Search found 341 matches

by Mako
Mon Nov 30, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Is it public record when you pay off a mortgage?
Replies: 77
Views: 6656

Re: Is it public record when you pay off a mortgage?

AFAIK it's public everywhere but I imagine the difficulty is different in different states. In mine you have to sign up for a land records username and password, and you can look up this kind of stuff (deeds, liens etc.). I can't imagine anyone who is irresponsible with money would go to such effort...
by Mako
Mon Nov 30, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Can I download Turbo Tax without CD Drive on my Computer when Purchasing Via Amazon?
Replies: 5
Views: 399

Re: Can I download Turbo Tax without CD Drive on my Computer when Purchasing Via Amazon?

I bought it off Amazon last year and downloaded it. I have no CD drive. This was a Mac but I can't imagine PC wouldn't be the same.
by Mako
Mon Nov 30, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: Any Deals on Turbotax This Year?
Replies: 8
Views: 1076

Re: Any Deals on Turbotax This Year?

I believe it was two years ago someone suggested setting up a camelcamelcamel alert for a price drop on Amazon because for the last X number of years they have offered a discount + $10 amazon gift card. This brings the cost of TurboTax Deluxe down to about $32.38 I believe. According to my records,...
by Mako
Sat Nov 28, 2020 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare surrender denied, no idea why, please help
Replies: 163
Views: 10472

Re: Timeshare surrender denied, no idea why, please help

I'm afraid you have inherited it now and the company can come after you for the maintenance fees if you just stop paying them. I wouldn’t state this as fact unless you are a lawyer in OP’s state. It’s definitely possible though. He needs to figure this part out and disclaim this money pit if at all...
by Mako
Thu Nov 12, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: Can one trade futures in an HSA (by law)? Do any brokers support futures in an HSA (allowable by broker policy)?
Replies: 8
Views: 598

Re: Can one trade futures in an HSA (by law)? Do any brokers support futures in an HSA (allowable by broker policy)?

One data point, TD Ameritrade wouldn’t let me. I wanted to sell covered calls, basically the most minimal level of futures trading. They just said no with no further info so no idea if it is law or regulation or my plan or just their policy.
by Mako
Tue Nov 10, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: What do you give your adult children at holiday time?
Replies: 175
Views: 12370

Re: What do you give your adult children at holiday time?

I haven’t read the thread. I make a list on Amazon and the in laws pick from it. They spend a similar amount for everyone in the same generation—if someone doesn’t pick enough (re what the in laws plan to spend) they get a gift card for the remainder. If they pick too much of course they don’t get e...
by Mako
Tue Nov 10, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Recently sold house - roof leaking, repairs didn't work, being contacted by buyer
Replies: 128
Views: 13345

Re: Recently sold house - roof leaking, repairs didn't work, being contacted by buyer

I'm not here to give any advice as I am not knowledgeable about these things and since the overwhelming sentiment here is for the seller to ignore the buyer's communications I have to assume that is the correct path forward. But I am nevertheless curious. Seller was obligated to fix the leak; selle...
by Mako
Thu Oct 15, 2020 3:59 pm
Forum: Personal Investments
Topic: HSA -FICA tax
Replies: 6
Views: 623

Re: HSA -FICA tax

Correct. 1.45% of $7k is $101 so that's your benefit. (well, more like $103 since the amount is actually $7100)

At the same time, typically a negative of going through payroll is that your future SS would be slightly less, but you don't get that negative either.
by Mako
Thu Sep 24, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 101
Views: 7775

Re: Annual oil changes a must? Car maintenance during these times

Jiffy Lube's new policy is you don't even get out of the car. You wind down the window enough to chat, and hand them a credit card. Another way in which the pandemic has made things better. Does that mean they won't check my cabin air filter and give me a crazy guilt trip to change it (for a mere $...
by Mako
Wed Sep 23, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: PODS or ABF/U-Pack or Similar?
Replies: 12
Views: 900

Re: PODS or ABF/U-Pack or Similar?

