A good rule of thumb also is 1% annually for maintenance around the house. In the rental scenario you'll pay at most $1700/mo

If you won, your MINIMUM payment is $2100/mo. And then you have maintenance. Need a new roof? 10-30k depending on pitch and size. Need to replace your HVAC? Got a plumbing issue? need sewer line replaced etc?

We bought our house and we have some large costs coming up, replace roof in next 5yrs (estimating $30k very steep pitch), our sewer line needs replacement (quoted $20-25k). We bought in summer, moved in Sept, HVAC broke before winter and had to replace immediately ($5k). Came back from vacation once, found someone had driven into our brick garage (luckily fix was only $2k)

Goverment might bring some new tax rates in this particular slab, to increase the funding.

Talked (and created multiple tickets) to them multiple times. Extremely unhelpful

No one can predict what the changes would be.

More importantly, you should be giving consideration to the following:

What state is this happening in?

If you haven't already seen a copy of the trust, you should ask your mother to let you see a copy of it. That is your right as a beneficiary. You also have the right to annual accounting statements from the trust, but your request to your mother should be in writing or have your trust attorney make the request for you.

Ask your mother who the successor trustee is, if something unexpected (death or severe illness or mental incapacity) happened to her.

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You have a yr to try it out. Put it for rent, see how hard or easy it is, while living with your friend for a bit (or even rent an apartment).

Do you make enough to have two mortgages? No.

Do you make enough to have two mortgages while having a steady reliable rental supplement income? Potentially yes but it is risky to you.

Do you make enough if one of you is jobless? Flat out no, TOO much risk then. You need to be dual income or one late rent payment and you are done, on both houses. Neither of you make enough solo.

If the rent really is 2k and your mortgage is 1k, it is a no brainer for keeping the single mortgage tho. Assuming that your renter demand is steady, and you aren’t in a bubble.

They said that the delivery date was changed as "some information was not saved at PODS end". All of this was after the first POD was delivered.

I have created multiple tickets at PODS end but till date neither has PODS called me nor has any action been taken on any of the mentioned issues.

I have added credit card transaction links in the post above.

I have always used UPS as their range of services is convenient.

Mortgage, taxes, and insurance are about $1400. So rent would give you $600 to $1000. That's best case assuming no vacancies, nothing breaks, and not factoring in the cost of you or your family's time to manage the place.

Or you could sell, and get $80-100k. Even in a CD or bank account that would get you $300-$400 a month in interest. If you invested, it would potentially earn you more.

> it's hard to fathom that a private school is providing adequate value for the cost difference.

Agreed. I'd rather my kids attend the best in-state public university, assuming they can get in, rather than pay significantly more for them to attend a private university. A private university that offers significant merit scholarship would be fine, but I'd look at what is required to keep those scholarships.

I have young kids, and I expect college costs may change a lot over the next 15+ years. I'm hoping public universities will do more to control costs and limit tuition increases, or more states may roll out Bright Futures style programs that cover some or all of the cost of tuition at public universities. I'm therefore going to hold off on sinking a ton of money into 529s until my kids are older and I know more about what their college costs might be.

I would also be curious about the interest rate on the loan and the number of months for the financing?

Thank you

Thank you

I will take a look at all of these links. Thank you for such an in-depth reply

So the principle balance on the loan is $19k now? What’s the value of the vehicle if you were to sell it?

I assume since you said you’d ‘still owe a few thousand’ that this means you have negative equity. If you were to sell the car (either to dealer or private), you’d have to come up with that ‘few thousand’ difference somehow.

If you trade it for a cheaper car, there’s a chance you could roll a bit of negative equity into the new loan, but that is not advisable. Tends to snowball quickly for people with a habit of doing that.

Makes sense. I don't think it would be considered earned income so it wouldn't be allowed as an IRA contribution.

Get a trust setup and declare your wishes. You can appoint a professional executor to implement it.

I'm sorry that you are in this spot, it sucks and candidly the options aren't great. But it also isn't the end of the world! Will your situation be resolved completely once the car is gone? I think you owe yourself an honest look at your total financial picture so you can address any other issues and be able to rebuild in a healthy manner moving forward.

The stock is probably going to be worthless, so don't consider this a huge loss.

That said, my company did a layoff and I'm 99% sure they accelerated option vesting for those affected.

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Your best option is to sell your vehicle, if it is worth more than you still owe on the loan.

If you owe more than the vehicle is worth, then you'll need to pay the difference in order to sell the vehicle. For example, if the vehicle is worth $20k, but your loan is for $22k, you'll need to come up with the $2k difference at the time you sell the vehicle in order to walk away with nothing.

If you stop paying and the vehicle is repossessed, you still owe the total loan balance, less whatever the vehicle sells for at auction. In this case, your vehicle might sell for $17k at auction, so you'd owe $22k less $17k plus some amount of fees related to the repo, so perhaps $6k total that would go to collections. This is your worst option.

Consult your estate lawyer to get necessary paperwork in order. You may also want to contact the intended receiver. They may have a foundation or conservatorship that is in place to assist in the process. Many charities and religious groups have it streamlined to a science.

Estate planning attorney. Monday morning.

HSUS Charitable Giving

1. Won't generally care
2. Usually they give you a check that you write and mail to the old credit card, but some can do it online now.
3. Same as any new credit card: hard inquiry plus lowers average age of account. Also will increase your utilization while you have the credit card balance.
4. Usually there is a fee for doing a balance transfer. How much is this ones? Also, you will still have to make minimum payments on the card even while at 0%APR

>I paid a large amount to have two pods delivered to me to Washington(from Texas), based on the start of my house lease in Washington. PODS however changed the delivery date to a week later, after one of the two pods was delivered. > >They then changed the delivery time in Washington, from early morning to late in the evening. I therefore had to cancel the movers(to unload the items from the PODS) and then reschedule them again, at a much higher price. I raised a Credit card dispute with Fidelity, send all the PODS issue tracking numbers etc but it was declined as "there was discrepancy between what I said the first time and what I send the second time(I asked them to explain further but they declined)" > >Fast forward to 3 months, I see new charges on my credit card account from PODS. These charges are processed and then quickly reversed. Credit card company says that I need to talk to PODS(the best that they can do is send me a new credit card) and PODS says that they have not made the credit card transaction. > >Is there anything I can do here? I would really like to get to the bottom of this.

You need to talk to PODS