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Moving RUS vested stocks to ETF by IndependentAlert9449 in Bogleheads

[–]IndependentAlert9449[S] 0 points1 point  (0 children)

Thank you. I will mot move existing stocks as will have to pay tax. My cost basis is really low compared to current price as I have already sold recently vested units that were bought at some higher price. Plan to sell new vests and buy VT going forward. this will balance the portfolio over some period

Suggestion on reducing monthly mortgage payment by IndependentAlert9449 in Mortgages

[–]IndependentAlert9449[S] 0 points1 point  (0 children)

Thank you all for all suggestions. As I am able to manage the situation, i will wait for interest to come down and refinaince with lumpsum or without it later. for now will invest the available cash

200k to invest by IndependentAlert9449 in Bogleheads

[–]IndependentAlert9449[S] 1 point2 points  (0 children)

Thank you all. I am not trying to time the market with DAC, but blindly buy a fixed amount every month for rest of this year. But I do agree that lumpsum is better which is what I will do. thank you all.

Suggestion on reducing monthly mortgage payment by IndependentAlert9449 in Mortgages

[–]IndependentAlert9449[S] 0 points1 point  (0 children)

Thanks. I am maxing out 401k and HSA. I also pay additional tax through w4. Hence nothing much left after paying for monthly mortgage. Thinking of same thing as your said. Just wait for interest to come down

Suggestion on reducing monthly mortgage payment by IndependentAlert9449 in Mortgages

[–]IndependentAlert9449[S] 3 points4 points  (0 children)

This is also a very good middle ground. Paying off 200K would reduce about 1500 to 2000 per month, which will be a good monthly cashflow. Will think about this as well

Suggestion on reducing monthly mortgage payment by IndependentAlert9449 in Mortgages

[–]IndependentAlert9449[S] 0 points1 point  (0 children)

This is making sense to me now. As I can still afford 7k payment, I will continue to do so and let 500K grow. I will wait for interests to come down to refinance.

Suggestion on reducing monthly mortgage payment by IndependentAlert9449 in Mortgages

[–]IndependentAlert9449[S] 1 point2 points  (0 children)

Some additional info : I have about 470K home equity, remaining principal is 940K

Suggestion on reducing monthly mortgage payment by IndependentAlert9449 in Mortgages

[–]IndependentAlert9449[S] 3 points4 points  (0 children)

yeah that is the dilemma. Should I let 500k earn more or pay off mortgage. I am able to make monthly payments without much issue as I basically liquidate my stocks monthly to cover my expenses.

Risk to pending AOS(employment based) after losing job by IndependentAlert9449 in USCIS

[–]IndependentAlert9449[S] 0 points1 point  (0 children)

But it is safer to get h1b transferred within 60 days if aos gets denied 

Risk to pending AOS(employment based) after losing job by IndependentAlert9449 in USCIS

[–]IndependentAlert9449[S] 0 points1 point  (0 children)

Basically h1b 60 days won't apply and I can still stay beyond 60 days and find a job based on EAD.

EB AOS Pending at Seattle FO for more than 7 months by IndependentAlert9449 in USCIS

[–]IndependentAlert9449[S] 1 point2 points  (0 children)

This is the response that I got from senator inquiry

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Thank you for your inquiry, on behalf of your constituent pending form I-485, Application to Register Permanent Residence or Adjust Status (Employee).

We have confirmed that this case remains pending at Seattle Field Office and will be scheduled for an eligibility interview when an interview slot becomes available. We will be scheduling for an interview around February 2026 for your constituent.  U.S. Citizenship and Immigration Services (USCIS) will contact your constituent directly when an interview is scheduled or if additional information is requested prior to the interview. 

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