Menu

DerekLava

Home DerekLava Replies Created

DerekLava
Message me
You have new message! DerekLava

Forum Replies Created

  • DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017
    medical school scholarship sponsor

    https://www.redfin.com/blog/redfin-direct-unrepresented-buyers/

    Interesting article/experiment in the Boston market. We are potentially selling next summer and I’ll probably explore this option.  For comparisons sake, the local realtor is down to a total commission of 4%.

    “We’ve long charged home-sellers in Boston 1% for our own service, and our sellers usually offer an additional 2% to 2.5% for the buyer’s agent. But now, with an offer from an unrepresented buyer, sellers pay an additional 1% to Redfin in lieu of the buyers’ agent fee, for a total commission of 2%.”

    in reply to: Successfully selling/buying a home without a realtor #225154 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    Mind if I ask which lender is offering the 30yr, 3.75% with $0 down?  Starting to gather information for next year.

    in reply to: Closing Costs #221318 Reply
    Liked by Tangler
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    There is nothing stopping you from refinancing more than once too , if needed.  If the rate drops 1/2% and the closing fees are low enough go for it.  If a few months later, rates drop again and fees are reasonable, might as well lock in the lower rate.

    in reply to: mortgage rates #204121 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    Without student loans, earning $450k, and planning to rent for two years, I say go for it.  There are only so many times in your life when you have a complete mental vacation.

    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    Yeah they do have junior member fees available to age 29 but just turned 35 so no luck there.  They do allow you to spread the $7k over five years, which is nice but I still can’t wrap my head around it.  I usually do the local public courses for $50/round and translate that $7k initiation fee to 140 rounds at the local public course.

    in reply to: Country Clubs #200370 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017
    It sounds like the desire is purely personal recreation.

    Click to expand…

    Golf is definitely the driver here but we are also transplants to the area so thought it could also be a good way feel a part of the community and meet people.  The initiation fee is the kicker, the annual golf fees are reasonable.  I think a membership is going to be one of those “someday” things.

    in reply to: Country Clubs #200364 Reply
    Liked by radnater
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    I’ve been looking around for when my wife is done fellowship next year but I’m hoping for more of a golf club than a country club.  I want to play golf, grab a beer after, meet some more golfers, and join a weeknight league.  The ones with spending minimums at a club restaurant are definitely a turnoff.  There’s a club about 1/4 mile from our house I drive by everyday but they just increased their fees and I am having a hard time justifying the $7k initiation fee when the wife doesn’t golf.

    in reply to: Country Clubs #200335 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    I saw this article this weekend.  Unimaginable.  To not vaccinate your kid, have them in the hospital for 2 months with the majority in the ICU, and then on discharge to refuse vaccinations again… no words.  I agree with some of the posts above.  Child neglect and the parents should be held financially responsible.  They should be required to repay the insurance company.  I mean, almost deadly consequences to their child and that didn’t change their behavior towards vaccination.

    https://www.huffpost.com/entry/oregon-pediatric-tetanus-case_n_5c82c809e4b0d9361627f055

    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    We went to Bermuda last year.  They did not have any Zika concerns on the island and we had a fantastic time there.

    in reply to: Zika concerns #195939 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017
    3 younger kids took their time finding their niche/adult job.  they have struggles.  now, they are asking if they can start getting the max gift allowance (13k).

    Click to expand…

    Wow, that’s ballsy.  That would not fly with me.  We just had our first and I am very interested in what people have to say on this.  To me, you need to be self sufficient in adulthood.  Any “help” should be unexpected and unplanned for.

    in reply to: do you discuss how much money you have with your kids? #187378 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    Bermuda.  We went last February.  It was 70 degrees outside, 70 degrees ocean waters, and 70% humidity.  Feb/Mar is considered off season so it was not crowded with people.  2-2.5hrs from Boston and NYC.  We’ve both said we will absolutely be going back.

    in reply to: You Have One Week In March To Vacation #173033 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017
    Two great vacations books I couldn’t put down, A Gentleman in Moscow by Amor Towles and Beneath a Scarlet Sky Book by Mark T. Sullivan.  Great reads.
    Another great one but pretty specific genre, The Anatomy of a Golf Course by Tom Doak.  It has me looking at golf courses a whole new way when I’m out there.
    in reply to: I need a book to read #118206 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    I wear a watch everyday, I do like it more than always pulling out my phone, feels like a classy touch.  I have a two nicer but less expensive watches (citizen eco drives).  I bought one the week before my first post college job started 12 years ago and have worn it most days since; has some sentimental value now.  I recently bought an apple watch for running too and have really liked it.  I’d love to get a rolex someday but its probably one of those things that will always be “someday”.

    in reply to: Anyone love watches as much as I do? #111733 Reply
    Liked by IlliniGopher
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017
    The FAQ at the FDIC website is wrong. “The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category.”

    Click to expand…

    The FAQ at the FDIC website is wrong. “The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category.”

    in reply to: online banks #108719 Reply
    DerekLava DerekLava 
    Participant
    Status: Accountant, Spouse
    Posts: 23
    Joined: 01/20/2017

    We are dual income and have joint accounts.  We are on the same page, any major expenses we talk about first.

    For those that do the luxury/allowance/separate accounts, my question – If you are going for a weekend at Pebble Beach, I see that coming out of the individual account but if you are going golfing at the local course, is that coming out of your joint spending or more likely your individual account?

    in reply to: Joint accounts versus separate accounts? #97378 Reply
Notifications Mark all as read  |  Clear