Five years ago I got two Pods and it worked out great. They stored the stuff for about 5 months also. I don’t recall exactly why I chose them over any of the others but I had no problems. This was an intrastate move.
by Mako
Tue Sep 22, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16134

Re: Physicians: Should I leave my job?

When doctors complain, on bogleheads at least, sometimes it is about administrators and a lot of times it's about insurance companies, but a whole lot of times it's about patients, and we're all patients, so we all feel that a little bit. Every time a medical billing complaint comes up, it's the pa...
by Mako
Tue Sep 22, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Disputed collections debt + possible identity theft, now what?
Replies: 5
Views: 539

Re: Disputed collections debt + possible identity theft, now what?

The debt collector may request proof he never lived there, but since there's no other identifying circumstances I'd try to convince them they're after someone else with the same name. Proving a negative is always fun. :P At least it's a far away state and he has no contacts whatsoever with AL, I do...
by Mako
Tue Sep 22, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Balloon payment in beginning of mortgage? Don't get it.
Replies: 10
Views: 1098

Re: Balloon payment in beginning of mortgage? Don't get it.

Is there an amortization table? I don't recall at what point you get those. If so and it's normal I wouldn't worry much, but I'd still ask about it.
by Mako
Tue Sep 22, 2020 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16134

Re: Physicians: Should I leave my job?

Im surprised by how folks dont have a problem with CEOs making mutiple millions for overseeing companies that do little for or may even harm.humanity, but somehow there is always an issue with the " overpaid" physcian. I'm a lawyer and had an opportunity to go for huge money, chose not to...
by Mako
Tue Sep 22, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Disputed collections debt + possible identity theft, now what?
Replies: 5
Views: 539

Re: Disputed collections debt + possible identity theft, now what?

Nate79 wrote: Tue Sep 22, 2020 8:26 am How about contact AT&T to make sure his account was closed in good standing?
I would have considered this the first step if not for the Alabama wrinkle, but I suppose you're right and I'll add it to his to do list.
by Mako
Tue Sep 22, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Disputed collections debt + possible identity theft, now what?
Replies: 5
Views: 539

Disputed collections debt + possible identity theft, now what?

Hi Bogleheads, I'm helping my father with this issue and appreciate any info. A few months ago my father got a letter and phone calls from a collection agency claiming he owed a debt of ~$1200 to AT&T. This was news to him, he had an account from AT&T several years ago but had cancelled it. ...
by Mako
Mon Sep 21, 2020 6:48 pm
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4361

Re: Your recent experience of visiting a dentist

I went last week for a cleaning and x-rays. At the door I had to use sanitizer and fill out a form stating that I wasn’t sick, hadn’t had recent COVID exposure, etc., and consenting to the risk that I could catch it there. After that they had me wash hands with soap for 20 seconds and sit in the wai...
by Mako
Mon Sep 21, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Hospital bill for deceased parent...received 2 years later.
Replies: 67
Views: 7431

Re: Hospital bill for deceased parent...received 2 years later.

For my insurance if the provider waits over a year to submit a bill to insurance they are out of luck. Insurance won't pay and I don't have to pay either (assuming in network). I don't think the second part of that sentence is accurate, your obligation to pay the medical provider is independent of ...
by Mako
Mon Sep 21, 2020 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Hospital bill for deceased parent...received 2 years later.
Replies: 67
Views: 7431

Re: Hospital bill for deceased parent...received 2 years later.

The bill says it was submitted to Aetna in July 2020 and came back Not Eligible status, so nothing paid. Presumably because she is deceased and not in Aetnas system anymore. The bill is under $1k. I can’t seem to find anything definitive in my googling either for statute of limitations. For my insu...
by Mako
Thu Sep 17, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14113

Re: Is this guy trying to scam me on a car I'm selling?

