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It is likely a trueup contribution. To ensure you received your entire (proper) match.

drdrgolf wrote: ↑Mon Mar 13, 2023 12:42 pm At our annual HVAC preventive maintenance inspection the tech mentioned that if our 15 year old AC unit needed to be recharged there were no supplies available for that type of gas. It would necessitate replacement of our AC unit. Are there any alternatives to this dilemma?? Any suggestions will be received appreciatively.
Thanks in advance.
Dominic

Find a new HVAC contractor. If he said, it is getting more expensive and harder to come by, yes, I would believe him/her. Saying there are no supplies available is just not true. R-22, R-410a are still available.

You followed the proper procedure. Do not beat yourself up.

Do a quick look at the property on Zillow - and look at that propery and any surrounding property. That will give you a very quick and free assessment.

It all depends on why one was looking to move to a new position -

1- Received a random phone call with a great opportunity - I would entertain a counter offer.
2- Realizing that other opportunities can provide a better life balance and total compensation - I would entertain a counter offer.
3- Coporate culture is conflicting with my personal direction - I would not entertain a counter offer.

I recently experienced #2 - where an opportunity that I found had a better total compensation package - was and able to use that to leverage my currently employer to sweeten the deal for me. It has worked out well for me.

Stop worrying about this. Should you budget extra time - yes - but not because of the incident, because of staff shortages. Enjoy your international flight.

What is your legal relationship with this HOA? If there is none - there is no way I would entangle myself with them. If there is a relationship - I would ask - Who is asking for this and why? Once they respond, I would consult my own lawyer (and even might still not entertain the HOA).

I would fly. And I do fly, quite often.

Why would you want to take on the wear and tear on your new Forrester? Also why have the risk of an accident on you, your car and your insurance? In theory, the mileage paid is supposed to reimburse you for the costs of the travel, but when I add it up - it does not work out - wear on the car (Oil, tires, wipers, etc), gas expense - and the wear and tear on you - 8 hours of driving may be exhausting (add a little weather or accident delay) an 8 hour drive can be 12-14 hours.

Yes, there are delays with flights right now - but if you flight gets canceled - that is out of your control. If you are delayed in traffic - that is on you.

Don't do this. It will not work out for you. Talk to the bank and see if there is a legal method they would approve of that would allow you to keep the mortgage.

Wire the funds - to the escrow company - this is likely the way they want it. Trying to ACH it over can take a few days and if you need to spread it out, take way longer. The escrow company likely uses wired transactions - and they know how it all works. Make it easier on yourself and stay within their comfort zone.

The escrow company is the entity that will make sure everyone is paid properly - it is the entity that you trust and the seller trusts to make sure you both have the proper transaction completed.

I really do not want to comment - other than to say, get a second opinion from another accountant.

I paid for half of undergraduate tuition. Room, board, books - tuition - to some great state schools (UVA, VTech, JMU). Them having skin in the game was an awesome teaching experience for them. They saw some of their classmates who had no skin in the game doing a Victory Lap year.

I also split the cost of a reasonable car with them - 50-50. I do not regret this decision one bit. They were able to use some of their savings, offset with scholarships (Rotary, Golf club, etc) and with on campus jobs. They graduated, not only debt free, but also with money in their investment accounts.

What is TRUE UP ??? Lets say your employer matches 6% of your contribution. Normally, that is taken into account on each pay period - and the employer will only match at that 6% rate, so that is you contributed at the 10% rate you are kinda missing out on the full match. If you hit the contribution limit early in year - you will likely have shortchanged your match - as the employer will not be matching for the rest of the year, as you are not making any contributions. Salary 100k - 6% match - equal pay check contributions will lead to a 6k match. Salary 100k - 6% match - front load to first half of year will lead to a 3k match. The True Up - is when the employer 'looks' at your total contribution over the year and 'True's Up' the match so ...

If the floor is "rolling" up and down - as shown on a level with the daylight showing through - it needs to be leveled. This is different from pulling a slope on the floor from one side to the other.

Have you recently changed providers? The provider has to enable group messaging on their end. I recently switched - as my provider (not a major one) - was unable to get group messaging working on 1 of my family lines.

Yes - depending on what features you would like to have with this account.

viewtopic.php?t=385191

correction - A joint account is only FDIC insured up to the 250k amount. [/size] Open two individual accounts at the same bank. Keep the joint account - up to 250k, plus another account of a different type (savings, cd, etc). Open two accounts at different banks. There are ways to get more coverage using beneficiary's - but for the short term, it is not worth the effort to set it up. https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/ Noted on a Joint account - where I was reading indicated that the account was only insured up to the 250k limit. To me, the below reads that one needs a second account - which I had indicated. "If all of these requirements are met, each co-owner's shares of every joint account tha...

try a bucket trap - 5 gallon bucket and a paper towel roll - works like a charm. Here is an advanced version - https://www.youtube.com/watch?v=_cL-A3uJ_44

Yes, they can apply to the ACA exchange.

