that I believe to be very good: if you could not make your mortgage payment if your income were cut in half, then you cannot easily afford your home . I guess we would be safe then. I am bringing in $12k ...
by Broadway2018
Sun Jun 30, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking Through Buying a Property
Replies: 10
Views: 1089

Re: Thinking Through Buying a Property

I like option 3 with a commute of 20 minutes or less for 2-3 years. Save some $$ for now. Then buy if job works out good. By then you will know new city and good locations and good commute paths. Do not buy right now. You have too many unknowns in this new city. Good luck. My main issue is the qual...
by Broadway2018
Sun Jun 30, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 132
Views: 7412

Re: Relocate to Seattle or NYC

I did not read all the comments. I relocated 3 weeks ago to Seattle and love it! I live right in downtown and do not find traffic to be that bad. I take the bus 10 minutes to work, the scenery is amazing, and overall really happy with my move. Many people say housing is expensive however there are m...
by Broadway2018
Sun Jun 30, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Thinking Through Buying a Property
Replies: 10
Views: 1089

Thinking Through Buying a Property

I recently moved and am not sure what price point to buy at. My income recently doubled however I don't have much for a downpayment (HCOL). Not sure if I should buy something towards upper range of budget and put down less money or try to buy cheaper and put down 20%. I could also borrow $50k from 4...
by Broadway2018
Mon Jun 17, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Re: Selling Home - When to Reduce Price?

When we bought the house, it had been on the market 4-5 months Are you saying that he was the listing agent on the house last time it sold (i.e., when you bought it)? And it took him 4 - 5 months to sell it to you? And that this is the agent you chose to sell it again? Why? It doesn't sound like yo...
by Broadway2018
Mon Jun 17, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Re: Selling Home - When to Reduce Price?

mortfree wrote:
Mon Jun 17, 2019 9:51 am
409,000

Eventually 399,900

Or 999 instead of 000

I am not a realtor.
Just reduced to $399k...hoping that will get more showings.
by Broadway2018
Mon Jun 17, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Re: Selling Home - When to Reduce Price?

When we bought the house, it had been on the market 4-5 months Are you saying that he was the listing agent on the house last time it sold (i.e., when you bought it)? And it took him 4 - 5 months to sell it to you? And that this is the agent you chose to sell it again? Why? It doesn't sound like yo...
by Broadway2018
Mon Jun 17, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Re: Selling Home - When to Reduce Price?

If they are newer houses than yours then they are not really comparable especially if they have better schools. Someone could get one of those houses for $25K more than yours so may not be discounted enough to make it look attractive compared to those houses. Our house is 2 years old and the ones i...
by Broadway2018
Mon Jun 17, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Re: Selling Home - When to Reduce Price?

My house has been on the market for 23 days with no showings. Is your house posted using professional pictures? Was it staged? How do the words, pictures, and most importantly price, compare to similar houses in your area which have recently sold? Do you want to post a link to your listing here? Ye...
by Broadway2018
Mon Jun 17, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Re: Selling Home - When to Reduce Price?

What does your agent say? When you had the (at least) 3 brokers in to give you their pitch on how to price and how they would market the home, what did they say about the local market and and what pace you should expect showings, how active is the market, etc? So if this is normal for your area in ...
by Broadway2018
Mon Jun 17, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Re: Selling Home - When to Reduce Price?

My house has been on the market for 23 days with no showings. This seems somewhat normal for my area, though. How much should I reduce the price by? How badly/quickly do you want to move? What does your agent say? We would like to be closed on the house by November so I guess we have some time. Our...
by Broadway2018
Mon Jun 17, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 3051

Selling Home - When to Reduce Price?

My house has been on the market for 23 days with no showings. This seems somewhat normal for my area, though. How much should I reduce the price by? Update: Lowered price to $399,000 Home Situation Priced at $425k Not in prime area or school district Homes nearby range from $350k-$500k New construct...
by Broadway2018
Sun Jun 16, 2019 8:10 pm
Forum: Personal Investments
Topic: Rollover 401k Options
Replies: 6
Views: 483

Re: Rollover 401k Options

Thank you both! Separate question: If in my 401k plan $20k is Roth, does that matter for the backdoor ira?
by Broadway2018
Sun Jun 16, 2019 6:40 pm
Forum: Personal Investments
Topic: Rollover 401k Options
Replies: 6
Views: 483

Rollover 401k Options

I am leaving my current employer and wondering what the best option for my 401k would be? A lot of people talk about rolling over to an IRA. Would that be suitable and if so, what are the steps? Situation Traditional 401k with Vanguard - low fees ~$100k balance - Income going up to $220k Never inves...
by Broadway2018
Tue Jun 11, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 28519

Re: Can I afford this 2.3 million dollar home?

Do you by any chance work in tech and are in Seattle? I think I saw this post on another board...
by Broadway2018
Fri May 24, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 896

Re: Should I buy my leased Subaru Outback?

You can trade in a lease to a dealer anytime. There is no penalty. It's the same as when you finance. My buyout is $26,500. If a dealer offers $25k, I would pay the difference. Same as trading in a car you finance. Maybe I don't understand leasing as well as I thought... - The lease you signed said...
by Broadway2018
Fri May 24, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 896

Re: Should I buy my leased Subaru Outback?

