Search found 542 matches

by abyan
Thu Mar 26, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 3222

Re: How are you supporting your community?

I see that combining my separate thread into this one effectively killed it. Last chance. Is anyone interested in helping out the medical caregivers with some financial advice? See my earlier post. Btw, see today's NYT for an article detailing exactly what I asked about last night. https://www.nytim...
by abyan
Wed Mar 25, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 3222

Re: How are you supporting your community?

LadyGeek wrote:
Wed Mar 25, 2020 6:28 pm
abyan - May I also suggest that the lawyer pass along the link to Introduction to Estate Planning - The White Coat Investor? It's a very good resource that is dedicated to help medical professionals with their finances.
Yes thank you!!
by abyan
Wed Mar 25, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 3222

Re: Bogleheads, I have a patriotic ask of you

Well, as I already stated, they're already worried. So we can either respond to their request for help, or tell them they're being silly. I prefer to be helpful :) Also, it's just a really good idea to help folks think through a list of things they ought to be doing to have their financial affairs i...
by abyan
Wed Mar 25, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 3222

Bogleheads, I have a patriotic ask of you

[Thread merged into here, see below. --admin LadyGeek] So a fellow lawyer friend reached out and asked me if I had any advice for how we can help all the medical caregivers around the country helping with the Covid-19 battle. Specifically, he told me he's heard from a number of young doctors, nurse...
by abyan
Tue Mar 10, 2020 10:43 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27697

Re: What is the best concert you ever witnessed?

Springsteen in DC, sometime in the 1990s. Practically 5 hours long. Amazing.
by abyan
Sun Mar 01, 2020 12:40 am
Forum: Personal Investments
Topic: New to US: questions about retirement accounts
Replies: 7
Views: 439

Re: New to US: questions about retirement accounts

Be aware that a Roth may not be recognized as tax-free by the non-US country you possibly retire in.
by abyan
Fri Feb 14, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Pardon my ignorance here, but I have been looking at LenderFi about each day this week and it has been pretty consistent that LenderFi is providing me a 3.25% 30 year that have total closing costs and fees of approximately $2,500 (even with a credit score of 800+). So when we say "zero closing cost...
by abyan
Fri Feb 14, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Okay, now I'm getting annoyed that I paid $900 to refi at 3.5% :) It's all a gamble, with these rates. And I'm glad I locked in a good one -- I was at 4.125% before, and my mortgage started at 4.875%. So I'm doing well. Still, it's annoying to watch rates drop AFTER you lock (and settle). Sigh. Glad...
by abyan
Fri Feb 07, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco card - “instant” credit for disputed charge
Replies: 16
Views: 980

Re: Citi Costco card - “instant” credit for disputed charge

“We're pleased to let you know that your dispute has been resolved ― you'll see the credit in the next two business days - it'll be listed with your account activity on your statement, or by logging into Citi Online. This credit is permanent.” I got the same immediate definitive response on a recen...
by abyan
Mon Feb 03, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

They're in CA.
by abyan
Sat Feb 01, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Is lenderfi responsive? I filled out an application and hard pull on Thursday night. Had a question and emailed and called. No response at all on Friday. Their general 888 number and the assigned rep number ends up in voicemail. Not a very good first impression. I found it’s better to call than ema...
by abyan
Wed Jan 29, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Just checked a private link I still have for checking various loan options, though I think my link is just for refis. For an investment property condo, $300k mortgage, 30 year conventional mortgage, excellent credit, 50% equity, the fees were free for 4.375%, and if you pay like $20 you can get 4.25...
by abyan
Tue Jan 28, 2020 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

LOL wow! That's insane.
by abyan
Wed Jan 22, 2020 10:45 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27075