You stated that your future insurance will not cover them - which means that they do not have an alternative insurance provider.

Yes, for simplicity sake - get your own lawyer. It will not take much time, but make sure all the documents are in order.

8foot7 wrote: ↑Tue Aug 30, 2022 4:48 am RBC required new accounts for each beneficiary. We then immediately transferred ours out.

This - Do not try to fight the issue. Just open the account as they wish, and then you can control moving/selling the funds at your leisure. It is the easiest way. Otherwise, when it gets screwed up, they will blame your request for an external account.

Seriously consider using Vinyl Fencing. Nailing 2x6's to 4x4's - will likely devalue your property. Also, if you are doing this yourself, consider renting a Dingo for the auger.

"No, I am not interested in an extended warranty"

"If you persist in trying to sell it to me, I will find another dealer."

You wall is textured - it is not a simple 'mud n tape n sand' this type of wall. It will be very very difficult to just fix those two areas without them being noticed.

Your lawyer can easily take care of this - making the legality of #1 contingent on #2 being executed.

Make it free.

When you go down teh path of assigning tickets - how do you compensate for the family of 2 vs the family of 7. It will become too complicated. Post a sign - that folks are expected to limit items and be reasonable.

And free is not free - these folks have paid for this event already - through the use of the HOA and donations.

Steve Austin - 6 Million Dollar Man - he was a soft landing, as he lived.

It all depends on how many miles you plan on putting in the car - and in what amount of time.

My every day car - new tires.
My knock around pick up - used tires.

There is NOTHING wrong with using used tires - that are still in good serviceable condition. That new pickup that was totaled - has 4 good tires on it.

bmelikia wrote: ↑Wed May 18, 2022 11:21 am

I think I would benefit by "removing myself" from seeing the money hit my traditional checking account and would like the psychological benefit of just never seeing the money in the first place and just know that its going to work for me at Vanguard

THIS - exactly - just another deduction and it moves over into my Investment account. Have never had an issue and have even moved employers.

Yes. Profile and account settings -> Banking - Direct Deposit.

This will allow you to set up an account that can be shared with your employer so that they can direct deposit into your account. You then choose to which funds and what percentage is added each time a deposit is made.

This is assuming your employer will allow this direct deposit. My employer allows me to choose two direct deposit accounts for my payroll - so that I can direct a portion of each payroll to my Vanguard investment account and the remainder into my local bank checking account.

It is not just about the basement. I would go for an outside entrance to the basement.

What is the other uses of the house - walkout means -
Deck - The deck is on the second story - makes it harder to utilize the backyard/pool/etc.
Pro - is that you can get an outdoor covered area on the cheap
The roofline is now three stories high in the back - do you want/need to get to the roof for maintenance - clean gutters, etc.
Yard - is at an incline, will this incline prevent you from using the yard - side driveway, detached garage, etc.

Walk up -
Smaller windows inside the basement - can limit bedroom or other uses
has the main floor closer to the ground - pass through windows, door usage.
Easier access to deck from patio, etc.

Haymarket here. What is several days a week? And are you flexible on the travel times? If you are 9-5er, 5 days a week - I would reconsider. The buses will run better when the (already constructed, mostly) express lanes open up. Schools - excellent. They do rank better than Ashburn high schools (and it all depends on the ranking scale). Battlefield and Patriot students do get into UVA, VT and other "best universities" - in high numbers. AP courses galore, Battlefield is the county Technology high school (computer science focused). Commute - off hours - not so bad - early or mid day - I often commute (or did) to Roslyn, taking calls in both directions. Quality of life - a lot less congested than Ashburn or any of the closer to the ...

Mentally, it may be the same pay - however, it does provide an additional benefit (no commuter costs). Also, as the cost of some vacation time. THe extra time you have on a daily basis and weekends (start earlier on Friday and end later on Sunday) - more than make up teh difference.

What is being communicated - we are raising the price by $10K - with no reason behind it? Then I would balk. If given a reason which is supportable AND the contract allows for this type of up-charge - then I would be ok with it. OTherewise, I would push back and tell him to adhere to the contract. If prices had gone down, woulth they be offering a discount?

I use a Ron Popeil - Set it and forget it rottiserie - perfect every time.

