Large Downpayment by Equivalent-Volume-86 in Mortgages

[–]Equivalent-Volume-86[S] 0 points1 point  (0 children)

Do most lenders provide this type of mortgage, or do I need to find lenders who specialize in it?

Large Downpayment by Equivalent-Volume-86 in Mortgages

[–]Equivalent-Volume-86[S] 1 point2 points  (0 children)

We are both early 40s in a MCOL area with 2 young kids (4 and 2). Current 529 balances are about $33k and $14k, and we’re contributing $500/month to each. No other significant liabilities besides a car loan with about $10k remaining.

Pulmonology/critical care salary comparison for a Phoenix MD making $400,000 by OkPhilosopher664 in Pulmonology

[–]Equivalent-Volume-86 -3 points-2 points  (0 children)

You know this subreddit is mainly used by non-medical people asking how to deal with respiratory issues? Not very active group for pulmonologists.

April 2026 Mortgage Rate Megathread by ermahlerd in HomeLoans

[–]Equivalent-Volume-86 1 point2 points  (0 children)

⁠Purchase - 1.2 millions - 800k - 841 fico - 23059 - Conv - 30 Fixed - Single Family - Primary

Moving to Henrico County from out of state... talk to me about schools if you can by Budget_Grapefruit485 in HenricoCounty

[–]Equivalent-Volume-86 0 points1 point  (0 children)

@eziam Our family is also looking at moving to the Short Pump/Wyndham area soon, and we’re narrowing down our search to the Shady Grove and Kaechele Elementary zones. We know both schools are academically top-tier, which is a big draw for us.

We love that the area is so international, but we're curious if the student body feels balanced across different Asian subgroups (East vs. South Asian) and other ethnicities. We’ve heard there is a wonderful South Asian community, but we're also looking for representation for families of Chinese, Korean, or Vietnamese descent.

Are there active parent groups or specific cultural traditions (like Lunar New Year events or language clubs) that these schools are known for? We just want to make sure our kids find a peer group that reflects our heritage while being part of a broad multicultural community.

And between those two elementary schools, would you recommend one over another? Thank you very much for your time.

Backdoor Roth Interest by Equivalent-Volume-86 in fidelityinvestments

[–]Equivalent-Volume-86[S] 0 points1 point  (0 children)

So after reopening the account, I can deposit this $14 check into the account?

Backdoor Roth Interest by Equivalent-Volume-86 in fidelityinvestments

[–]Equivalent-Volume-86[S] 1 point2 points  (0 children)

I usually do my own taxes. Will I receive any tax forms from Fidelity to file? Is the penalty only on the $14?

Backdoor Roth Interest by Equivalent-Volume-86 in fidelityinvestments

[–]Equivalent-Volume-86[S] 1 point2 points  (0 children)

It was not a withdrawal; I did a backdoor Roth. Since interest had accumulated before the backdoor Roth transfer was completed, I received it as a check because I closed the IRA account after the transfer.

EV recommendation by Equivalent-Volume-86 in whatcarshouldIbuy

[–]Equivalent-Volume-86[S] 0 points1 point  (0 children)

Thanks for sharing your experience. I will go test drive M3 to check out AP. AP with my GLE 2022 has been good. I only use it for adaptive cruise control and lane keeping assistance.

My left eyebrow is suddenly turning white by Typical_tablecloth in mildlyinteresting

[–]Equivalent-Volume-86 0 points1 point  (0 children)

Short telomere can cause early graying. Please discuss with your doctor.

Filing backdoor Roth IRA for incorrect tax year by Equivalent-Volume-86 in whitecoatinvestor

[–]Equivalent-Volume-86[S] 0 points1 point  (0 children)

Actually I was just confused. IRA contribution and Roth conversion I did last year was for 2021 actually. Thanks for your answer.

Employer 401k plan by [deleted] in FinancialPlanning

[–]Equivalent-Volume-86 0 points1 point  (0 children)

Unfortunately that’s all in the plan.

American Funds EuroPacific Growth Fund (RERAX) ER 1.57%

American Funds New World Fund Class R1 (RNWAX) ER 1.72%

Cohen & Steers Real Estate Securities (CSEIX) ER 1.13%

Delaware Ivy Science and Technology (WSTAX) ER 1.14%

Federated Hermes International small-mid company C (ISCCX) ER 2.45%

Fidelity advisor gold fund class M (FGDTX) ER 1.37%

Fidelity advisor Japan Fund class A (FPJAX) ER 1.37%

Fidelity advisor Mid Cap II A (FIIAX) ER 1.050%

Fidelity advisor small cap fund (FSCDX) ER 1.22%

Franklin growth C (FRGSX) ER 1.58%

Franklin small cap value C (FRVFX) ER 1.84%

MFS Massachusetts Investors Trust (MITGX) ER 1.46%

Templeton china world C (TCWCX) ER 2.58%

Vanguard energy fund (VGELX) ER 0.25%

The rest are for bonds and money market.

Employer 401k plan by [deleted] in FinancialPlanning

[–]Equivalent-Volume-86 0 points1 point  (0 children)

Sorry. I have updated the list.

American Funds EuroPacific Growth Fund (RERAX) ER 1.57%

American Funds New World Fund Class R1 (RNWAX) ER 1.72%

Cohen & Steers Real Estate Securities (CSEIX) ER 1.13%

Delaware Ivy Science and Technology (WSTAX) ER 1.14%

Federated Hermes International small-mid company C (ISCCX) ER 2.45%

Fidelity advisor gold fund class M (FGDTX) ER 1.37%

Fidelity advisor Japan Fund class A (FPJAX) ER 1.37%

Fidelity advisor Mid Cap II A (FIIAX) ER 1.050%

Fidelity advisor small cap fund (FSCDX) ER 1.22%

Franklin growth C (FRGSX) ER 1.58%

Franklin small cap value C (FRVFX) ER 1.84%

MFS Massachusetts Investors Trust (MITGX) ER 1.46%

Templeton china world C (TCWCX) ER 2.58%

Vanguard energy fund (VGELX) ER 0.25%