Search found 60 matches

by akhilsam
Fri Jan 17, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Closing cost review
Replies: 14
Views: 1350

Re: Closing cost review

CoastalWinds wrote:
Thu Jan 16, 2020 11:50 pm
What is the transfer fee? Never seen that line before.
Anybody from Virginia can you please elaborate what is Transfer fee?

Thank you!
by akhilsam
Thu Jan 16, 2020 10:25 pm
Forum: Personal Consumer Issues
Topic: Closing cost review
Replies: 14
Views: 1350

Re: Closing cost review

All, In Fairfax county (Northern VA).Can you please review my closing cost. I think Owner's Title insurance is optional. Any thoughts in skipping it? Or any other fee which does not seem genuine? Home cost is about 665K, conventional,30 year loan. Thank in advance for your input! Image: https://img...
by akhilsam
Thu Jan 16, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Closing cost review
Replies: 14
Views: 1350

Re: Closing cost review

LOL! Got it :)

Any other inputs on costs ?
Thank you!
by akhilsam
Thu Jan 16, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Closing cost review
Replies: 14
Views: 1350

Re: Closing cost review

Thanks! Yes- paying 25% down.
What do you mean by " leaves you hanging." :) ?
by akhilsam
Thu Jan 16, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Closing cost review
Replies: 14
Views: 1350

Closing cost review

All, In Fairfax county (Northern VA).Can you please review my closing cost. I think Owner's Title insurance is optional. Any thoughts in skipping it? Or any other fee which does not seem genuine? Home cost is about 665K, conventional,30 year loan. Thank in advance for your input! Image: https://imgu...
by akhilsam
Thu Dec 26, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: San Juan-Puerto Rico in July Long weekend
Replies: 7
Views: 265

Re: San Juan-Puerto Rico in July Long weekend

All, I wanted to ask if going to San Juan-Puerto Rico in July Long weekend is a bad idea? The reason is we don't want to take school days off for kids 9 and 11 (already took some this year). When I google it says April to June is best time. We don't mind 80+ temp. Also I have some questions: 1) Is ...
by akhilsam
Thu Dec 26, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: San Juan-Puerto Rico in July Long weekend
Replies: 7
Views: 265

Re: San Juan-Puerto Rico in July Long weekend

Old San Juan is a fun time for the family. It will be hot, dress accordingly and pack sunscreen. Castillo San Felipe del Morro and Castillo de San Cristóbal are both worth visiting. There will be available shade to cool off at both locations. We walked between them, but you could take public transp...
by akhilsam
Thu Dec 26, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: San Juan-Puerto Rico in July Long weekend
Replies: 7
Views: 265

San Juan-Puerto Rico in July Long weekend

All, I wanted to ask if going to San Juan-Puerto Rico in July Long weekend is a bad idea? The reason is we don't want to take school days off for kids 9 and 11 (already took some this year). When I google it says April to June is best time. We don't mind 80+ temp. Also I have some questions: 1) Is S...
by akhilsam
Sat Nov 16, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Railing Vs Room on living area for Old Parents
Replies: 18
Views: 1141

Re: Railing Vs Room on living area for Old Parents

Thanks all! Sorry for the incorrect word - Chair lift I was referring too :)

Thank you!
by akhilsam
Sat Nov 16, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Railing Vs Room on living area for Old Parents
Replies: 18
Views: 1141

Railing Vs Room on living area for Old Parents

All, My 74 year father and mother will be living with me and I am looking for a bigger home as well. Bigger home are obviously expensive in Northern VA. I was looking one room and one full washroom on main level for my parents ease. However it limits our home options in already low inventory market....
by akhilsam
Mon Oct 28, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Roadtrip & Space Camp Huntsville
Replies: 10
Views: 1073

Re: Roadtrip & Space Camp Huntsville

Wow, this sure brings up some happy memories. We've done exactly this trip. We went from Northern Virginia to Huntsville via I-81. On the way back, we drove to Atlanta, GA, then returned to Northern Virginia by coming up I-95 through South Carolina and North Carolina. The drive down I-81 feels more...
by akhilsam
Mon Oct 28, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Roadtrip & Space Camp Huntsville
Replies: 10
Views: 1073

