Read your loan terms. While it might have a prepayment penalty, those tend to be pretty rare in the US.

Regardless, just call your lender and ask for a payoff amount. They’ll quote you how much that is, including accrued interest as of that day. Then pay that amount.

Sound like you have a dream job as far as the arrangements go, with a decent if not spectacular pay.

You can find that a new job gives you a 20% raise but the work-life balance sucks.

Since your hubby is making about $160k (judging by your post) I don't think it's worth it, personally.

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No, electronic xfer from a checking account.

I would definitely talk to the insurance company before stressing out too much about this to see exactly what they need.

Why would they share information that could potentially identify them just to satisfy a few moronic redditors that call the most mundane things fake because they never leave their basement.

Got it. Will zip it. Thanks.

And a title that gives no clue as to the video’s content whatsoever.

If they need it then it just slows up the claim processing. Most policies with contestable clauses are a two year look back. If seen claims submitted many different ways. Depending on the company the proof of loss is the main need then it’s a matter of any claims against the policy. Any policy loans, assignment of benefits, child lien, etc.

The state of issue and the face amount drives a lot of the next steps and then of course any contestable review.

Would there be any problems from the Airbnb being in a different city, but same state? My understanding with Washington state is it's much easier for my HR since they don't have state income taxes. So I'm hoping I can just keep the single/consistent ups mailing address until I land on my more permanent address. . Hm that's a good point on the mail forwarding, but I think I'll take the inconvenience of manually updating all the mail addresses on my part as opposed to tracking down all my pieces of mail going to multiple addresses ha

You have no legal grounds to dispute the monthly HOA dues regardless of other ongoing disputes. Do NOT subtract the amount from your monthly payment or your account will become delinquent and eventually sent to collections, where they could eventually foreclose on your home.

Unfortunately, in most cases, your HOA is a couple levels removed from the payment processor. Your HOA is required by law to have a licensed manager, so they outsource that to HOA management companies who employ these licensed managers.

Your HOA is most likely small and has no leverage with these HOA management companies. These companies exist solely to leech off HOA-related fees in exactly this fashion. They won't be changing their business model due to your complaint.

Now, you obviously have ways to avoid the fee such as paper checks and other inconveniences.

You might be able to recover past funds via small claims court with evidence of the inaccurate website.

But if you want to actually eliminate it, your only option is going to be to:

• Find another management company that does not charge the fee (these fees are pretty common in this industry though)
• Get other homeowners on your side and try to fire this current management company

Seriously, it probably took OP longer to write this reddit post than it would have been to send a screenshot with his original complaint letter.

This is a typo, not tyranny.

Don't attribute to malice what could be attributed to stupidity.

The person answering support email probably has no control over the software used to manage the content of the website. The fact they can't find the typo also shows they are kind of dumb and careless at their job.

20 years from retirement ? I'd put most of it in an index fund, or something that closely resembles index.

At my previous job I also had Fidelity, and put everything into Contrafund. It performs pretty much like an index fund, going a little lower in recession, but a little higher in good years. Worked out well for me - as long as I was ready to dismiss it dropping down in recession.

Now that I am about 10 years away from when I'd like to sort of semi-retire, I have turned to a more conservative plan. But Contrafund made me a lot of money over the years.

Move in with a friend then.

So you pay by cash or check right?

HOA's are such trash. I've lived in 3 places with them and they either wholely suck and are against you, or they don't do shit and you wonder what the fuck you're paying for. First place I stayed I was confronted multiple times for the "smell" in my garage (I was working on my car and the smells were gone in hours). My current place, the neighbors leave their trash cans out all week, park in front of their garage (we have a shared alley as our 'front door' very confusing), let there kids scream outside and throw rocks from our porch and they're well know as "that" neighbor on our block. HOA doesn't say shit

Mostly just marketing tools. They matter if you are trying to get to a perfect score, but any score above 760 is already considered perfect by pretty much any lender, so it really doesn't matter.

Get it fixed but while you're doing that do try and remember that this could have just been an oversight. HoAs are often just a collection of people from the neighborhood. It may be very easy to fix if you come in with that mindset instead of assuming malice.

Everyone has heard the terrible HoA stories. But just assuming you're in one would be a mistake.

Thank you for the kind words, we don't have access to any of her financial records. Right now it's all being held by her father, who is refusing to help us, and truth be told -- he barely makes sense anymore so he probably wouldn't be too much help.

The only reason we know about this insurance is the fact her aunt stuck around to help clean up the property and found the insurance policy that lists my spouse as the beneficiary -- otherwise we wouldn't of known this policy exists.

Yes

Which mail provider do you use? if you don't mind me asking that is.

Do they use "Suite" or just "PMB"? I read some people put "APT", but I like your idea of just using #105

Out of sight, out of mind is a powerful force :)

Thank you for the kind words

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