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The last $200 is probably counted as post-tax contribution.

Mandatory fees not disclosed in the lease are an open and shut small claims court case in all 50 states in the US, with the property management company themselves paying your filing costs in addition to the amount they’ve illegally charged in fees (with some states tacking on additional punitive damages for good measure).

That said they’re allowed to charge fees for various “convenient” forms of payment. Mailed or hand-delivered cash or check are always fee-free unless otherwise specified in the lease (and fee-free regardless of what the lease says in most states which require at least one fee-free option to pay rent).

Thanks. I think she needs to try some more of our local banks for a loan before we resort to that, but this is the experience I was looking for. How did this ordeal affect your credit, if you don’t mind me asking?

> the main thing to do is to be glad some other fool is doing the tedious and thankless work of running the HOA

Yeah I'm sure they're doing it out of the goodness of their heart and not because they benefit in any way.

Ah yeah, I missed the last where it was ACH. Disregard.

Aren’t they going to fine you for shit like keeping your garage doors open for too long and not bringing in trashcans fast enough when you are at the hospital with childbirth?

Hell ya, I would send them a bill.

What an odd thing to say about someone you don’t know

Thanks. I will be the executor, was just hoping there was a way to speed up or simplify the process. I appreciate your response

VTI has an expense ratio of 3 bps, while VTSAX has an expense ratio of 4 bps. So you would be paying slightly more for the exact same fund. But the different is negligible, so the bigger question is whether you would prefer to invest in an ETF or a mutual fund.

He's saying you should start paying by check. If they're going to charge $50 for making it easier to pay, then use checks and make them have to drive to the bank or have to scan and submit each check.

This is for "echeck" which is ACH, a free service. Echecks commonly have a fixed fee because the processor doesn't charge based upon the amount.

The beneficiary and next of kin are two different things and don't have to be the same person.

TBH, a lawyer is well worth it in this situation. They will sort all of this out for you, deal with creditors, discover all her bank accounts, who she owes money to, file her taxes (that will have to be done), etc. My brother is a lawyer, and when my father died, we still hired a lawyer, if that tells you anything. And my father only had a total net worth of maybe $50K when he died, not some complicated estate. The lawyer was worth his weight in gold. It will probably cost less than you think and will be paid by the estate. Ours ended up saving us more money than we paid to him. For example, her funeral expenses can be paid by the estate instead of by you. My grandmother was still alive when my dad died, which made her next of kin, not us. That ended up saving us a bunch of money on taxes, since my grandmother was in her 90s with no income.

The website is not the Document of Record. You’ll have to check the HOA documents that you signed when you purchased your property to see what they say, then you’ll have to check any documents signed by the board that may be hosted on your HOAs website, and then if you find nothing about it there the website could be considered the document of record.

I bet whoever is authoring the website just mistyped something so work with them to get it updated.

Keep in mind that the people running HOAs are usually older retirees who aren’t tech savvy. Having a website at all is a big thing to them.

Yes, or just call someone on the board right now.

Thing is, it is probably a typo. They'll just change the website from $ to %.

I'm not sure there is a leg to stand on legally in recouping any money. It may be stated as a percentage elsewhere, or on the contracts, in the covenants, etc. The fact that you paid it several times may indicate an agreement to that cost.

Couple comments, $7 (or 3$) seems ridiculous to be charged to pay a bill. There should be a better way to pay it.

On "Crappy HOA", all financial statements are available, and you can probably download them all right now from their website. The fact is, there are costs involved living in a neighborhood. Much of mandated by law. You need a reserve fund, you need insurance, you need to maintain property. It's pretty much unanimous that everyone complains about HOA costs, but for most of them, they are as bare bones as legally possible.

Don’t pay the HOA what are they gonna do send a mob of old ladies to your door?

It really depends. If it's a condo or townhouse with shared walls and roof then that's about average.

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I have also considered this. Honestly I'm not really sure what the difference is between the UPS mailbox (used a street address) and some of the smaller companies nearby that rent mailboxes (with their street address).

It seems like the same thing, but just different costs.

My other concern is I don't know if my work will have any issue with that address showing a mailing facility on Google maps as opposed to a residence/apartment. I highly doubt they would look though and I'm not really sure if that plays a factor at all.

I can't tell if you're serious or sarcastic.

You may find these links helpful:

• 401(k) Fund Selection Guide
• 401(k) FAQs
• "How to handle $"

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If a business doesn’t list it separately, it’s already being factored in to the price

Yep, this is what I did when renting a place that charged a fee for ACH.

I like Marcus by Goldman Sachs! It’s incredibly easy to set up a HYSA, no minimum, no fees. I tell my family and friends to set out up if you have a chunk of change in your savings account.

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