Re: Roadtrip & Space Camp Huntsville

Google Maps shows 10+ hours from the DC area to Huntsville via the most direct route (I-81). Are you planning to do it in a single day? If so, you won't have time to do anything en route except to stop for lunch and potty breaks. And IMHO I-81 through VA and TN is pure hell, chock full of trucks. I...
by akhilsam
Sat Oct 26, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Roadtrip & Space Camp Huntsville
Replies: 10
Views: 1073

Roadtrip & Space Camp Huntsville

Gurus, I know it might be bit early but I want to ensure camp is not sold out for my 9 year 11 year old sons next summer (2020). We will be driving from Northern VA to Huntsville. When kids are in camp we plan to spend 5 days in nearby areas. Also while coming back to we plan to spend a couple night...
by akhilsam
Mon Sep 16, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 35
Views: 3116

Re: Grand Canyon and More In October

All,

I am not able to get Antlope Canyon tickets form Navojo(Sold Out) for $40 for October Mid.
Other places like Tours4fun.com are offering for $69 per adult?

are there any better options?

Thank you!
by akhilsam
Mon Sep 09, 2019 10:05 am
Forum: Personal Investments
Topic: Business Savings
Replies: 5
Views: 568

Re: Business Savings

Thank you all!

I found Fidelity offers Business account and money can be parked to Govt Money Market.
So it seems less risky and more interest rate than Fixed deposit and relatively liquid than Fixed deposit.
Current yield is ~1.75%

Am I missing somehting?
Thank you!
by akhilsam
Sat Sep 07, 2019 12:48 pm
Forum: Personal Investments
Topic: Business Savings
Replies: 5
Views: 568

Business Savings

Bogleheads, I have about 100K in the business account which should stay in Business Account only due to few things in process. I won't need it for a year at least. Any suggestions on where to get some interest. Money market or Mutual funds: what will be the pros and cons? Appreciate input! Thank you!
by akhilsam
Tue Jul 16, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 35
Views: 3116

Re: Grand Canyon and More In October

Thank you all for the suggestions!
Do I need to make any reservations besides Car and Lodging :) ?
by akhilsam
Fri Jul 12, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 35
Views: 3116

Re: Grand Canyon and More In October

Thank you again!

Any spl. car needs for Death Valley or any other parks?
by akhilsam
Fri Jul 12, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 35
Views: 3116

Re: Grand Canyon and More In October

Some thoughts: -I'd suggest spending part of a day and one night in Sedona----the pink Jeep rides are always fun there. LOTS of good places to dine and stay in Sedona! -The last time (out of a half a dozen previous trips) at/to Grand Canyon (south side), we stayed at the Grand Hotel in Tusayan; not...
by akhilsam
Fri Jul 12, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 35
Views: 3116

Grand Canyon and More In October

Hi All, I am flying to Phoenix and driving to Las Vegas for 8 nights in October with 8 year old and 11 year old boys and my wife. We will rent car from Phoenix and drop in Vagas( I understand charges :) ). Must do in our list is Grand Canyon and Death Valley. Vegas we don't care (have seen in pat) e...
by akhilsam
Mon Jul 01, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Bahamas Cruise in July
Replies: 13
Views: 1237

Re: Bahamas Cruise in July

On another note - Is Seaworld Orlando has some fun for elders? I know there are some shows, Kids will love the rides as well. But is Seaworld a good idea for elder too ? Thank you! July in Orlando is also extremely hot and humid. And crowded. Regarding Sea World, I have not visited the one in Orlan...
by akhilsam
Mon Jul 01, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Bahamas Cruise in July
Replies: 13
Views: 1237

Re: Bahamas Cruise in July

On another note -
Is Seaworld Orlando has some fun for elders? I know there are some shows,
Kids will love the rides as well. But is Seaworld a good idea for elder too ?
Thank you!
by akhilsam
Mon Jul 01, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: Bahamas Cruise in July
Replies: 13
Views: 1237

Re: Bahamas Cruise in July

Thank you very much all! Lots of good info- love bogleheads!
I will let go this cruise decision.