Re: Sad news: LadyGeek's husband has passed

So sorry to hear about this. I wouldn’t wish being a caregiver on anyone, having witnessed what my mom (and all of us) went through with my dad. And thank you for sharing what you’ve learned with us, as we’ll all be going through similar circumstances.
by abyan
Wed Jan 22, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Totally open, that's why I posted this! Just so folks would know their options. Be careful on that "+ other fees" component. My title fees were $1200! Fortunately, LenderFi promised me I'd pay $920 or so maxn for my 3.5% rate, and they upped their lender credit to cover the high title fees. My point...
by abyan
Wed Jan 22, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

You can upload some documents before rate lock. Otherwise, I locked on a Monday. Uploaded a few docs in the following days. Appraisal was Thursday of the same week. Closing was 9 days later.
by abyan
Tue Jan 21, 2020 10:57 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 105
Views: 14882

Re: Ally Bank's nightmarish online reviews -- should I be worried?

Ditto. Have used the savings, checking, and CDs and they’ve been great and easy. Been a few years now, still love em.
by abyan
Tue Jan 21, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Why would anyone care who services their loan? Are there any differences?
by abyan
Tue Jan 21, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

And my closing is done!
by abyan
Sun Jan 19, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: Better to pay off mortgage or buy CD?
Replies: 24
Views: 2267

Re: Better to pay off mortgage or buy CD?

Not exactly. If you Pay off your mortgage early, then in essence you already used your future mortgage payments to pay off your mortgage. If you then make monthly investments equal to your prior mortgage payment, then for a period of of time that’s extra money you already had anyway and you could’ve...
by abyan
Wed Jan 15, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Yes. Though one last minute glitch. The Lender Title Insurance fee they quoted me just jumped like $500, and while they offset some of it, they still just increased my costs by $150 at the last minute. And I don't recall that being discussed as a possibility. So stay tuned on that. But yes, the $495...
by abyan
Wed Jan 15, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Same thing happened with me. He tried to see if we could get it waived, but we couldn't (and I have almost 50% equity).
by abyan
Wed Jan 15, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Appraisal was normal. They sent an outside appraiser, I paid the $495 fee, she came to my home for maybe 15 minutes, had it completed within 5 days. Someone definitely needs to be home as they look at every room and photograph some of it. And it's to your advantage -- I informed her about a few spec...
by abyan
Wed Jan 15, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

Re: My LenderFi refinance is going well

Yep, I just talked to a friend who is an expert on such things, and he said the little errors are common, and that's why you get the forms, to verify the data etc BEFORE the closing.
by abyan
Wed Jan 15, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 354
Views: 42133

My LenderFi refinance is going well

Hey all, I wanted to post a note about my mortgage refi I'm doing with LenderFi, since I found out about them via you guys (there was some thread in which it was indicated they were actually decent operators). In fact, they've been great. My current rate is 4.125% (for a 30 year fixed conventional l...
by abyan
Tue Dec 31, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: The Death of The Stretch IRA
Replies: 153
Views: 11011

Re: The Death of The Stretch IRA

As has been stated before in the forums, IRAs were created for the retirement of the person who owns the account. When the person who owns the account dies, it doesn’t seem out of line to require taxes to be collected as the retirement has ended. I suppose taxes could be collected immediately inste...
by abyan
Tue Dec 31, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: The Death of The Stretch IRA
Replies: 153
Views: 11011

Re: The Death of The Stretch IRA

So the 5 year clock still ticks once the Roth is inherited?
by abyan
Tue Dec 31, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: The Death of The Stretch IRA
Replies: 153
Views: 11011

Re: The Death of The Stretch IRA

Okay, that’s better. Thanks.
by abyan
Tue Dec 31, 2019 12:14 am
Forum: Personal Finance (Not Investing)
Topic: The Death of The Stretch IRA
Replies: 153
Views: 11011

Re: The Death of The Stretch IRA

There are virtually no tax implications from making Roth withdrawals, and it would presumably be best for them to leave the assets in the Roth IRAs until the 10th year in order to take maximum advantage of tax-free growth, although if they genuinely needed the money before then, they could withdraw...
by abyan
Thu Dec 26, 2019 11:56 pm
Forum: Personal Investments
Topic: Ok so I think I have a plan after a month of learning investing
Replies: 134
Views: 6607