Why not lease a new one and put off a decision for a few years. Because I am tired of wasting money. Originally I was looking to spend $20k, but that does not really seem doable. Everything I look at it cost more for AWD, low miles, leather, etc.. we bought a Mazda CX-9 a year ago with 32K miles on...
by Broadway2018
Fri May 24, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 896

Re: Should I buy my leased Subaru Outback?

I have a year left on lease. The reason I want to get rid of it is we are moving cross country and will go over the miles (Drive from MD to Washington state is 2-3k miles buy itself. Also, we were going to buy a car anyway either when the lease is over or now. I'm confused. If you have a year left ...
by Broadway2018
Fri May 24, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 896

Re: Should I buy my leased Subaru Outback?

2019 is $32,000. My subaru outback is a limited. Edit: I see what you are saying....maybe I will shop around. $26,500 is the buyout today. I have a year left on lease. The reason I want to get rid of it is we are moving cross country and will go over the miles (Drive from MD to Washington state is ...
by Broadway2018
Fri May 24, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 896

Re: Should I buy my leased Subaru Outback?

tennisplyr wrote:
Fri May 24, 2019 8:43 am
Why not lease a new one and put off a decision for a few years.
Because I am tired of wasting money. Originally I was looking to spend $20k, but that does not really seem doable. Everything I look at it cost more for AWD, low miles, leather, etc..
by Broadway2018
Fri May 24, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 896

Re: Should I buy my leased Subaru Outback?

Could you just upgrade to a 2019 (with 0% financing) with the same options on a new Outback? That price seems above full dealer retail. Is that the lease residual or the buyout today (lease not done yet)? If you can get into a 2019 for $32k, then that is $6k + taxes and fees for 3 years of driving ...
by Broadway2018
Fri May 24, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 114
Views: 14372

Re: Job Offer Evaluation - FANG

Updating the post: I took the job and move at the end of June. House is going on the market this weekend. Feeling very anxious and nervous, but also excited at the opportunity. Also, my spouse is moving when the house sells and as far as her job she will figure it out as this process continues. I co...
by Broadway2018
Fri May 24, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 896

Should I buy my leased Subaru Outback?

I have a 2017 Subaru Outback w/ 30k miles. The buyout price is $26,500. I really like the car, however, feel it may be overpriced. I am open to other vehicles but it is hard to find AWD, leather, pre-collision safety features for cheaper. Everything else I look at is $30k plus even used there is not...
by Broadway2018
Tue Apr 30, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1317

Re: Relocating Across Country - Vehicle Situation

Thank you, everyone, for the advice! Some of you were right that I just wanted a new vehicle. After thinking about it further, we decided to keep the Outback and sell the Mazda.
by Broadway2018
Mon Apr 29, 2019 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Daughter's First Job
Replies: 45
Views: 3942

Re: Daughter's First Job

Thank you all for the very helpful comments. I have tried to share some more info below: Pay is 10% more in the HCOL full-time job compared to the contracting job which is 30 minutes from home. The 30 minute commute could double a few days a week depending on traffic/accidents etc. Our daughter pla...
by Broadway2018
Sun Apr 28, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1317

Re: Relocating Across Country - Vehicle Situation

I dont understand why not sell the Mazda and wait another 14 months to sell the Subaru? Sounds like you really want to buy a new Volvo with all of the "tax credit" talk. Why not just go down to one car right now (and have that car be a Subaru)? My partner drive 75 miles a day to work and back. She ...
by Broadway2018
Sun Apr 28, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1317

Re: Relocating Across Country - Vehicle Situation

Also, I didn’t want to worry about parking in Seattle and moving the car around initially. I heard it’s expensice for parking. I will be in corporate housing for 2 months, then somewhere temporary for 6 months, then will get a place with my partner.
by Broadway2018
Sun Apr 28, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1317

Re: Relocating Across Country - Vehicle Situation

I dont understand why not sell the Mazda and wait another 14 months to sell the Subaru? Sounds like you really want to buy a new Volvo with all of the "tax credit" talk. Why not just go down to one car right now (and have that car be a Subaru)? My partner drive 75 miles a day to work and back. She ...
by Broadway2018
Sun Apr 28, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1317

Re: Relocating Across Country - Vehicle Situation

Sandtrap wrote:
Sun Apr 28, 2019 8:30 am
Sell Subaru (or both)
Purchase a Toyota or Honda. :D :D :D
Toyota and Honda’s with lane departure, blind spot, and leather are more then the Volvo
by Broadway2018
Sun Apr 28, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1317

Re: Relocating Across Country - Vehicle Situation

I'm confused. Outback is leased, you have 14 months left. You leased it from Chase? What's it KBB / Edmunds private sale value? Buy for $26,000, sell privately? Dealer's never give good prices. Definitely don't want to pay insurance on car that is not driven for 10 months. Will employer shift car t...
by Broadway2018
Sun Apr 28, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1317

Relocating Across Country - Vehicle Situation

I am moving to Seattle from the Baltimore area. My partner and I each have a car and my new employer will pay to relocate them if we want. I am moving in June and my partner is moving in March 2020. I would not need a car initially so wasn’t going to bring the Subaru. When she comes we would go down...
by Broadway2018
Tue Apr 23, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and Marriage
Replies: 5
Views: 537

Re: Taxes and Marriage

This ^^^ You are the only one that can figure out the actual difference between filing jointly and separately. I'd suggest that if you paid someone to do your taxes, you buy TurboTax Deluxe CD/Download for 2018, enter in your tax info and duplicate the return. Then, simply change filing status to j...