Thanks again!!
by akhilsam
Sun Jun 30, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Bahamas Cruise in July
Replies: 13
Views: 1237

Bahamas Cruise in July

All,

I was looking short cruise in July from Florida (2 nights only) with my parents and kids.
Only option I found is https://www.bahamasparadisecruise.com/
Any ideas of how they are?

Are the most ships wheelchair friendly (my mother can walk but a little bit).
Appreciate any other sites or input!
by akhilsam
Fri Jun 21, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon/Death Valley in October
Replies: 17
Views: 1332

Re: Grand Canyon/Death Valley in October

I bought I would like Hoover Dam more than I did. It’s big, but it wasn’t really all that interesting after the first 5 minutes. Which surprised me. I usually like those engineering marvel things. You don't say whether you did the tour of the generating station. Personally I quite liked the Hoover ...
by akhilsam
Fri Jun 21, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon/Death Valley in October
Replies: 17
Views: 1332

Grand Canyon/Death Valley in October

Hi All,

I have about 5 days in October beginning. Is it good idea to cover Grand Canyon/Hoover Dam /Death Valley?
Flight could be Vegas but won't be actually doing anything in Vegas.
2 Adult and 2 Kids(11 and 8)

Any suggestions /recommendations?

Thank you in advance!
by akhilsam
Fri Jun 21, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Vegas - Any Kid friendly inexpensive shows ?
Replies: 17
Views: 2018

Re: Vegas - Any Kid friendly in-expesive shows ?

https://www.treasureisland.com/shows/2/ ... -du-soleil

I got for $55 directly from hotel and was kids friendly!
by akhilsam
Sat May 04, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 2012

Re: Denver in August

Thank you all for so many wonderful recommendations!
Let me do my maths :) !
by akhilsam
Sat May 04, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 2012

Denver in August

Hi All,

I have about 8 nights avl. to travel with 2 boys(10 & 8) an and wife.
What can be covered in terms of National Parks - I mean circular trip starting form Denver and ending there.
Besides National Parks other suggestions are welcome too.

Appreciate feedback!
by akhilsam
Thu May 02, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3610

Birthday party- No gifts

When someone invites in a not too formal B'day part for kids and mentions "No gifts please".
Is it a good idea to give a gift or it may hurt some other guests who did not bring anything?
Thoughts?
by akhilsam
Mon Mar 25, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 49
Views: 6659

Re: Family vacationing

[/quote] Hi Akhilsam. We departed from our home in the Denver, Colorado home. You could fly into Denver and do this trip easily. However, you'd either need to check a couple of large suitcases with camping gear, or buy some cheapish gear at Walmart when you arrive. PM me is you need any more details...
by akhilsam
Sun Mar 24, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 49
Views: 6659

Re: Family vacationing

I second the national parks trip. I'm not sure which state you are traveling from but these are a few trips we've done very reasonably (car camping). Arches>Canyon Lands>Capitol Reef>Bryce>Zion>Grand Canyon>Mesa Verde (Camping, one night hotel in Capitol Reef). Very inexpensive. Excellent memories....
by akhilsam
Tue Feb 19, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paying 100K+ twards Mortgage
Replies: 6
Views: 1345

Paying 100K+ twards Mortgage

Bogleheads,

I plan to pay to pay 100K plus towards Mortgage(about 40% of remaining)
I wanted to know what is the best way? I mean just transfer online or pay by check?

Does it lower down my monthly installment?
Do I need to double check my home insurance is good?
Any other suggestions?