Re: When can I transfer $6k to ROTH for 2020?

why does it take a full week for cash to 'transfer in' to Vanguard from an outside account? This seems to be the only account I have w/ this long time-frame. As a result I always move $$ earlier in December so its ready to go, but still don't understand this week delay. That’s strange. When I move ...
by abyan
Fri Dec 20, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: Airpods Pro sold out for Christmas
Replies: 35
Views: 3404

Re: Airpods Pro sold out for Christmas

Does this really speak anything about the economy? $250 isn't outrageous and isn't there a "hot" item every year that sells out? I’m with you. I’m a huge Apple fan, but to me $250 is outrageous. And at least the first generation air pods’ batteries die in a year and a half and can’t be replaced. Ha...
by abyan
Sat Nov 23, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Should I replace my HVAC system or get home warranty plan?
Replies: 28
Views: 2302

Re: Should I replace my HVAC system or get home warranty plan?

Are home warranty plans really that bad? I plan to stay at this place for about 5-7 years. The cost for the warranty would amount to about $800/yr. I would assume they keep the system running for that time with repairs or even replace the entire system if it comes to that. But in any case $800 x 7 ...
by abyan
Wed Nov 20, 2019 3:35 pm
Forum: Investing - Theory, News & General
Topic: Tell me your HSA strategy/advice
Replies: 55
Views: 8298

Re: Tell me your HSA strategy/advice

Good question. I'm 68, wife 67. I'm still working part time, and money is going into our HSA, which is about 2% of asset allocation. I have it invested about 60/40 stock/bond. Have never used this money for medical expenses, and have saved receipts, but the prospect of using them (and corresponding...
by abyan
Tue Nov 19, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Open Enrollment - to HSA or not HSA?
Replies: 23
Views: 3668

Re: Open Enrollment - to HSA or not HSA?

When I do this type of comparison I try to analyze it based on maxing the deductible in both plans for a year....... One other factor to look at is what the out of pocket maximums on the two plans are once you hit the deductibles. I would think the HSA's portability and over all lower cost to meet ...
by abyan
Wed Nov 06, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son off the rails [how to plan for his inheritance]
Replies: 12
Views: 2541

Re: Adult son off the rails [how to plan for his inheritance]

I would love to hear some opinions and options. I trust the BH group. I think your instincts are spot-on. Obviously talk to your husband to make sure he’s on board, then I’d suggest you two meet with an estate planning lawyer to inquire about options. But I think you’re absolutely right about your ...
by abyan
Wed Nov 06, 2019 7:07 pm
Forum: Investing - Theory, News & General
Topic: 2020 IRS Limits Announced for 401(k)'s etc.
Replies: 28
Views: 5039

Re: 2020 IRS Limits Announced for 401(k)'s etc.

I’m confused. Including the catch-up contribution, what’s the max I can put into my solo 401k for 2020, for employee and employer contributions combined? $63,000?
by abyan
Sun Sep 01, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: 20 year old unused travelers checks... what to do with them?
Replies: 25
Views: 6385

Re: 20 year old unused travelers checks... what to do with them?

Mine were like 40 or 50 years old (some of them). My bank accepted them. Though it was hard matching my teenage signature!
by abyan
Sun Sep 01, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Family as estate lawyer?
Replies: 7
Views: 658

Re: Family as estate lawyer?

When my parents wanted to amend their living trust, the lawyer who created it 20 years ago was gone. We simply went to a new lawyer, gave him a copy of the old will, and he updated it for us.
by abyan
Mon Aug 26, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Question about effective date of i401k after amendment
Replies: 1
Views: 170

Question about effective date of i401k after amendment

Hey everyone, a quick question. As you may recall, I transferred my i401k from Vanguard to Schwab so that I could directly rollover my IRA into my i401k. I now plan to transfer the i401k back to Vanguard (it's just easier having all my accounts at one place, among other reasons), and I have a questi...
by abyan
Wed Aug 21, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 4084

Re: Best undergrad majors ahead of Law school?