Some more. #1 Agreed. As I am unaware of where I am going, I have only one request. My friend who will be giving me a ride, is a fanatical Ravens fan. Evidently, they play at 1600 on Sunday. That being said, a late afternoon timing would not fare well for me. As I stated before, he lives on the wat...
by Mako
Tue Sep 15, 2020 5:58 pm
Forum: Investing - Theory, News & General
Topic: Variable Universal Life Insurance Experts - Seems Like a No Brainer - Please Read
Replies: 90
Views: 4595

Re: Variable Universal Life Insurance Experts - Seems Like a No Brainer - Please Read

Our multimillionaire-at-age-30, top-1%-of-all-income-earners has already told us that he has no desire to seek the assistance of an attorney or CPA. Yeah, this is more interesting to me than the rest of the thread (as I know nothing of these various life insurance products and have no interest in o...
by Mako
Thu Sep 03, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS or GEHA?
Replies: 78
Views: 4497

Re: BCBS or GEHA?

Tdubs wrote: Thu Sep 03, 2020 5:44 pm What do you mean it has no deductible? Which agency are you with?
GEHA and BCBS (I think) have no deductible plans new this year. Surely there is a negative of some kind to them but I haven’t really looked at them.
by Mako
Thu Sep 03, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS or GEHA?
Replies: 78
Views: 4497

Re: BCBS or GEHA?

You should really do the math at various expected expenditures instead of just assuming you don't want a deductible. When I was deciding GEHA HDHP beat GEHA regular (and BCBS) at pretty much every expected cost. They throw in $1800 of the $3000 deductible into your HSA which you can use or save, and...
by Mako
Thu Aug 27, 2020 11:28 am
Forum: Personal Investments
Topic: Using MD 529 beats taxable even with penalty?
Replies: 28
Views: 1975

Re: Using MD 529 beats taxable even with penalty?

Does MD claw back the tax deduction if you move the funds to a different state? No (at least when I checked last--probably in 2018). The website savingforcollege.org does indicate Maryland has a recapture provision. savingforcollege says this about the plan: "The principal portion of nonqualif...
by Mako
Thu Aug 27, 2020 8:26 am
Forum: Personal Investments
Topic: Using MD 529 beats taxable even with penalty?
Replies: 28
Views: 1975

Re: Using MD 529 beats taxable even with penalty?

rkhusky wrote: Thu Aug 27, 2020 6:47 am Does MD claw back the tax deduction if you move the funds to a different state?
No (at least when I checked last--probably in 2018).
by Mako
Tue Aug 25, 2020 5:47 pm
Forum: Personal Consumer Issues
Topic: Property line issue
Replies: 24
Views: 1987

Re: Property line issue

Personally, I'd push the issue without a doubt. No reason in the world to be on 20 acres and have someone that close to your structures. This exactly. I have 2 acres and would never feel a need to be doing stuff several feet from the property line. I probably wouldn’t really care, I figure not my b...
by Mako
Sun Aug 16, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Feds: Reach Number, Stay or Go?
Replies: 38
Views: 4262

Re: Feds: Reach Number, Stay or Go?

I have 16 years to go and plan to retire once eligible. I probably could afford to a few years earlier but I want the FEHB, and also my kids will likely be in college at that time so the extra few years work will help there.
by Mako
Sun Aug 16, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Employee Over Paid by Six Digits
Replies: 36
Views: 4102

Re: Employee Over Paid by Six Digits

I have found that a large portion of the working population has no clue what they should be getting paid (net/direct deposit amount). That is personal experience from many years in HR. A coworker of mine was underpaid for approximately 8 years. She only noticed when she was about to retire and star...
by Mako
Sat Aug 15, 2020 9:15 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 146
Views: 10317

Re: Terrible experience with Ally bank- buyer beware

I wouldn’t be comfortable relying on a one day wire from any bank, even if it would probably work most of the time. Any time I’ve needed a wire for a closing I’ve been able to set it up several days in advance and had it hit the title company bank the day prior, it shouldn’t take until the day befor...
by Mako
Sat Aug 15, 2020 8:56 am
Forum: Investing - Theory, News & General
Topic: Is there a grocery ETF?
Replies: 5
Views: 800

Re: Is there a grocery ETF?