Thank you!!
by akhilsam
Tue Feb 05, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

2) I called Vanguard and they did the non-deductible IRA and they converted immediately for me. There was no wait. I didn’t want to deal with even 1cent difference. I did this many years. I guess I got few cents before I move the money from TIRA! Is it a concern? Should I move without the cents now...
by akhilsam
Tue Feb 05, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

2) I called Vanguard and they did the non-deductible IRA and they converted immediately for me. There was no wait. I didn’t want to deal with even 1cent difference. I did this many years. I guess I got few cents before I move the money from TIRA! Is it a concern? Should I move without the cents now...
by akhilsam
Fri Feb 01, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

One 8606 per person for 2018 (reflecting your basis) and separate one per person for 2019 (reflecting prior year basis, addl non-deductible conversion, and the conversion of both amounts). Four total. Remember not to do anything later in the year that will create a new traditional IRA balance, like...
by akhilsam
Fri Feb 01, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

Thanks for the heads up! So I moved all TIRA to my 401k. NO more traditional IRA Opened TIRA new account with Same Company where my Roth is (and 401K) Deposited 5500 for 2018 and 6000 for 2019 TIRA. So now I just move all TIRA to Roth and file "One" 8606 for 2018 and 2019, correct? and "Another" 860...
by akhilsam
Mon Jan 14, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 2991

Re: Cancun in January

Thank you all for the inputs!
by akhilsam
Fri Jan 11, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 2991

Re: Cancun in January

Quintana Roo State is under a Level 2 Travel Advisory (Exercise Increased Caution), reflecting a notable level of criminal activity and violence in which bystanders in tourist and other areas may become collateral damage even if not targeted specifically. It would be prudent to be fully and current...
by akhilsam
Thu Jan 03, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 90
Views: 11851

Re: Living Abroad - Who's done it?

Freefun wrote:
Wed Jun 13, 2018 1:48 pm
If I decide I don't like it I can always move back. I'd rather try something and not like it, than regret not giving it a go.
Best quote ever!!
by akhilsam
Fri Dec 28, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2518

Re: Tips to Save without hassle

Good suggestions! Thank you all.
by akhilsam
Thu Dec 27, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2518

Tips to Save without hassle

Bogleheads, Recently I was shocked when I saw my annual expenses. I thought I was spending only 60% fo what I actually was. Although I have 401K Maxed, enough cash, 529s full, HSA full still I feel spending was way to high. So without counting pennies what techniques do you follow to ensure you do n...
by akhilsam
Wed Dec 26, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

Rolling over your current pre-tax traditional IRA assets to a 401k has no effect on IRA contributions. This is true of any rollovers. There is no dependency on the year traditional IRA contributions are for and the year of any Roth conversion. As I already stated, you can make both your 2018 (by 4/...
by akhilsam
Wed Dec 26, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

Yes, you have until 4/15/19 (4/17/19 MA/ME) to make your non-deductible traditional IRA contribution. If the IRA -> 401k rollover is not complete and 100% verified by 12/31/18 do NOT do a Roth conversion even if you complete the 2018 contribution by 12/31/18. There is no real benefit to completing ...
by akhilsam
Wed Dec 26, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

Thank you very much! appreciate it.
by akhilsam
Tue Dec 25, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

One quick clarification again... tIRA to 401K conversion is in progress.My question is if it does not complete by year end , will I be able to make non deductible Traditional contribution for this year( i understand generally deadline for 2018 will be befroe April 15 though). And I would also like t...
by akhilsam
Tue Dec 25, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion question
Replies: 39
Views: 2290

Re: Backdoor Roth Conversion question

One quick clarification again... tIRA to 401K conversion is in progress.My question is if it does not complete by year end , will I be able to make non deductible Traditional contribution for this year( i understand generally deadline for 2018 will be befroe April 15 though). And I would also like t...
by akhilsam
Thu Dec 13, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 153
Views: 12183

Re: Robinhood 3%Checking

I would hate to waste time like Consumer Credit Rewards checking..
You need to do many transactions, open credit card etc. and eventually they brought down upper limit from 20,000 $ to 10000.
Hoping it's a straight forward checking/savings...
by akhilsam
Thu Dec 13, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 153
Views: 12183

Robinhood 3%Checking

[Thread merged into here, see below (next page). --admin LadyGeek]

Roninhood just launched 3% checking and saving!
Any catches?

https://checking.robinhood.com/