Search found 261 matches

by rasputin
Wed Mar 18, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

Follow up - compiled paperwork and presented request to seller of house. They offered half of what I asked. I filed a case in small claims court and about a week later they offered me the full requested amount if I signed an agreement saying I wouldn't hold them liable for anything else. The check h...
by rasputin
Thu Jan 16, 2020 11:28 am
Forum: Personal Investments
Topic: Does front-loading my HSA mean I'm missing out on 401(k) contributions?
Replies: 42
Views: 1931

Re: Does front-loading my HSA mean I'm missing out on 401(k) contributions?

You are over thinking this. Contribute a minimum of 6% to your 401K no matter what, so you are guaranteed the full company match. Then contribute as much as you can to the HSA and other retirement accounts. One other thing - does your company provide any matching contributions for your HSA? Mine do...
by rasputin
Thu Jan 16, 2020 11:27 am
Forum: Personal Investments
Topic: Moving my rollover IRA from vanguard to my 401k - any gotchas?
Replies: 4
Views: 269

Moving my rollover IRA from vanguard to my 401k - any gotchas?

I'd like to be able to do a backdoor roth IRA contribution. I have a 401k (with employer, duh) and a rollover IRA with vanguard. Its my understanding that I should move the rollover IRA assets into my 401k otherwise the rollover IRA assets figure into taxes due for backdoor roth. I looked at the fun...
by rasputin
Fri Jan 03, 2020 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Writing a will / estate planning / when does it make sense to use a trust?
Replies: 26
Views: 2808

Re: Writing a will / estate planning / when does it make sense to use a trust?

I think at this point I'd like to figure out a 'quick and dirty' way to write a will since this is obviously more involved than I expected.
by rasputin
Thu Jan 02, 2020 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Writing a will / estate planning / when does it make sense to use a trust?
Replies: 26
Views: 2808

Re: Writing a will / estate planning / when does it make sense to use a trust?

Any recommendations for books on the topic? I like to have some basic understanding of what I'm getting into before I talk to a professional.
by rasputin
Wed Jan 01, 2020 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to save for retirement or pay off house?
Replies: 33
Views: 1827

Re: Continue to save for retirement or pay off house?

hbdad wrote:
Wed Jan 01, 2020 10:59 pm
My best option is Vanguard Target Retirement funds.
I'm in the same boat. Go ahead and use the target date funds. Look at their composition and offset with your non 457 accounts. I pick the furthest out target date fund as it'll be almost entirely stocks.
by rasputin
Wed Jan 01, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: For those who got out of tech industry (voluntarily or involuntarily)..
Replies: 109
Views: 8696

Re: For those who got out of tech industry (voluntarily or involuntarily)..

I can relate to how you feel. You're probably in some stage of burnout. Thats 100% normal as the tech industry tends to push people toward burnout. I feel the same as you do even though my career has never been better. Hang in there - stay sane and sock away money so you can retire eventually.
by rasputin
Wed Jan 01, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to save for retirement or pay off house?
Replies: 33
Views: 1827

Re: Continue to save for retirement or pay off house?

>I'd rather pay off the mortgage and have a sure thing, reduction of 2,100 in monthly costs at retirement, then invest it with non guaranteed returns. Sounds like you already made up your mind! IMO, mortgages are the cheapest money you'll ever get - so why would you be in a hurry to pay it off? I'd ...
by rasputin
Wed Jan 01, 2020 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Writing a will / estate planning / when does it make sense to use a trust?
Replies: 26
Views: 2808

Writing a will / estate planning / when does it make sense to use a trust?

I'm 40, my wife is 43 and we have two children ages 4 and 1. They're the main motivation for putting together a will. If I die or my wife dies everything is very simple - the survivor gets everything. Its more complex if we both pass. We've selected guardians in the case that we pass so the primary ...
by rasputin
Sun Oct 13, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

Lots of good advice in this thread. I appreciate it greatly as its helping me understand my situation on both logical and emotional levels. I will get multiple quotes on the chimney. I will pay to talk to a lawyer. I will remember that even if I'm stuck with the full chimney repair that this is a le...
by rasputin
Sat Oct 12, 2019 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

Something just occurred to me - The document that states the work and lack of lien - we've never been able to find _any_ information on the company as provided - 'A Plus Sub'. I tried looking them up in a state business database and came up empty. Was able to find other companies. It seems to me tha...
by rasputin
Sat Oct 12, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

