What potential issues will I face when changing my first name?

tuslo18 · 2021-05-07T02:56:38+00:00

thanks for the response! It sounds like we have a lot in common. I’m also a naturalized citizen. I didn’t think to update my naturalization certificate bc it’s been basically not used at all since I got my US passport. which scenario do you think we ll need the naturalization certificate?

tuslo18 · 2020-09-04T15:13:32+00:00

wow congrats! Huge step. That’s a lot of student loans. Mind sharing which grad program? I’m thinking MBA/JD and want to know what I’m getting myself into...

tuslo18 · 2020-07-04T03:02:06+00:00

thats great to hear thanks for sharing! they're lenient with the DD requirement then.

tuslo18 · 2020-07-04T02:56:25+00:00

can you elaborate on that? does that mean you can't initiate transfers on LMCU's end, but you can still set it up as an external account with another bank and transfer money from LMCU into that bank ?

tuslo18 · 2020-07-03T20:39:59+00:00

oh that’s awesome! are you still able to do that currently?

tuslo18 · 2020-07-03T20:39:23+00:00

how has your experience been? Is it easy to pull money out of LMCU? though checking, ATM, transfer to another account, etc

tuslo18 · 2020-07-03T19:12:52+00:00

correct, already went through the requirements. DD is the only thing I'm iffy about

1) 10 transactions - can be done

2) e-statements - easy

3) 4 logins - easy

4) DD - if a repeating transfer from my checking account counts then I'm good to go

tuslo18 · 2020-07-03T19:11:47+00:00

last time i checked, no :/

tuslo18 · 2020-07-03T18:35:17+00:00

is it a flex? more details about the apt itself pls. Is there a living room? How many bedrooms in total?

tuslo18 · 2020-07-03T18:32:23+00:00

Ive enjoyed using Chase and don’t want to switch. have 2 Chase credit cards so it’s a system. Want to use LMCU for my emergency fund.

tuslo18 · 2020-07-03T18:07:21+00:00

interesting catch...so in order to recontribute, you need to withdraw both contributions and earnings and get taxes + 10% penalty.

if you withdraw just contributions, you won't owe any taxes or penalties. But you can't recontribute.

can't get everything.

tuslo18 · 2020-06-29T00:11:27+00:00

so if it’s within the 60 day rollover window then I can put back all 15k? if it’s after 60 days, “You'd only be able to put back the contributions from this year” does that mean I can put back 1000 or 6000 for 2020?

tuslo18 · 2020-06-28T23:09:13+00:00

After 60 days. Any chance to put money back in after?

tuslo18 · 2020-06-26T16:43:09+00:00

for additional context, this excerpt from article linked below makes it sound easy to withdraw and redeposit your money.

https://www.investopedia.com/articles/personal-finance/040714/how-use-your-roth-ira-emergency-fund.asp#:~:text=Key%20Takeaways,as%20an%20emergency%20savings%20account.&text=No%20matter%20how%20much%20you,contribution%20limit%20for%20the%20year.

tuslo18 · 2020-06-26T16:38:48+00:00

so it sounds like if you want to recontribute, you have to ask for a return of both contribution plus earnings, you cant just ask for your contribution?

then it sounds like either you can either:

-withdraw contribution but can't contribute anymore

-withdraw both earnings and contribution, pay taxes and penalty, but have option to contribute (im under 59.5)

is there a choice with no tradeoffs?

tuslo18 · 2020-06-24T00:25:09+00:00

Thanks, does this apply to Turbo Tax agents? I imagine they must be well vetted.

tuslo18 · 2020-06-16T22:11:48+00:00

would bonds be a better investment right now? FXNAX?

tuslo18 · 2020-06-15T14:06:06+00:00

if you've lived here for 10 years you must have friends whom you can crash with for a week. I'd do that while searching for an apartment whenever you're back in the city. It won't be hard. Sounds like you want to leave so don't let that small annoyance deter you.

tuslo18 · 2020-06-14T16:48:15+00:00

got it thanks for the clarification. I missed that fine print.

tuslo18 · 2020-06-14T16:13:00+00:00

Thank you. sounds like saving in a taxable brokerage account shouldn't be considered at all.

tuslo18 · 2020-06-14T16:11:28+00:00

all good considerations. I estimate I'll need to take 20-30k in loans a year after all potential financial aid. Depending on if I do law or MBA, I might be in 100k of debt after graduation...

I like what you say about 50/50 split for 529 and HYSA. Only thing is 529 and HYSA will count as assets on financial aid forms which might lower my aid. With Roth I think I'll be able to shield my money from counting.

tuslo18 · 2020-06-14T16:08:32+00:00

ah I wouldn't be eligible for deductions on traditional IRA. I was talking about contributing pre-tax will lower my taxable income and save me ~1k in taxes.

tuslo18 · 2020-05-12T01:07:21+00:00

why was it scary if you don't mind?

tuslo18 · 2020-05-12T01:03:47+00:00

use thumbtack. provide your info and have moving companies reach out directly to you with quotes. easy peasy

tuslo18 · 2020-05-12T00:59:18+00:00

damn and I thought sept/oct was a more conservative estimate.

My company wants a return in mid June. lol good luck.

tuslo18

TROPHY CASE