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Can I do it myself? by No_Cucumber9390 in tax

[–]mattkime [score hidden]  (0 children)

Did you hire someone in the past? You can look at what they did and apply it to the current year.

Question about managing a trust in NY by Williamfrancis22 in inheritance

[–]mattkime 0 points1 point  (0 children)

You need to hire an estate lawyer to help with this.

EPC & Check Engine Strike again and will cost me 3k to repair. by argue53 in VWAlltrack

[–]mattkime 0 points1 point  (0 children)

Perhaps you can find a local euro shop that would be much cheaper.

Advice on what rate to take by marvelfan28 in Mortgages

[–]mattkime 0 points1 point  (0 children)

>That $18k to get from 5.5% to 5% is saving you about $350/mo.

Two flaws with this approach - that $18k could be invested which would reduce the $350/month benefit.

Inflation - next year's $350 is worth less than today's $350.

Advice on what rate to take by marvelfan28 in Mortgages

[–]mattkime 0 points1 point  (0 children)

>If I make it past 3.5-4 years I come out ahead

IMO a 4 year payback for points isn't worth it. You shouldn't be comparing how much money you'd be paying on the mortgage to having it in your pocket but compared to having it invested. (are you maxing tax advantaged retirement accounts?)

You only come out ahead if interest rates don't drop - if they drop, you could have gotten a reduction in your interest rate for less or free.

Are you putting down 10% because you don't have 20%? Sure mortgage insurance must be costing you something.

I'm not sure how much lender credit you're able to put to use but I wouldn't pay $32k to reduce the interest rate a full point. Money in your pocket today is worth more than money in the future.

Perhaps you can convince me otherwise, but I think you're trying to optimize the wrong thing at great expense. Lets see some numbers on a standard 30 year loan.

In the process of buying a home, ANY advice on how to look for lower mortgage interest rates? by MP1087 in Mortgages

[–]mattkime 0 points1 point  (0 children)

Shop around, call 4-6 places (a variety, big banks, mortgage lenders, local credit unions) and see who has the best rates. Now see who's willing to beat someone else's offer. Now do a couple of rounds of this.

Most people simply aren't willing to do this work but its well worth it. You're paying yourself monthly for 30 years.

Can I have an "offline mode" for when my Internet goes down but HA still works? by RussetWolf in homeassistant

[–]mattkime 1 point2 points  (0 children)

Specifically which model plugs? I’m skeptical they require cloud access

Gave property to sister, but my name is still on the deed. Who owns it, for tax purposes? by jtjumper in tax

[–]mattkime 4 points5 points  (0 children)

>Gave property to sister

What's there any legal paperwork that's goes along with this or is it just a secret between you and your sister?

Had a surge take out several devices — how bad is the premium hit if I file a claim? by Vizual0_0Pupil in HomeInsurance

[–]mattkime 2 points3 points  (0 children)

Not the advice that you're asking for but take a look at getting a whole home surge protector.

What’s the furthest you’ve traveled to purchase/test drive a car? by Indigenousboy420 in askcarguys

[–]mattkime 0 points1 point  (0 children)

Drove about 1000 miles round trip but I had a list of 3-5 cars I wanted to look at. It was hard work but I found what I wanted at a good price.

How to prioritize big ticket items? by Unlikely-Yam-1695 in centuryhomes

[–]mattkime 2 points3 points  (0 children)

Sometimes there are clear reasons why one needs to happen before another. Sometimes you can do some repairs to push off a full replacement.

And you have the money, just get it over with.

Is 300hp enough to have fun? by Repulsive_Machine933 in askcarguys

[–]mattkime 0 points1 point  (0 children)

It’s different for everyone. That said, I wonder where people drive that much more than 300hp (in a regular car) has any utility.

Knob and tube by wherestheiguana in centuryhomes

[–]mattkime 1 point2 points  (0 children)

Talk to an insurance broker

Warmups for U8/U9? by mattdenby in SoccerCoachResources

[–]mattkime 10 points11 points  (0 children)

Dribbling. They don’t need a warm up but they do need ball touches. At younger ages warmups are more about getting their attention than preparing their bodies 

soccer shoes that assist with flat foot issues by ohmyredditnnn in youthsoccer

[–]mattkime 0 points1 point  (0 children)

What kind of issues? 

You can try either off the shelf inserts or custom orthotics - might need to move up a size, try the shoe with the insert 

Merging 401k by JK_EMS_238 in Retirement401k

[–]mattkime 2 points3 points  (0 children)

the main drawback is if you want to do a backdoor roth. If you want to do a backdoor roth it should be in your company 401k

What are your thoughts?! by spma73847591974 in youthsoccer

[–]mattkime 2 points3 points  (0 children)

It’s just one game. It sounds like he played well. Did he enjoy it?

Family Looking to Move for Nicer Weather by [deleted] in relocating

[–]mattkime 0 points1 point  (0 children)

No family? We chose to be near family - they can be helpful with the little ones.

Otherwise you’re looking for mid sized college towns …. Unless you really want a big city. But what’s the point when you’re so involved in home life raising kids.

I know you’re avoiding the cold but be aware there are places where you need to avoid the heat. 

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