I know this doesn’t help the OP, but this is why you put “work to be performed by a licensed contractor” and make seller give you a receipt from a licensed contractor to show work was actually done. Especially for something like this, that you can’t reasonably inspect during a final walkthrough. So...
by rasputin
Sat Oct 12, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

The seller represented to you that their unlicensed, unqualified son performed the work prior to your closing. No, she admitted that her son did the work AFTER CLOSING. Was your agent actually your agent, meaning representing you as a client in a fiduciary relationship? If yes, unless there were li...
by rasputin
Fri Oct 11, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

Spirit Rider wrote:
Fri Oct 11, 2019 10:47 pm
How do you even begin to think that the complete repair of the chimney including the lining is remotely the sellers responsibility? When you have never stated it was in the inspection report and/or the seller agreed to those repairs.
Read the second sentence in this thread and get back to me.
by rasputin
Fri Oct 11, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

The inspection only identified the flu needed to be inspected and repaired and that was done and you signed off on. Why do you think the seller is responsible for replacing the lining and other repairs that were NOT in the inspection report and the seller did not agree to? The flu was never inspect...
by rasputin
Fri Oct 11, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

I'm kind of set on having messy wood burning fires.

I am curious about options that allow for both - hrm, seems unlikely that such a thing really exists.
bluebirdy wrote:
Fri Oct 11, 2019 5:30 pm
Yes, would definitely recommend considering this versus the $7K out-of-pocket lining, unless you are set on having messy wood burning fires.
by rasputin
Fri Oct 11, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

Did you have a home inspection and report before negotiating the defects to be repaired? Is the lining mentioned there? Was there a final walk-through before closing? Yes, full inspection. Inspection mentions that the flu needed to be inspected and repaired and the seller agreed to do it.The chimne...
by rasputin
Fri Oct 11, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

I don't think I'd use a real estate agent next time. I'd pay for a lawyer out of the 3% I'd save. God, I find this soooo frustrating. We needed guidance and it basically wasn't provided. I worked very hard to understand the transaction as much as possible and I believe I understood more than the va...
by rasputin
Fri Oct 11, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

Some questions..... The chimney inspector.......does he perform work to re-line the chimney? If so, he has a vested interest in calling it bad. I would get another inspector to not just inspect, but create a full report of what is lacking and how it would best be fixed. $7k sounds like rebuilding t...
by rasputin
Fri Oct 11, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

I am surprised your real estate agent who is a builder thought the scanty repair information provided at closing was “good.” Is he a new agent or a friend of the Seller who is also an agent? He came highly recommended and was very much 'no bullshit' but clearly he lacked experience in this particul...
by rasputin
Thu Oct 10, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5687

Seller misrepresented fulfillment of defect fixes - next steps? sue?

I bought my first home about 5 months ago and moved in about 3 months ago. The seller had agreed to fix a number of defects, most importantly the chimney flue. At closing we were presented with a distinct lack of paperwork on the topic although the chimney from all external appearances appeared to h...
by rasputin
Fri Aug 16, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance - should I go from 4% => 3.5%? Why did mortgage rates tick up as economic data has been hesitant?
Replies: 12
Views: 2380

Re: Mortgage refinance - should I go from 4% => 3.5%? Why did mortgage rates tick up as economic data has been hesitant?

I heard from a different company today that offered 3.375 and no fees. I’m going to take it.

Oh, no escrow account either!
by rasputin
Fri Aug 16, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance - should I go from 4% => 3.5%? Why did mortgage rates tick up as economic data has been hesitant?
Replies: 12
Views: 2380

Re: Mortgage refinance - should I go from 4% => 3.5%? Why did mortgage rates tick up as economic data has been hesitant?

>You prob can do no fees at 3.625 or so which would make it a clear win and can do it again if rates continue downward

Excellent advice - thats what I've done. I can lower my monthly payment $100 at a one time cost of $1000.
by rasputin
Thu Aug 15, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance - should I go from 4% => 3.5%? Why did mortgage rates tick up as economic data has been hesitant?
Replies: 12
Views: 2380

Mortgage refinance - should I go from 4% => 3.5%? Why did mortgage rates tick up as economic data has been hesitant?