Hershey PA chocolate factory and town? Hmm it could be an option. I always liked Hershey Park growing up and remember I really loved the rides. I don't know how many rides I could take our 4 year old on though, and usually we only spent 1 day in the park (this was a long time ago). If we did the park for 1 day, I'll have to look into if there is anything else in the town or surrounding area that could entertain us for another day or two. Dutch Wonderland, Lancaster PA is about an hour away from Hershey - and is very age appropriate for a 4y.o. Sesame Place - Langhorne PA - Mystic Aquarium, Mystic CT Clarks Bears and Lost river gorge (great caves for a 4yo and adult) - Lincoln NH Strawberry Park Resort - camping resort, rent on site accommo...

What are the golden handcuffs holding you back? From what was provided - it is time to move on. Some very successful ventures end up being total failures due to many things - poor marketing, management, etc.

You mention potential earnings if they IPO - yet, you do not mention any pre-IPO ownership. If you are not in a stock ownership (or options) state now, why would that change post acquisition?

This is a no brainer to me. You can always come back if they do become successful.

Why not show your daughter how to assemble the unit - and then let her run with it. You can always give her armchair advise over the weekends to ensure she is succeeding.

I am curious as to what the device is - maybe i would be interested.

What does your written contract say in regards to Fees? That is where you need to start. I would also push back on just billed fees that are over a year old - todays investors should not be paying yesterday's expenses. The people that benefited during those years could be gone from the fund.

If the homeowner is responsible for the replacement - how do you make them adhere to a specific timeline? If I can choose when to replace my windows, maybe I do it this year - and you do it next year, and the neighbor postpones for a few years. Sorry, no. This is one of the reasons to own a Condo - so that they are all uniformly maintained. You are looking to just move the costs from a centrally controlled method to distributing it. Currently, the homeowners are still on the hook for replacing the windows - what funds are currently in long term capital to replace the windows? I do hope the association has performed a reserve study to properly identify and fund long term projects. This is a big problem. Almost any major improvement requires...

If the homeowner is responsible for the replacement - how do you make them adhere to a specific timeline? If I can choose when to replace my windows, maybe I do it this year - and you do it next year, and the neighbor postpones for a few years.

Sorry, no. This is one of the reasons to own a Condo - so that they are all uniformly maintained. You are looking to just move the costs from a centrally controlled method to distributing it. Currently, the homeowners are still on the hook for replacing the windows - what funds are currently in long term capital to replace the windows? I do hope the association has performed a reserve study to properly identify and fund long term projects.

I have a house that was listed as being in a Flood Zone - however, I felt that it was not. Flood insurance was required by the Mortgage company.

I did contract with a Surveyor - who was able to map out the property and ensure that the house and garage were not in the flood plain - which was sufficient for my peace of mind and allow me to drop the flood insurance requirement with the mortgage company approval.

This sounds like a good recommendation. What is the subfloor made of - OSB or another cheap plywood?

The contractor is doing the right thing with this recommendation.

Your neighbor is trying to make his issue your problem. When my neighbors take on a project, I do not expect to incur a cost - and that is what this is. It would not be in my budget to help them out. He can always move the garage to remove the issue also - instead of moving the sewer line. Does the third neighbor tap into that same line?


Are there other utilities that transgress across their property? There was likely an easement or at least an implied easement at the time of lot creation, way back when.

Has the owner offered any money back in order to accept the backsplash with additional seams in it? It might be worth a path looking into. Can the seams be strategically placed in order to reduce the visibility of them.

I would certainly not pay the full price with the additional seams - if it was discussed where and how many seams there would be.

The new 401k will likely allow an incoming transfer for a previous 401k. Contact them to ensure the plan allows is (many do). This will collapse you down to one 401k without using a tIRA - which can limit your options to do a roth conversion of other IRA's due to tax implications.

Heavy business mouse user here. By far 5e best is the Logitech TracBall - thumb controls the mouse movement, index finger controls the scrolling. My arm does not move and I do not need the desk space for a traditional mouse.

No outside access?? Do it now. Last thing you want is to need to drag in all of the supplies through your newly finished home.

If you had outside access - I would highly recommend to wait - after living in the space for a bit - you may change your mind about your needs and wants.

Sell it if you wish. Plenty of people want a new home without the hassle of actually going through the building process. Treat it as a Spec Home - let the new-to-be owner pick their own colors, etc.

koryg75 wrote: ↑Sat Nov 06, 2021 5:50 pm It’s perfectly legal for the anesthesia provider to not accept medicare. But it’s a poor business practice for the GI group to use an anesthesia provider who doesn’t accept what the GI group accepts and/or it’s in network for the same insurance providers. I’d go somewhere else if it’s an option.

This!! Yes, a poor business practice - but in my area, a very common business practice.