They do. Huge turnover on very low margins to make a living. Wastage is high, too. Less than 5% margins (Operating profit/ sales) andcdown to 1-2% in some cases I believe. And you have new competition. WalMart carved out market share in its heartlands (non urban, flyover country). You also I believ...
by Mako
Fri Aug 14, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Chess.com, FICS or something else?
Replies: 12
Views: 1292

Re: Chess.com, FICS or something else?

I've been moving more towards lichess from chess.com over the last few years. I would use chess.com for longer time controls and rated games against stronger opponents. I would use lichess for quick anonymous games when you're just having fun and killing time. chess.com also has lots of other resou...
by Mako
Tue Aug 04, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 565988

Re: Refinance Mega Thread

For anyone who used Better.com and received an appraisal waiver: 1) How did Better return the $550 appraisal fee, did they refund the credit card used at/after close? 2) If I owe $700 to close, how do I pay this? I'm assuming with a personal check to the notary when I sign on closing? 3) How long d...
by Mako
Sat Aug 01, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 565988

Re: Refinance Mega Thread

Thank you, Brandon. Do you think I should waive escrow? It would cost me $600 to avoid paying $7,000 up front. If I retained that $7,000 in my Ally account at slightly more than 1% interest for 12 months, it would not earn anything close to $600. It seems that waiving escrow would cost me a lot mor...
by Mako
Thu Jul 30, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: still safe to buy a lowes extended warranty?
Replies: 6
Views: 520

Re: still safe to buy a lowes extended warranty?

The Lowes by me was always packed during quarantine. Lots of people stuck at home doing home projects I guess. I had not heard they were doing poorly. But that's really anecdotal I know.
by Mako
Wed Jul 29, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 565988

Re: Refinance Mega Thread

For those using Better, how long did it take after closing to start seeing any activity/updates? We closed Monday afternoon & so far I don’t see any updates on the Better.com site or any activity in the online portal at prior lender. At what point should I get nervous & start asking people ...
by Mako
Wed Jul 29, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 565988

Re: Refinance Mega Thread

I am in the process of trying to refinance our current 30 year FRM at 4.125% to a 15 year FRM both to lower my interest rate and pay my house off faster as I am financially more stable now compared to when the mortgage was acquired in 2018. My current lender (local bank who we enjoy working with an...
by Mako
Tue Jul 28, 2020 8:30 pm
Forum: Personal Investments
Topic: Portfolio Analysis please
Replies: 56
Views: 4809

Re: Advisor moved me from all S&P to these...thoughts?

The advisor was provided through his company. The high fee mutual funds are in her 401k. Not sure her 401k has any great choices but we need more details. It does look like the advisor suggestion is a lot more reasonable than the current investment selections. OP, please follow Sandtrap’s advice an...
by Mako
Tue Jul 28, 2020 8:07 pm
Forum: Personal Investments
Topic: Portfolio Analysis please
Replies: 56
Views: 4809

Re: Advisor moved me from all S&P to these...thoughts?

1. Tread carefully 2. Edward Jones? 3. Read the wiki and “getting started” before committing and shifting funds. 4. Why do you need a financial advisor? 5. Search the forum archives for “financial advisor” and read and keep reading the threads. And then read more. 6. You have nothing to lose and ev...
by Mako
Tue Jul 28, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuyers: Did you use a broker to help secure a mortgage?
Replies: 20
Views: 1687

Re: Homebuyers: Did you use a broker to help secure a mortgage?

Better.com and Ally.com will give you quotes without running your credit. Test conventional loan amount and jumbo loan amount. With excellent credit, I would think 3% (or lower) 30-year loans are still available. Aimloan.com also provides a quote without having to enter any personal info. When I re...
by Mako
Tue Jul 28, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: [First time home buyer - listing agent "made a mistake"]
Replies: 11
Views: 1107

Re: [First time home buyer - listing agent "made a mistake"]

I don't see how you are being screwed or messed with, whether this was an honest mistake or intentional. It doesn't really change anything, unless it changes what your offer would have been. If that's the case you can always rescind your offer unless it has already been accepted. I would say though ...
by Mako
Mon Jul 27, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing - previous loan payoff
Replies: 10
Views: 727

Re: Refinancing - previous loan payoff

Bah, I forgot when I wrote earlier and sorta misspoke, and galawdawg is of course right, that the loan cannot fund until the rescission period is over. I just checked my documents and even though I signed on a Tuesday evening I didn't get funded until the next Monday (because I had until EOD Friday ...
by Mako
Mon Jul 27, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing - previous loan payoff
Replies: 10
Views: 727

Re: Refinancing - previous loan payoff

I've only refi'd once, but mine was similar.