I'm tempted to refinance my 4 month old mortgage which is a 30 year mortgage at 4%. New mortgage would be at 3.5% and it looks like it would cost me $2500 in various fees. This would save me $130 a month. The only reason why I hesitate is because of market fluctuations. It seems like economic indica...
by rasputin
Sun Jun 16, 2019 8:31 pm
Forum: Personal Investments
Topic: Switched jobs - over contributed to my 401k - what if I do nothing?
Replies: 5
Views: 860

Re: Switched jobs - over contributed to my 401k - what if I do nothing?

I recently received a check from my 401k in the amount of last year's overpayment. I'm not sure which mechanism they use to determine overpayment but apparently its functional. If I had known, I might have tried to kick the money out of my previous 401k which didn't have a match.

Win some, lose some.
by rasputin
Sun May 12, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5080

Re: ug - seeking medical billing advice for ambulance ride

^ 45 years at $1 a month. Is be inclined just to pay it in one sum, or at something like $90 a month for six months, than have a debt against my name for more than four decades. If you're in a payment plan, does it show on your credit? If it did, what would it matter? Might help - sometimes they li...
by rasputin
Sun May 12, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5080

Re: ug - seeking medical billing advice for ambulance ride

MTF wrote:
Sun May 12, 2019 4:42 pm
^ 45 years at $1 a month. Is be inclined just to pay it in one sum, or at something like $90 a month for six months, than have a debt against my name for more than four decades.
You sir are considerably less spiteful than I am.
by rasputin
Sun May 12, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Comparison shopping for a mortgage - any advice?
Replies: 17
Views: 2516

Re: Comparison shopping for a mortgage - any advice?

Update - I got a mortgage with a 4.0% interest rate and $1680 in lender credits. I had applied to six different lenders and then I took the best offers and checked to see if they could be matched. Only two companies were willing to deal - the rest said 'sorry, we can't do that!' I did bluff a lower ...
by rasputin
Sun May 12, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5080

Re: ug - seeking medical billing advice for ambulance ride

I found a loophole - you can request to be put on a payment plan. There's no interest on the payment plan and no minimum payment. I'm paying one dollar a month.
by rasputin
Sat Apr 27, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 58
Views: 6982

Re: Do I need title insurance?

FWIW - I decided to get title insurance. I went to the deed registrar and discovered it would take some work to verify that the title was in good standing. Further, I would need to go to a second location to check for liens. I had only $350 at stake and there were more productive things to do with m...
by rasputin
Fri Apr 26, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 58
Views: 6982

Re: Do I need title insurance?

To be clear - my question was attempting to determine the exact amount of risk title insurance covers. Not in dollar amount but in 'what can go wrong?' Any story I've read has either a) been sloppy paperwork or b) someone apparently coming out of nowhere with some sort of claim. If someone is coming...
by rasputin
Thu Apr 25, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 58
Views: 6982

Re: Do I need title insurance?

I'm buying a home and I'm contemplating going without title insurance. My main question after hearing the pros and cons - How do mistakes occur in a title search? Are they exclusively mistakes made by the company doing the search and you're on the hook for the error? Do deed registrars make mistakes...
by rasputin
Mon Apr 01, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Comparison shopping for a mortgage - any advice?
Replies: 17
Views: 2516

Comparison shopping for a mortgage - any advice?

I'm currently shopping for a mortgage. 30 year, fixed, primary residence. I have excellent credit. I want a low interest rate and low fees. I've contacted a number of mortgage providers and I'm receiving quotes. The next step will be negotiating lower rates and fees. The simple way is to find the be...
by rasputin
Mon Feb 18, 2019 11:00 am
Forum: Personal Investments
Topic: Tax efficient strategies for incentive stock option windfall
Replies: 7
Views: 667

Tax efficient strategies for incentive stock option windfall

I have incentive stock options which vest over the next 3.5 years at the common schedule (1/4 after first year, then 1/48 each month thereafter). At the current price, they're worth just shy of one million dollars above the strike price. I'm looking for tax efficient ways to manage this potential wi...
by rasputin
Mon Feb 11, 2019 12:47 am
Forum: Personal Investments
Topic: Switched jobs - over contributed to my 401k - what if I do nothing?
Replies: 5
Views: 860

Re: Switched jobs - over contributed to my 401k - what if I do nothing?

