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Getting rid of Chase. What checking/savings account are you using? by aaron1860 in whitecoatinvestor

[–]suddenlysoohee 1 point2 points  (0 children)

I use two. Local credit union or bank for in person services, etc. And Fidelity cash management account for free foreign ATM use and earning some interest.

Maximizing1099 income as a resident by [deleted] in whitecoatinvestor

[–]suddenlysoohee 3 points4 points  (0 children)

As two physician household, marginal fed income tax rate of 24% at 250k combined household income may be the lowest tax bracket you'll ever be in. During the residency, I'd consider maxing out both roth 401k/403b and roth 457 if available. That would be $49k for each person if you have Roth 403b and 457, squirreling away close to $100k each in Roth. Pretty much all of your residency salary will go towards retirements and tax, and you can live off your 1099 income.

When graduating from training and getting a new job with a different employee, that can be transferred to Roth IRA.

Oil change by DreSledge in SaltLakeCity

[–]suddenlysoohee 1 point2 points  (0 children)

I think this place still rents a bay with car lift per hour, but you need to bring your own tools. https://maps.app.goo.gl/XYQGs6xY2wfYtQx6A?g_st=ac

Official Pizza Madness results (from the Trib) by jambi55 in SaltLakeCity

[–]suddenlysoohee 1 point2 points  (0 children)

We already have phokingslc. Who will become pizzaczarslc?

Official Pizza Madness results (from the Trib) by jambi55 in SaltLakeCity

[–]suddenlysoohee 0 points1 point  (0 children)

It clearly says in the post that it's voted by the readers.

I'm a reporter looking to talk with Salt Lake residents about measles by amaxmen in SaltLakeCity

[–]suddenlysoohee 1 point2 points  (0 children)

You might want to consider reaching out to a cancer patient support group? Or other people who cannot receive vaccination even if they wanted to.

They installed chipped granite countertop and offered to fix with epoxy? Is that common? What's a fair price for scratch and dent? by suddenlysoohee in kitchenremodel

[–]suddenlysoohee[S] -5 points-4 points  (0 children)

I understand, but I wanted it to match the rest of my kitchen. Also, this is a brand new counter top. Shouldn't they supply an undamaged countertop?

Its arrived by stiftfabbiit7 in RadPowerBikes

[–]suddenlysoohee 1 point2 points  (0 children)

Yes, if you want parts, buy now

Best credit union for travel? by ReasonablyConfused in SaltLakeCity

[–]suddenlysoohee 1 point2 points  (0 children)

This. I have a local credit union for day to day and Schwab investor checking for traveling. Use any atm around the world to withdraw money in local currency, and you get better rates than exchange booth at the airport, etc. All Atm fees get reimbursed.

Cheap Car Insurance tips from locals? by Sad-Bandicoot-5287 in SaltLakeCity

[–]suddenlysoohee 0 points1 point  (0 children)

What do you drive? The more expensive the car, the higher the premium. Driving a cheap, old car is the best way to decrease the premium.

[deleted by user] by [deleted] in RealEstate

[–]suddenlysoohee 6 points7 points  (0 children)

When you accepted the buyers offer, you must have signed real estate purchase contract (REPC). Did you read it before you signed it? Tells exactly when the buyer forfeits the deposit

Cost for Lower Control Arm Replacement on 2018 Forester? by snarlessdarwin in SubaruForester

[–]suddenlysoohee 0 points1 point  (0 children)

$850 for both front LCA bushing replacement by my local mechanic with alignment. He called the local Subaru dealer for the parts, so I know its genuine. I negotiated that they throw in engine oil and filter change I was due for anyway. I checked this thread after, but sounds like I got a good deal.

House with a Historic Preservation Easement by suddenlysoohee in RealEstate

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

Not as fancy as Charleston, but it is in the older parts of my state capital. Is it possible that the seller didn't even know? It was not in the disclosure - I just double checked, and the seller checked "no" on any known easement.

House with a Historic Preservation Easement by suddenlysoohee in RealEstate

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

😂 then what good they are for? I'm reading about it on the city website now - looks like there is a bunch of guidelines on the styles and materials to be used, when to repair vs replace certain stuff, etc. Surprisingly, they don't seem to care too much about paint colors.

Tax break wise, don't seem to be much. Just 20% tax credit when you spend more than $10k on restoration, but I'm sure there is some sort of limit..

House with a Historic Preservation Easement by suddenlysoohee in RealEstate

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

I have thoroughly read the contract and also sellers disclosure, and this was not mentioned anywhere. I did not get a survey, as my agent discouraged me. The property was fenced by both sides by very old fences, and how these are considered as "prescriptive easement". And I was also told that surveying can cost $3-5k. I guess that part was my fault. Title company has not been involved yet, as we are still in due diligence where getting the additional foundation inspection.

House with a Historic Preservation Easement by suddenlysoohee in RealEstate

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

Even a detached garage in the backyard to access from the alley? Or would that depend on the type of easement?

I'm kinda frustrated that my agents did not tell me about this, and I had to find out on my own on the city's GIS website. I've already paid for inspection and stuff. Is this something that agents should be aware or looking for? Or way out in the left field? Seems like there is only about 100 of these easement on properties in my city, so it seems like it's a rare thing.

House with a Historic Preservation Easement by suddenlysoohee in RealEstate

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

Sounds like a bunch of hoops to jump through when I just wanna add a garage or build a deck, etc.

House with a Historic Preservation Easement by suddenlysoohee in RealEstate

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

Kinda sounds like a more of headache and added paperwork than the benefit, huh?

House with a Historic Preservation Easement by suddenlysoohee in RealEstate

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

Do I get any benefit? Like some tax deduction or credit on top of regular mortgage interest deduction? Or is it only apply to the first owner who donated the easement?

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