You'll get any excess back from the old lender in the next couple weeks, you don't just lose it. If you payoff today interest stops today. At least that's how it worked for me.
by Mako
Mon Jul 27, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?
Replies: 195
Views: 16888

Re: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?

Interested in hearing how those costly amenities are working out during this pandemic. Hope you are getting a refund. Are they at least providing free masks? -TheDDC How do think it's working out? And refunds are not likely. If I were on the Board of one I'd certainly explore lowering assessments n...
by Mako
Mon Jul 27, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: Increasing TSP Fund Expense Ratios
Replies: 54
Views: 3583

Re: Increasing TSP Fund Expense Ratios

I'm mildly irked by the transfer rules as well, though I hope they improve by the time I'm ready to retire in 15+ years. It is hard to complain too much about the ERs when Vanguard's 500 index is still at 0.04%, total bond at 0.05%, extended market 0.06%, and developed market (I know it's not the sa...
by Mako
Sun Jul 26, 2020 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Driveway On Neighbor's Land
Replies: 139
Views: 4692

Re: Land Border Issues & Aggressive Neighbor - Help Wanted Please

stan1 wrote: Sun Jul 26, 2020 2:10 pm Seems like you don't have a strong position to negotiate from.
Unless he has an adverse possession/prescriptive easement claim, which definitely seems possible. He needs a lawyer, and it seems he’s going that route so good for him.
by Mako
Sun Jul 26, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing Debate - 15yr (pay mortgage quicker) or 30yr (increase cashflow)
Replies: 32
Views: 1973

Re: Refinancing Debate - 15yr (pay mortgage quicker) or 30yr (increase cashflow)

Have you considered a 7 or 10 year ARM? If you're pretty certain you'll only be in the house for 5 years, these would offer the lowest interest rate and you can make payments like a 30 year. Would save you cash flow and interest. Just a thought. Everything is location dependent, but every time I’ve...
by Mako
Thu Jul 23, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 165
Views: 17306

Re: Just Ordered Peloton Bike

DW bought a Schwinn IC4 in Feb (timed luckily before COVID wiped out easy/cheap supply) for ~$800ish (one of the lower priced magnetic resistance bikes, I believe) Uses the Peloton App with it. Cheaper initial investment, cheaper monthly rate. Doesn't care about "leaderboard" etc stuff. Q...
by Mako
Thu Jul 23, 2020 6:19 am
Forum: Personal Consumer Issues
Topic: Who's tested for Radon? Who's mitigated?
Replies: 29
Views: 1990

Re: Who's tested for Radon? Who's mitigated?

It’s common everywhere I’ve lived so we’ve always had an inspection while buying. Once it was high, like 16, so the sellers mitigated, it went down to 1ish. Cost was $1-2k. Current house was about 2 during the test so haven’t done anything further. Anytime I’ve rented it’s been an apartment on at le...
by Mako
Wed Jul 22, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: Moving to Baltimore area
Replies: 49
Views: 3834

Re: Moving to Baltimore area

Yeah but the key word is "area". Depending on where in Baltimore city the job is (and I don't think the OP stated that) there are a ton of nice areas outside of Baltimore without huge commutes. commute within 30 mins (Rossville-Essex) area narrows it down ! . Rossville and Essex are both ...
by Mako
Wed Jul 22, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rocket mortgage - any cons?
Replies: 4
Views: 988

Re: Rocket mortgage - any cons?

Rocket was totally uncompetitive when I got quotes previously in 2018 and 2019. These things are often very local so it's hard to say if yours is good and you may be fine, but I'd definitely at least check a few other places if you haven't yet...especially the typical places found on here (see the r...