I should be more clear - what is the mechanism that a 401k plan determines that someone has over contributed due to contributions to another plan?
by rasputin
Mon Feb 11, 2019 12:26 am
Forum: Personal Investments
Topic: Switched jobs - over contributed to my 401k - what if I do nothing?
Replies: 5
Views: 860

Switched jobs - over contributed to my 401k - what if I do nothing?

I worked for two different companies last year. At my first job I maxed out my 401k. Then at my second job I made a an additional contribution by mistake. HOWEVER, my new company has a generous 401k matching program so I come out alright even if my portion of the money is being taxed twice. (on the ...
by rasputin
Wed Jan 09, 2019 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Employee stock options - is it worth quibbling about the grant date?
Replies: 6
Views: 679

Re: Employee stock options - is it worth quibbling about the grant date?

Read my employment and stock option docs and decided to sign. I don't think I quibbling would go anywhere and thats completely reasonable. Just wanted to make sure I was playing my hand appropriately.
by rasputin
Wed Jan 09, 2019 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5080

Re: ug - seeking medical billing advice for ambulance ride

Not only would I take an Uber, but I am so cheap I'd make it an Uber Share. What happened to the bike, btw? Helmet was worn, always is. Probably did prevent a nasty concussion. Helpful neighbor took the bike and returned it later that evening. We have good neighbors here. I do realize that in the l...
by rasputin
Wed Jan 09, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5080

Re: ug - seeking medical billing advice for ambulance ride

I would pay it and move on. $500 for an ambulance seems like a bargain based on bills I get for health care You're missing the point in the same way a lot of people do - its not about the expense. Nobody should be surprised that anything medical is expensive. Its about whether there is sufficient i...
by rasputin
Wed Jan 09, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Employee stock options - is it worth quibbling about the grant date?
Replies: 6
Views: 679

Employee stock options - is it worth quibbling about the grant date?

I recently joined a company shortly before its IPO. (yes, its good fortune assuming I last a few years) My first day was on a Monday, the IPO was on the friday of that same week. My options were dated for friday rather than my first day of employment which strikes me as kind of odd. They're priced a...
by rasputin
Wed Jan 02, 2019 12:45 am
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 10071

Re: How to afford a sports car?

You're frustrated because you're fixated on something you don't have. Is owning a fast car your only goal in life? If so, go for it. That said, you'll find the price awfully high in the long run.

What are your life goals? Answer that and then we can talk about what car you should drive (if any!).
by rasputin
Tue Jan 01, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5080

Re: ug - seeking medical billing advice for ambulance ride

Nate79 wrote:
Tue Jan 01, 2019 9:24 pm
If I understand correctly this is called balanced billing and is legal in many (most?) states.
Yes, its called balance billing.

I'm realizing that part of my surprise is because i moved from NY two years ago where this sort of thing is illegal. No wonder why it was a surprise.
by rasputin
Tue Jan 01, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5080

ug - seeking medical billing advice for ambulance ride

Mid november I was riding my bike, slipped on a patch of ice (on a city maintained bike path), and ended up calling 911 to go to the er. Nothing was broken although I was in a lot of pain. I was still in some pain for about a month but now I'm just about fully recovered. Thats the good news. ....buu...
by rasputin
Sat Dec 29, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Over contributed to 401k - how best to resolve?
Replies: 1
Views: 243

Over contributed to 401k - how best to resolve?

I've had two employers this year. I maxed out my 401k with my first employer - with no match. But I mistakenly contributed to my new employer's 401k who matches up to 6% of my income. Should I simply contact the 401k administrator at my previous company to resolve the issue instead of trying to corr...
by rasputin
Sat Sep 15, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 61836

Re: What is your luxury good?

I would have been quickly lumped into the same group as you. That said, I do like nice bicycles, good food, and once in a while nice clothes. Also, I'm pretty moderate even with my 'luxury' goods. Might change once I feel ahead of the game retirement wise.
by rasputin
Fri Sep 14, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: how to get out of a company 401k
Replies: 5
Views: 630

Re: how to get out of a company 401k

I've been through something extremely similar - 401k was provided through some sort of 'co-employer' arrangement at my new company and my old company. Could not roll over! As far as the administrator was concerned, I had been rehired by the same company. STTTUPPPIDDD. But you know what? We're the li...