Another JD here from a top school, who had lot of different majors in college. What mattered most was my LSAT score and my grades. For Harvard and Yale, you’ll need more than that, sure, but i’m just not convinced that anybody cares about their undergrad majors. As others have mentioned, she should ...
by abyan
Tue Aug 20, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Chicago - What to see, do & eat in two days
Replies: 71
Views: 4246

Re: Chicago - What to see, do & eat in two days

The museums are great but rather expensive imho. Like $25 for an adult. Be prepared. I think the Hancock observation deck provides a much prettier view of the city than Sears Tower (I refuse to call it Willis). The Art Institute is amazing but possibly not for young kids, they’d probably prefer the ...
by abyan
Sat Aug 17, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Could frozen fruit be actually moldy, or am I imagining things?
Replies: 9
Views: 1254

Re: Could frozen fruit be actually moldy, or am I imagining things?

Why not? It wasn't frozen until it was frozen, it could have gone off before. I have an unfortunately keen nose and tongue for tasting when things go off. You seem to as well. Trust your senses.
by abyan
Fri Aug 16, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1952
Views: 211755

Re: [What TV Show Have You Recently Watched?]

“Dead to Me” on Netflix, and “The Boys” on Amazon Video. Both very different from each other and from a lot of the shows out there. The actors on Dead to Me are amazing, and such a bizarre premise. And The Boys is equally odd and impressive (though a touch more soap opera-ish). It’s hard to explain ...
by abyan
Fri Aug 16, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance out-of-pocket maximum
Replies: 19
Views: 1115

Re: Health insurance out-of-pocket maximum

The rep told me that if it's an emergent condition then it might be "covered." This was the way my insurance worked before the ACA. What it actually meant was actual emergencies would be covered in the emergency room. But if it wasn’t an emergency, or if it was an emergency and then you get admitte...
by abyan
Wed Aug 14, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Skunks keep coming in our yard!
Replies: 44
Views: 3432

Re: Skunks keep coming in our yard!

Skunks are awful. My mom has been suffering an invasion (well, invasion force of one) for a year now. They do INCREDIBLE damage digging in just a night or two. And yes, as others said, it's likely grubs. So you need to get some grub killer pronto and spread it around. I believe you have to water it ...
by abyan
Tue Aug 13, 2019 11:12 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 3307

Re: Buenos Aires - How many days?

The Italian food is pretty to-die-for as well. As for the meat, I don’t even like steak and was pretty blown away. The meat pulled apart with a fork! And the leather goods are great. But if eating and shopping aren’t big deals for you, then BA becomes less interesting. Still a pretty city.
by abyan
Tue Aug 13, 2019 6:39 pm
Forum: Personal Investments
Topic: Is a Backdoor Roth worth it in our situation?
Replies: 26
Views: 1493

Re: Is a Backdoor Roth worth it in our situation?

Both of our employer's 401k plans allow for us to move our rollover IRA's into the 401k's, but the 401k's have about 1% expense total. Compare that to the VTSAX Admiral's expense ratio under 0.1%. Our rollover IRA accounts don't have a ton in them (mine is $75k, hers is $20k). This is a question fo...
by abyan
Tue Aug 13, 2019 2:20 pm
Forum: Personal Investments
Topic: Interest rates low: leverage up?
Replies: 63
Views: 5328

Re: Interest rates low: leverage up?

More than 100% of your assets in stocks is "too much risk" by any Boglehead definition. With 30 years to go to retirement? Presuming the person doesn’t freak out when the market plummets 40%, why would 100% equity be any risk at all if you aren’t touching your money for 30 years, even from a Bogleh...