Search found 16 matches

by luap
Wed Feb 19, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any Mortgage Brokers? Question on Commitment Letter
Replies: 2
Views: 280

Any Mortgage Brokers? Question on Commitment Letter

To preface: the crux of my question is whether the Seller/Seller's attorney will have access to my private financial data when they are provided with a mortgage commitment letter and addendum(s)/conditions from my lender. I am providing the rest of the details to give context. Background Wife and I ...
by luap
Wed Feb 12, 2020 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 8995-A delayed until March 2020
Replies: 21
Views: 2711

Re: H&R Block 8995-A delayed until March 2020

TurboTax is currently showing Feb 20 for the ability to e-FIle Form 8995-A; you can check this link...

https://care-cdn.prodsupportsite.a.intu ... idual.html
by luap
Mon Apr 01, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Do any of you have a fear of changing jobs?
Replies: 73
Views: 5149

Re: Do any of you have a fear of changing jobs?

One life. Live it. Action overcomes fear or fear overcomes action. You decide which. Thank you; that's more like it. Scrolling through this thread, I was seeing a lot of excuses and rationalizations for inaction. I recently changed jobs after 15 years at the same Megacorp, and was amazed to see how...
by luap
Tue Mar 26, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 5548

Re: High School Senior Pictures

Am wondering what you do in regards to senior pictures for your high school senior? Our other children who have graduated (boys) were more than happy with me taking their pictures. We have a nice camera and lots of different areas on our property to shoot pictures. We buy photo paper to print them ...
by luap
Tue Mar 26, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 5548

Re: High School Senior Pictures

I think this is totally normal in this day & age, and I would indulge her on this one if I were in your shoes. I wish I had more & better pictures of myself and my friends from my high school years. These are pictures she'll look back on for years to come, use in her wedding slide show (if that is s...
by luap
Fri Dec 28, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 46
Views: 6323

Re: Tips on preventative home maintenance?

Your roof is ~7-12 years from needing to be replaced, and in the interim, you'll want to consider inspecting/replacing the gaskets around your vent pipes. The rubber gaskets have a shorter lifespan than the roof itself, and usually break down and 'split' due to all of the UV exposure in direct sunli...
by luap
Tue Oct 16, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Attempted fraud against my frozen credit - Need I do more?
Replies: 9
Views: 1844

Re: Attempted fraud against my frozen credit - Need I do more?

Update: - I called Synchrony's Fraud Department, and explained the situation to a very friendly & helpful specialist. - Specialist stated he would be able to query for all recent Sam's Club credit applications attempted with my SSN, but also understood my hesitancy to provide him with my full SSN ov...
by luap
Mon Oct 15, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: Attempted fraud against my frozen credit - Need I do more?
Replies: 9
Views: 1844

Attempted fraud against my frozen credit - Need I do more?

Today, I received (via postal mail) correspondence from Synchrony Bank that stated: "Synchrony Bank has received your request for credit for a credit program with SAM'S CLUB. Unfortunately, we are unable to approve your request at this time..." <The boxes checked showed it was rejected due to my Cre...
by luap
Tue Sep 11, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Avoiding creeping complexity
Replies: 14
Views: 1623

Re: Avoiding creeping complexity

I'll admit, when Vanguard announced commission-free ETFs, I found myself evaluating several iShares offerings, sector ETFs, etc. Then I re-skimmed Chapter 4 of my copy of The Bogleheads' Guide to the Three-Fund Portfolio. :happy Initially, I found I was swept up in the excitement of what Vanguard wa...
by luap
Wed Jul 04, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: What to add to the baby registry?
Replies: 20
Views: 1631

Re: What to add to the baby registry?

You will need a temporal thermometer, something like: Link: http://a.co/7WbLRRb
by luap
Thu Jun 21, 2018 10:07 pm
Forum: Personal Investments
Topic: Help a 'Three Funder' Allocate Inherited IRA
Replies: 10
Views: 1373

Help a 'Three Funder' Allocate Inherited IRA

I am the beneficiary of a non-spousal Inherited IRA (approx. 500K), with a first year RMD of ~12,000 (we are choosing the Life-expectancy method of RMDs). My wife and I (age 40) are 'Three Funders', as follows, and are interested in how to best allocate the Inherited IRA proceeds once the transfer t...
by luap
Thu May 24, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 6751

Re: Alexa Echo sent family's audio file to a contact

I know they are wildly popular, but I for one will never purchase one of these devices. I just don't find myself having the problems these things are promoted to solve. As far as the privacy breach, a smartphone has the same vulnerability to erroneous or malicious compromise. Your point is very wel...
by luap
Thu May 24, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 6751

Re: Alexa Echo sent family's audio file to a contact

I know they are wildly popular, but I for one will never purchase one of these devices. I just don't find myself having the problems these things are promoted to solve.
by luap
Wed May 23, 2018 11:22 am
Forum: Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 5467

Re: Best buy and hold vanguard fund forever...

Jon H wrote:
Wed May 23, 2018 9:00 am
You can still do a backdoor Roth IRA
+1

https://www.bogleheads.org/wiki/Backdoor_Roth_IRA
by luap
Wed May 23, 2018 11:07 am
Forum: Personal Investments
Topic: Parents with pre-K kids and 529 target
Replies: 50
Views: 3943

Re: Parents with pre-K kids and 529 target

For establishing a 529 target, I use Vanguard's " How much do I need to save? " (https://vanguard.wealthmsi.com/csp.php) tool as my benchmark with a 7% rate of return and 4% rate of expected college cost increase. Absent of knowing if or where our kids will attend college - or how the landscape of h...
by luap
Tue Apr 10, 2018 9:13 pm
Forum: Personal Investments
Topic: 401ks maxed, Roths fully funded. Whats next?
Replies: 11
Views: 1028

Re: 401ks maxed, Roths fully funded. Whats next?

Congrats! When we reached this milestone, aside from opening a taxable account (combination of Vanguard Total Stock and Vanguard Total International Stock) we did the following: 1) Ensured the Emergency Fund had 6 months' expenses (liquid savings account) 2) Increased contributions to a dedicated 'G...