Not necessarily silly for the short run. With a purchase, he's going to be paying $3,600/yr more a month plus any upkeep on the house. His mortgage payment will only be contributing about $2,500/yr to principal.

A year renting might be a good short term solution to ensure job security and the area they want to live in. Plus, it gets them out of the house quicker.

have you considered a post office box at a location that allows the use of their street address?

You borrow $10k from your 401k and what exactly do you believe occurs?

$10k is subtracted from your pre-tax dollar 401k balance and $10k in post-tax dollars get deposited in your bank account. Pre-tax dollars have been converted to post-tax dollars without a taxable event occurring (assuming the loan is paid back in full and doesn't become an early distribution).

You repay that loan with an equal $10k amount of post-tax dollars plus interest.

No double taxation on the principal because you received post-tax dollars and repaid post-tax dollars.

HYSA will do. I use AmEx and get 3.30%

Or even still, be friends with the board and be vocal in the meetings to push your issue along. You dont have to be on the board to get things passed, especially if other people in your community feel the same way.

Super helpful add on. Thank you! Makes a ton of sense when I read it but definitely didn’t cross my mind before.

Preferably I would like to leave it as his address, but I started getting things over the holidays letters, gifts, benefits, insurance, etc...all work/benefit related and it did pile up a bit. So I understand where he's coming from with his irritation and I frankly don't want there to be any negative association from this. I am already thankful he let use the address in the first place.

It sounds like from the gernal consensus of the responses changing to my UPS mailbox should be fine. This will also make managing my mail A LOT easier as I am going through temporary short term Airbnb's.

You should attend the meetings anyway, but it doesn't seem necessary for this. Screenshot your evidence and send it to them in an email with a request for the refund.

Vti is us market including s&p 500 companies and is a good choice. Either way, voo or vti, you only need one of them

Those are discount airlines that offer you a low fare. If you're traveling with no luggage, it's a good deal. If you fly other airlines, some of those fees are included. Often when you do the math on the cheap fare plus bags and carryon fees, you pay the same or more than booking with the other airlines. It's their business model.

Sorry for the miscommunication, and thank you for the kind words. We have been grieving and taking it one step at a time, she died in November.

We have plenty of copies of the death certificate, the funeral home is already paid and services are already planned. It's just wrapping up all the legalities we're struggling with.

That’s where the city can step in for extreme situations which is what you listed

A 100+ HOA fee is going to discourage buyers and cause a decrease in value.

The city has actually contacted me cause one of my palms branches decided to cross the side walk.

I hardly ever see people mention this one, but I’ve been very happy with Lending Club. It’s currently at 3.6%

Nothing that isn't predatory, and you can't borrow your way out of debt anyway.

I live in Northern NJ. My brother in semi-rural Michigan bought a house a while back and my wife was like, “Why didn’t he just rent a nice place. Seems more suitable for his lifestyle.”
I had to explain that in much of the middle of the country you simply cannot “rent a nice place”. Almost everyone owns their homes, even in trailer parks. And rentals are almost all low-quality homes for low-income folks to rent out of necessity.
Based on your initial post I’d say to go for it with the higher-priced place. It’s at the tippy-top of your budget but as a new build there’s a good chance it won’t need major maintenance (roof, AC, etc) for a while. Though I wouldn’t count on “just refinancing when rates go down”. There’s no telling if and when that will happen.

And just one word of warning: that cap also effectively applies when you go to take social security as well. So instead of the replacement rate being based off your actual income, it will be based off of the capped income. This means that to maintain a similar lifestyle in retirement you may need to increase your retirement contributions.

There is zero chance they will rent the apartment to you. Maybe if you have a roommate lined up, even then it seems very expensive for your income.

Fighting no, correcting, yes! Expectations of honesty are important!

On that, if money was being improperly used, errors like this often reveal this

Do you currently have other sources of income? Do you have other retirement accounts? What do you want to do with this money?

There's a lot of details in a decision like this one.

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Guarantee you they’re getting someone to rewrite the page as we speak to say 3.25% instead lol

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We called the insurance company and they mailed us the claim of death form. What's the worst that would happen if we only list the information we know instead of going through all the medical/banking records? Some of which we won't even have access too (banking) since her father is refusing to help us.

Restaurants don’t itemize it as a food cost recovery fee — they just raise their prices sometimes to compensate. All costs of doing business are ultimately paid for by customers.

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