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joec
ParticipantI would check here for pricing…
www[.]term4sale[.]comI don’t work or own or have any interest in term4sale other than I used it when I had to get some insurance for me and the spouse. It’s all term policies and the prices are legit assuming you qualify (same as what your agent will quote).
Most agents can also sell any company so it’s not a problem to use a friendly agent since pricing is the same and you can ask more questions.
I would be very upfront and honest with family history since paying to have a policy which is valid beats paying for something which won’t pay out if there is an event.
ParticipantI would check here for pricing…
www[.]term4sale[.]comI don’t work or own or have any interest in term4sale other than I used it when I had to get some insurance for me and the spouse. It’s all term policies and the prices are legit assuming you qualify (same as what your agent will quote).
Most agents can also sell any company so it’s not a problem to use a friendly agent since pricing is the same and you can ask more questions.
I would be very upfront and honest with family history since paying to have a policy which is valid beats paying for something which won’t pay out if there is an event.
June 16, 2011 at 2:12 PM in reply to: It’s not all gloom and doom. “Silly” Valley values booming #704129ParticipantWorked at a couple startups up there with 1 going public and another dieing. I think the only chance to live there housing wise is if you have a chance at the IPO millions. Sorta hard to ‘save’ with general taxes/high salary.
Other than that industry, sorta hard to pay/live in that area.
If you are in hi-tech and have the hot skills, I think that’s the only place to be work wise. At least till you get sick of it (me).
June 16, 2011 at 2:12 PM in reply to: It’s not all gloom and doom. “Silly” Valley values booming #704224ParticipantWorked at a couple startups up there with 1 going public and another dieing. I think the only chance to live there housing wise is if you have a chance at the IPO millions. Sorta hard to ‘save’ with general taxes/high salary.
Other than that industry, sorta hard to pay/live in that area.
If you are in hi-tech and have the hot skills, I think that’s the only place to be work wise. At least till you get sick of it (me).
June 16, 2011 at 2:12 PM in reply to: It’s not all gloom and doom. “Silly” Valley values booming #704812ParticipantWorked at a couple startups up there with 1 going public and another dieing. I think the only chance to live there housing wise is if you have a chance at the IPO millions. Sorta hard to ‘save’ with general taxes/high salary.
Other than that industry, sorta hard to pay/live in that area.
If you are in hi-tech and have the hot skills, I think that’s the only place to be work wise. At least till you get sick of it (me).
June 16, 2011 at 2:12 PM in reply to: It’s not all gloom and doom. “Silly” Valley values booming #704966ParticipantWorked at a couple startups up there with 1 going public and another dieing. I think the only chance to live there housing wise is if you have a chance at the IPO millions. Sorta hard to ‘save’ with general taxes/high salary.
Other than that industry, sorta hard to pay/live in that area.
If you are in hi-tech and have the hot skills, I think that’s the only place to be work wise. At least till you get sick of it (me).
June 16, 2011 at 2:12 PM in reply to: It’s not all gloom and doom. “Silly” Valley values booming #705326ParticipantWorked at a couple startups up there with 1 going public and another dieing. I think the only chance to live there housing wise is if you have a chance at the IPO millions. Sorta hard to ‘save’ with general taxes/high salary.
Other than that industry, sorta hard to pay/live in that area.
If you are in hi-tech and have the hot skills, I think that’s the only place to be work wise. At least till you get sick of it (me).
ParticipantI think times are definitely different now. I used to walk to school alone at age 6 1st grade…about 3/4 mile or so down the hill/street.
Nowadays, parents walk their 4th grader 2 blocks to school. (maybe to talk to their kid too)…
Agree with the other folks, just having an enclosed space is great to do work at home maybe with Wifi on the computer outside or inside. Can’t do that at most parks I don’t think unless you have anywhere internet.
ParticipantI think times are definitely different now. I used to walk to school alone at age 6 1st grade…about 3/4 mile or so down the hill/street.
Nowadays, parents walk their 4th grader 2 blocks to school. (maybe to talk to their kid too)…
Agree with the other folks, just having an enclosed space is great to do work at home maybe with Wifi on the computer outside or inside. Can’t do that at most parks I don’t think unless you have anywhere internet.
ParticipantI think times are definitely different now. I used to walk to school alone at age 6 1st grade…about 3/4 mile or so down the hill/street.
Nowadays, parents walk their 4th grader 2 blocks to school. (maybe to talk to their kid too)…
Agree with the other folks, just having an enclosed space is great to do work at home maybe with Wifi on the computer outside or inside. Can’t do that at most parks I don’t think unless you have anywhere internet.
ParticipantI think times are definitely different now. I used to walk to school alone at age 6 1st grade…about 3/4 mile or so down the hill/street.
Nowadays, parents walk their 4th grader 2 blocks to school. (maybe to talk to their kid too)…
Agree with the other folks, just having an enclosed space is great to do work at home maybe with Wifi on the computer outside or inside. Can’t do that at most parks I don’t think unless you have anywhere internet.
ParticipantI think times are definitely different now. I used to walk to school alone at age 6 1st grade…about 3/4 mile or so down the hill/street.
Nowadays, parents walk their 4th grader 2 blocks to school. (maybe to talk to their kid too)…
Agree with the other folks, just having an enclosed space is great to do work at home maybe with Wifi on the computer outside or inside. Can’t do that at most parks I don’t think unless you have anywhere internet.
May 23, 2011 at 10:47 PM in reply to: Ex-in-laws (3rd party creditors) want to foreclose on my condo #698170ParticipantI didn’t read most of this thread so if this was mentioned, I apologize. Sorry to hear about your situation, but agree with tg that selling and moving on is probably the best long term outcome for the reasons described.
I wanted to also mention that instead of doing a 401(k) withdraw, see if you can take a 401k loan instead. I’ve done it before myself.
The loan is easy and most places let you fill out the form online. You pay interest to yourself, there are some minor fees, but it will buy you some time (up to 5 years I think). In most cases, you can tap up to 50k or up to half your 401(k) balance.
Major major risk is if you leave your job, you may have to pay the loan back immediately or you face penalties and taxes.
However, that’s nothing new if if you were planning to withdraw it anyways for your situation.
I agree with the other posters, you should probably just cut out your ex-in laws and learn that with money received, there are usually strings attached so closing out that note will close that problem and not have to deal with them anymore.
Lastly, on the “pay taxes with after tax money” when using a 401k loan, that is not true. I used to think the same thing, but here’s a more detailed description of it here:
Best of luck!
May 23, 2011 at 10:47 PM in reply to: Ex-in-laws (3rd party creditors) want to foreclose on my condo #698261ParticipantI didn’t read most of this thread so if this was mentioned, I apologize. Sorry to hear about your situation, but agree with tg that selling and moving on is probably the best long term outcome for the reasons described.
I wanted to also mention that instead of doing a 401(k) withdraw, see if you can take a 401k loan instead. I’ve done it before myself.
The loan is easy and most places let you fill out the form online. You pay interest to yourself, there are some minor fees, but it will buy you some time (up to 5 years I think). In most cases, you can tap up to 50k or up to half your 401(k) balance.
Major major risk is if you leave your job, you may have to pay the loan back immediately or you face penalties and taxes.
However, that’s nothing new if if you were planning to withdraw it anyways for your situation.
I agree with the other posters, you should probably just cut out your ex-in laws and learn that with money received, there are usually strings attached so closing out that note will close that problem and not have to deal with them anymore.
Lastly, on the “pay taxes with after tax money” when using a 401k loan, that is not true. I used to think the same thing, but here’s a more detailed description of it here:
Best of luck!
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