Search found 50 matches

by babyvinny
Wed Feb 24, 2021 1:31 am
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Re: Water leakage - fix it or not?

if you have multiple sprinkler lines, attack one at a time. For example, Zone 1, turn off all of the Z1 nozzles and any bubblers with a small screwdriver, so when the water is on, they will not spray. Then turn on Zone 1 full blast and go looking for water bubbling up/oozing from the ground. Poke o...
by babyvinny
Wed Feb 24, 2021 1:16 am
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Re: Water leakage - fix it or not?

Not sure if there is an actual leakage. Water bills doubled does not mean water leakage. Just because the city told you that there was a possible leakage does not mean you should take their words. If you water your lawn everyday, expect your water bills to double or even triple. During winter month...
by babyvinny
Wed Feb 24, 2021 1:10 am
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Re: Water leakage - fix it or not?

Consider changing your landscape so that you do not need a sprinkler system... There is not need to change the landscape. Just shut off the sprinkler system. Use a garden hose and water manually...Some of my neighbors are doing this in my part of the country. -Metsfan91 This is an option I am consi...
by babyvinny
Tue Feb 23, 2021 8:55 pm
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Re: Water leakage - fix it or not?

Oh man, you’re golden then if you know the leak is in the irrigation system. Irrigation piping is usually really shallow. If it snows where you are, just let her rip with the sprinklers off and see where the snow melts. If not, Just dig up the junctions and pull apart the pipe and cap one end at a ...
by babyvinny
Tue Feb 23, 2021 8:37 pm
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Re: Water leakage - fix it or not?

After contacting the city, I checked the toilets, and found one with a small leak. I got a plumber to fix that toilet, then he said the leak is from the sprinkler, so I got the sprinkler guy to look at it. The sprinkler guy said to have a leak detection company to find the leak, he tested the sprink...
by babyvinny
Tue Feb 23, 2021 7:05 pm
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Re: Water leakage - fix it or not?

Oh man, you’re golden then if you know the leak is in the irrigation system. Irrigation piping is usually really shallow. If it snows where you are, just let her rip with the sprinklers off and see where the snow melts. If not, Just dig up the junctions and pull apart the pipe and cap one end at a ...
by babyvinny
Tue Feb 23, 2021 6:41 pm
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Re: Water leakage - fix it or not?

You might learn something by reading your water meter daily for a while, keep a written record of the numbers. Do this for a week with outdoor water shut off then with it on. Chart the actual water used over the past few years of bills, the cubic feet not the dollars. Maybe with no water flowing at...
by babyvinny
Tue Feb 23, 2021 6:29 pm
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Re: Water leakage - fix it or not?

We had a sprinkler guy took a look. He checked the sprinklers and no leak. We shut off the main valve for the sprinkler system, and water meter stopped turning. With that on, the water meter would turn really fast. I’ll read your comments more carefully at a later, but thank you for your input so far.
by babyvinny
Tue Feb 23, 2021 4:52 pm
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3319

Water leakage - fix it or not?

First time homeowner here, I have no experience on house maintenance and looking for some advice.We bought the house 2 years ago, 60+ years old house, luckily didn’t have big problems up to now. The water bill was double the last 2 months, Dec 2020 & Jan 2021. I looked back at previous bills, sa...
by babyvinny
Thu Jan 07, 2021 12:10 am
Forum: Personal Investments
Topic: Front loading retirement accounts
Replies: 19
Views: 1980

Re: Front loading retirement accounts

solar99999 wrote: Wed Jan 06, 2021 11:04 pm Someone once posted a catchy phrase in one of the forums here that may be relevant. It went something like this:

I prefer "Time In The Market" not "Timing The Market."
I know, my gut says just do it; but you all are very helpful so I’d like to ask first.
by babyvinny
Thu Jan 07, 2021 12:09 am
Forum: Personal Investments
Topic: Front loading retirement accounts
Replies: 19
Views: 1980

Re: Front loading retirement accounts

No matching. I just want to be done with it, then start saving again. I front loaded last year, only ~$20k, saw the drop in March, but kept contributing to max out the accounts, and luckily the market bounced back. So your income this year is 3x last year? No income change, but just having extra ca...
by babyvinny
Wed Jan 06, 2021 8:41 pm
Forum: Personal Investments
Topic: Front loading retirement accounts
Replies: 19
Views: 1980

Re: Front loading retirement accounts

What is DCA? Manually allocate? What if I forget to do it? And the cash is just sitting?
by babyvinny
Wed Jan 06, 2021 7:06 pm
Forum: Personal Investments
Topic: Front loading retirement accounts
Replies: 19
Views: 1980

