become the president of the HOA, Dissolve the HOA..

That is my decision also.... Thanks

Do you have access to a employer 401k, 403b, Roth 401k. You may be missing out on free money.

Raise the PRICE not keep the price the same then confuse it with add on fees

He can max out his 401(k) AND ( not or) an IRA, AND she can max her own IRA, also known as a spousal IRA, for a total of $12,000 in combined IRA contributions.

Also, she would not be automatically entitled to half of his 401k earnings in a divorce. I’ve noticed you are giving advice that is incorrect, more than once. Please consider deleting or editing your comments, they could negatively impact others, and perpetuate poor understanding of personal finance.

>focus mostly on expenses, diversification and asset allocation

Thank you! This was especially helpful for my brain to comprehend.

WF is horrible. I had my business banking with them and they were very difficult to work with. I vowed to never do business with them again.

Last year 1.5% and 1.8% was good. It obviously isn’t now. That’s the chance you take.

You can generally terminate early if willing to forfeit a few months interest. Figure out what the cancellation penalty is and if cancelling makes sense.

Totally a solution.

NOT paying AT ALL would make you late. Disputing a misrepresented / unauthorized charge is totally legit. See you in small claims court is totally ok here.

What are they gonna allege? You’re late because…they said they’d charge you X and actually charged you X + Y?? Since it was FRAUD, no judge is gonna side with them.

Most HOA meetings have an open forum at the beginning if any stakeholders are present. Just go to the next meeting, don't be bashful.

I have done this in several states without any problems.

Large ticket items like rent and (especially) condo/hoa fees you want 100% off the funds to flow through to the budget.

I encourage you to participate in your board. You'll get a sense of the ramifications of 3% haircut off the budget.

Commercial stores and such have higher profit margins (and batching deals with the cc processors) such that they pay less in fees and have more "room" to eat the cost as a way of getting you in the door.

Attend meetings in general if you have a problem with what they’re doing. So many people willingly buy in HOA areas, don’t attend meetings, then wonder why nothing changes.

Paying their employees should be included in the cost of doing business but theyve outsourced labor wages to the customers as a charitable donation line on the bill. Its pretty fucking sick IMO

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It’d probably be okay, although I think I’d leave your employment address at your brother’s for now. Mail doing that shouldn’t be more than one W-2 a year, if that (many deliver electronically now).

My asset allocation already takes the bad years into account, and rebalancing helps me make the most of them.

Shocked face on the right, icon or image that hints at the topic of the video on the left with a BFA pointing

> Convenience fees are usually a percentage not a flat fee. So someone probably screwed up the website.

All the bill pay services I've used that charge a fee have a percentage for credit card payments and a fixed fee for eCheck.

Many of the local chain restaurants are switching to forcing customers pay this fee. You would think they would benefit more to not have to deal with handling cash to make up for this. I think they can start to get away with it because we are at the tipping point where people do not carry cash much anymore.

It’s always worth ousting the current board and taking over the running of the HOA yourself so you can be the target of everyone’s complaints.

Unless there’s egregious neglect or mismanagement the main thing to do is to be glad some other fool is doing the tedious and thankless work of running the HOA, (or the sports club, or whatever org you are part of with a volunteer, unpaid board.)

...are you under the impression that restaurants don't raise their prices when food costs increase?

The new 529 rules can still benefit you because up to $35,000 can be converted to a roth account if the 529 has been opened with you as the beneficiary for 15 years. So it is worth looking into.

Depends too what the goal is and if it is for retirement or just to learn how to trade single stocks or learning your greeks to options trade. If that’s the goal then I’d recommend the think or swim app by TD Ameritrade and start with paper trading which is playing around with fake money to learn by trial and error.

Yes, the HOA would come after you if you were giving them less than the stated fee and would probably charge you a late fee on top of it.

The address on record at your employer doesn't affect your actual tax liability. It just makes settings up tax withholding easier if they have a zip code to enter their payroll system. If the mailbox is in the same place as where you live, it should be fine.