Re: Front loading retirement accounts

No matching.
I just want to be done with it, then start saving again.
I front loaded last year, only ~$20k, saw the drop in March, but kept contributing to max out the accounts, and luckily the market bounced back.
by babyvinny
Wed Jan 06, 2021 5:44 pm
Forum: Personal Investments
Topic: Front loading retirement accounts
Replies: 19
Views: 1980

Front loading retirement accounts

Hi all, would you front load retirement accounts in this all time high market? Lump sum amount of $60k? Have a few days to decide. I’m saving cash for a car, but there is no rush, can wait till mid year, which should have more cash by then. I’m just afraid of market crash. Thank you.
by babyvinny
Wed Aug 05, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance with K1 income
Replies: 3
Views: 404

Re: Mortgage refinance with K1 income

Bogle_Bro wrote: Wed Aug 05, 2020 12:50 am Generally need 2yr history of k1 income to use it to qualify
I was hoping there is exception?
by babyvinny
Wed Aug 05, 2020 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance with K1 income
Replies: 3
Views: 404

Mortgage refinance with K1 income

Hi all, I’m hoping if anyone has experienced this. My spouse became partner a few months ago with the same company. We are hoping to refinance again in a month or two. We refinanced with Lenderfi in March, W2 income at that time, but not sure if we qualify now. Only spouse will be in the loan. Thank...
by babyvinny
Tue Jun 16, 2020 1:27 am
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 3200

Re: Need N95 Mask in a Small Size

My daughter is a dentist and she needs N95 mask in a small size. She has ordered many on-line, but none has arrived so far. Does any one know where to get one? She practices in MA. Her employer has not provided adequate safety equipment and has opened a practice. She is planning to send an e-mail i...
by babyvinny
Thu Apr 02, 2020 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for unemployment?
Replies: 14
Views: 1480

Re: Should I apply for unemployment?

Use your PTO first. You can apply for and receive unemployment benefits while furloughed. The whole point is to allow people to keep an income coming in while they still technically have their job and retain health insurance through their employer. Your employer is not expecting you to be able to b...
by babyvinny
Thu Apr 02, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for unemployment?
Replies: 14
Views: 1480

Re: Should I apply for unemployment?

Between PTO and unemployment benefit, payment is very similar. I understand the company may go under in a few months. My PTO would only last a month, if we haven’t gotten back to work in a month, I will need to apply unemployment then. My state (CA) allows temporarily unemployed person to apply, whi...
by babyvinny
Thu Apr 02, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for unemployment?
Replies: 14
Views: 1480

Should I apply for unemployment?

My company finally decided to stop operation in my department for at least a month, possibly longer. I only work part time there, but that’s my only job. Here are my options: 1. Use PTO. I prefer not to at this moment, will need it later when new baby comes. 2. Apply for unemployment. I’m sure I’m e...
by babyvinny
Tue Mar 03, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Update bank draft information for disability insurance premium
Replies: 2
Views: 157

Re: Update bank draft information for disability insurance premium

I would either get on the web or call customer service. Website is guardianlife.com. I don’t know if you can make your change there. It may be more efficient to just call them up. Per the website, customer service is - 1-888-Guardian (1-888-482-7342) Thanks, I called again and got it changed.
by babyvinny
Tue Mar 03, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Update bank draft information for disability insurance premium
Replies: 2
Views: 157

Update bank draft information for disability insurance premium

Hi, This is not a typical question but I am hoping someone on here can help me out. I have a disability policy with Guardian, and have monthly automatic bank draft. I just closed my bank account and would like to update the information. I don’t have a contact with my agent, I receive a letter annual...
by babyvinny
Mon Feb 17, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Relative laid off - need advice
Replies: 29
Views: 5170

Re: Forced early retirement with minimal asset - please help with planning

One thing to look into is that if you are supporting him and meet a list of criteria you may be able to deduct him as a dependent on your tax return. You may also want to consider if you should get additional life insurance to provide for him in case something happens to you. I really hope he’ll fi...
by babyvinny
Mon Feb 17, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Relative laid off - need advice
Replies: 29
Views: 5170

Re: Forced early retirement with minimal asset - please help with planning

Don't ignore temp agency's. Should be easy employment until he finds better. Sometimes these temp agency's can be stepping stones to finding factory jobs with good pay and benefits. I know people who have done this, and now have unskilled jobs that pay 50k + in a low cost of living area. Thanks, I ...
by babyvinny
Mon Feb 17, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Relative laid off - need advice
Replies: 29
Views: 5170

Re: Forced early retirement with minimal asset - please help with planning

. . . He did say he wants to retire at 62 though, because he feels burnt out. I’m not saying it’s justified, but I think he has some depression (his job has been unstable for the last 2-3 years). Unless he finds joy in a new job, he will retire as soon as he can live on his IRA and SS. As one who h...
by babyvinny
Mon Feb 17, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1748
Views: 162306

Re: My LenderFi refinance is going well

Close in 15 days
by babyvinny
Sun Feb 16, 2020 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Relative laid off - need advice
Replies: 29
Views: 5170

Re: Forced early retirement with minimal asset - please help with planning

. Before 62, withdraw $500/mo from cash saving. If he can’t find a job, I may be able to pay him up to $1000/month to help out with the house, but it’s not a guarantee. He may refuse to accept the offer. Best thing I’d not to touch IRA. . After 62, get SS, and start withdraw from IRA as needed. I n...
by babyvinny
Sat Feb 15, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: How are you spending Valentine's day?
Replies: 64
Views: 4068

Re: How are you spending Valentine's day?

Got a Valentine’s Day Card at a dollar store
Made a quick home cooked meal.
Just feeling blessed for what we have!
by babyvinny
Sat Feb 15, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Relative laid off - need advice
Replies: 29
Views: 5170

Re: Forced early retirement with minimal asset - please help with planning

If not, will have to take 401K early distribution at 59 and half. 401k (IRA) withdraw at age 59.5 is not an early distribution, although it is the minimum age to avoid penalties (with exceptions). So you are saying: Monthly spend = $1700/mo Before 62, withdraw $1700/mo from $110k IRA After 62, with...
by babyvinny
Sat Feb 15, 2020 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Relative laid off - need advice
Replies: 29
Views: 5170

Relative laid off - need advice

Hi, asking for a relative! 59 year old, worked for 19 years as technician with same company, have limited skill set and limited English proficiency. The company is closing and laying off everyone. He will try to look for job, but future is unknown. Assets . Current 401K: $110k . Cash: $35k Current: ...
by babyvinny
Sat Feb 08, 2020 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1748
Views: 162306

Re: My LenderFi refinance is going well

Applied online on Monday AM, had questions on the process and tried to call their number multiple times with no success. Finally spoke to LO in the evening, signed paperwork and was told closing time is about 2.5 weeks. Pretty happy so far, 3.375%, 30 years, no closing cost per LO, and waived apprai...
by babyvinny
Fri Jan 31, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance to 15 years?
Replies: 19
Views: 1610

Re: Should I refinance to 15 years?

Thanks for your responses, I’m glad I asked the question here, rather than contemplating about it forever. Now I’m sure I’m not ready, and may look into refinance at 30 or 20 years if the saving is worthwhile.
by babyvinny
Fri Jan 31, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance to 15 years?
Replies: 19
Views: 1610

Re: Should I refinance to 15 years?

Is it wise to stop contributing 529 and put it toward saving or mortgage? I put away $1k a month right now, and there is no tax benefit in CA.
by babyvinny
Fri Jan 31, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance to 15 years?
Replies: 19
Views: 1610

Re: Should I refinance to 15 years?

We are in the process of refinancing to a 15 year from a 30 year that we just took out 8 months ago. There's a little sunk cost fallacy for us because we paid $4k for points and now that money goes down the toilet. But we are going from 4.25% (30 yr) to 3.25 (15 yr) with no closing costs or fees. T...
by babyvinny
Fri Jan 31, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance to 15 years?
Replies: 19
Views: 1610

Re: Should I refinance to 15 years?

You might also check the rates on a 20-year. That might still give you enough interest reduction to make significant savings, without pushing the monthly payment up quite so high. Yes I was looking at it, may consider since there is a credit for finance, but if I can afford to do 15 years, it may b...
by babyvinny
Thu Jan 30, 2020 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance to 15 years?
Replies: 19
Views: 1610

Re: Should I refinance to 15 years?

Our current payment is about 15% gross income.
Will max out 401K x2 , Backdoor Roth x 2, FSA, and profit sharing this year.
Only max out 401k, FSA and Backdoor Roth x 2 last year since that were all available.
by babyvinny
Thu Jan 30, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance to 15 years?
Replies: 19
Views: 1610

Should I refinance to 15 years?

Hi all, I have found your knowledge and wisdom are very helpful, and would like your advice on this. I have a 30 years mortgage at 4%, started 1/2019, monthly payment is $3300 which I have been paying $1k extra since. Interest rate has decreased since, but I am very nervous in doing refinance. If I ...
by babyvinny
Thu Jan 16, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance
Replies: 18
Views: 1854

Re: Term life insurance

Hi again, I have an update, not a good one though. I submitted my application and they found a medical history in my record. It is for " personality disorder" which I have no idea when that came from. It must have been many years back and very minor, so I can't recall the event to provide...
by babyvinny
Tue Jan 14, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance
Replies: 18
Views: 1854

Re: Term life insurance

Hi again, I have an update, not a good one though. I submitted my application and they found a medical history in my record. It is for " personality disorder" which I have no idea when that came from. It must have been many years back and very minor, so I can't recall the event to provide ...
by babyvinny
Thu Dec 05, 2019 5:48 pm
Forum: Personal Investments
Topic: HSA investing in CA
Replies: 6
Views: 504

Re: HSA investing in CA

If you are with Fidelity, this is what I am using for my HSA: FUAMX (Fidelity Interm Treasury Bd Index) Treasuries are exempt from state taxes, so you do not need to do any bookkeeping. Treasury funds at FIDO have capital gains, which you need to report in CA every year, FIDO won't report this for ...
by babyvinny
Thu Dec 05, 2019 2:14 pm
Forum: Personal Investments
Topic: HSA investing in CA
Replies: 6
Views: 504

HSA investing in CA

Hi all, I don't know what to do with my HSA accounts. I read some posts here, but I'm very still confused. Please correct me if I misunderstood some of the information, and really appreciate any suggestions you all have. I have 2 HSA accounts: 1. opened in 2013, stopped contributing in 2014. About $...
by babyvinny
Wed Nov 20, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Payment question
Replies: 11
Views: 892

Re: Payment question

SmallCityDave wrote: Wed Nov 20, 2019 7:31 pm Whats the fair market "all in" price for the procedure (including lab fees)?
$4K, I’m guessing.
by babyvinny
Wed Nov 20, 2019 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Payment question
Replies: 11
Views: 892

Re: Payment question

The one reason people avoid invoices and prefer to deal in cash is to evade taxes in my experience. It's possible that the $2k he makes off you in cash can remain off the books without an invoice and would never be shown on a tax return or incur sales tax, saving both parties money. Possible that h...
by babyvinny
Wed Nov 20, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Payment question
Replies: 11
Views: 892

Re: Payment question

Maybe he told you it was a major brand procedure/process but he used a knock-off supplier. Possibly something shady about it. What it was may produce satisfactory results with a professional using it, it just may not really have the full licensing authority (maybe a royalty) behind it. Or it may ha...
by babyvinny
Wed Nov 20, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Payment question
Replies: 11
Views: 892

Re: Payment question

This sounds odd. All the dentists I've ever dealt with have no problem generating a bill or invoice. Do you have dental insurance? I would suspect that maybe billing your directly for payment might conflict with some insurance agreement he has or maybe he did some procedure (or variation) that was ...
by babyvinny
Wed Nov 20, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Payment question
Replies: 11
Views: 892

Re: Payment question

I moved and can’t go to his office for payment. I called his office before, but I don’t think his staff have access to the invoice to take payment.
I wish he could be more direct and says no on FSA, so I don’t get stuck with $2k of unused FSA.
by babyvinny
Wed Nov 20, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Payment question
Replies: 11
Views: 892

Payment question

I have a dentist friend, who agreed to help me with a dental procedure and I only need to pay the lab fee. Majority of the work is done now, it may need some fine tuning at a later time. I told him I’d like to pay with my FSA, and he said he would send me an invoice. It’s been more than 5 months, I ...
by babyvinny
Wed Nov 20, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance
Replies: 18
Views: 1854

Re: Term life insurance

Thanks all. I’ll update at a later time.
by babyvinny
Thu Nov 14, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance
Replies: 18
Views: 1854

Re: Term life insurance

The company is Lincoln, has high rating and price is cheapest. I asked for quotes from 2 independent brokers, and they are very similar to each other. The broker said the product is capped at 1M, they simplify the process to cut down cost (something a long that line). They don't require blood test, ...
by babyvinny
Thu Nov 14, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance
Replies: 18
Views: 1854

Term life insurance

Hi all, I am looking into getting term life insurance, working with a broker right now, and the recommended product doesn't require lab/blood test. I'm healthy, but I didn't fast when I got my last blood test, and my "bad" cholesterol is a little high. I told my broker that and she said it...