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by 4th and Inches
Wed May 20, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2700

Re: How should drivers react to bicycle riders on one lane roads?

As a semi-regular bicyclist to work I appreciate the answers given here. You guys are not issues for me. Thanks!
by 4th and Inches
Fri May 01, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: What sort of MBA is right for me?
Replies: 13
Views: 1089

Re: What sort of MBA is right for me?

I will weigh in later. I have a lot to say about this from personal experience. I have an MBA. It works for me.
by 4th and Inches
Mon Apr 27, 2015 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 4994

Re: Feel like I made a mistake with buying a house: apprecia

120% appreciation? Sounds fishy. What metric are the two of you going by? Sure the house may be valued that much more, but what kind of renovations took place to make that happen? If the house was bought for $200k and then $150k was done in renovations the ROI is not going to be as high if he did ze...
by 4th and Inches
Fri Apr 24, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 1665

Re: Selling on eBay with local pickup using PayPal - Dangero

^^^^what he said. You can also call PayPal customer service to ask.
by 4th and Inches
Mon Apr 20, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1397

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I'm surprised you're seeing the similar prices for different age houses that are similar in size and all other respects. In my experience new houses are more expensive unless there is some countervailing advantage for the older homes. So perhaps there is something you are not seeing. For example I'...
by 4th and Inches
Mon Apr 20, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1397

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I own a 80+ year old home - this is what you should be concerned about; electrical, plumbing, insulation, heating system/air conditioning. If you need to put in a CAC/HVAC system - that will cost, similarly if you need to re-wire or re-plumb the home. Insulation may or may not be that big of a deal...
by 4th and Inches
Mon Apr 20, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1397

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

You really need some more information to make a decision. Get a thorough inspection of the older homes by more than one inspector. Ask them to estimate the amount of repairs they anticipate you'll need. When you mentioned the house years, you used a range and not a specific year. Do you not know th...
by 4th and Inches
Mon Apr 20, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1397

Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?

I am trying to wrap my head around the total cost of home ownership for three different ages of houses that I am interested in. Where I am looking there are 3 distinct areas with different eras of construction. • Ownership of the home will last for 50 years (Yes, I’m very aware that things change in...
by 4th and Inches
Thu Apr 16, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 1846

Re: 10% Down 30-Year Jumbo Mortgages?

Thanks for the responses guys. What are the terms of your HELOC?
by 4th and Inches
Tue Apr 14, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 1846

10% Down 30-Year Jumbo Mortgages?

Do 10% down Jumbo mortgages still exist? Do any of you have any links to information regarding the terms of a 30-year fixed jumbo loan? How much higher is the interest rate? Assuming the person is well-qualified and all debt and housing PITI was 30% of gross income, they were on track for retirement...
by 4th and Inches
Thu Apr 09, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Another Housing Thread (450k)
Replies: 18
Views: 1801

Re: Another Housing Thread (450k)

Go for the house! You can afford it. Good luck!
by 4th and Inches
Sat Mar 28, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 43
Views: 5800

Re: Can I afford a $500,000 house?

You can afford it. You just can't go juggling two large car payments, expensive hand bags or a trip to Europe with the currently discounted Euro. Moderation, compromise and common sense will go a long way. Many on here are hyper conservative so take their comments that make YOU seem crazy with a gra...
by 4th and Inches
Mon Mar 23, 2015 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares vs Diversity? Beginner Question
Replies: 14
Views: 1363

Re: Admiral Shares vs Diversity? Beginner Question

I imagine you don't have a large balance. Just stick with VTIVX to keep it simple and diversified. Once you have enough for admiral in the components you could start to break it up. If the account is in taxable that complicates things.
by 4th and Inches
Thu Mar 19, 2015 11:03 pm
Forum: Investing - Theory, News & General
Topic: "Assessing the Risk of Using Just One Fund Company.."
Replies: 18
Views: 2894

Re: "Assessing the Risk of Using Just One Fund Company.."

Thanks for posting Taylor. The tinfoil hat wearers will naturally anchor on tbe worst case scenario, exaggerate the probability of it happening and then expend far more energy than needed to avoid something that will never happen. I have other things to do.
by 4th and Inches
Mon Mar 09, 2015 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Want to invest with Vanguard but not comfortable with....
Replies: 79
Views: 5317

Re: Want to invest with Vanguard but not comfortable with...

Ward, how do you know that someone on this board isn't a hacker and they now have enough information on you to hack your existing accounts? You already have multiple accounts that exist. How do you know that someone isn't hacking them RIGHT NOW or will intercept your next transaction? How do you han...
by 4th and Inches
Thu Feb 26, 2015 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 9339

Re: Help! Ive been put on a performance improvement plan!

Sorry OP, but I'm guessing you are a terrible manager and some degree of a jerk to your direct reports. Things must be pretty bad for your direct reports and other things you are doing\not doing that personnel above you are going as far as a formal PIP. Polish off that resume and LinkedIn account. I...
by 4th and Inches
Thu Feb 12, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Loan for house
Replies: 22
Views: 1756

Re: 401k Loan for house

People on here are hyper-conservative when it comes to borrowing money, 401k loans, and home down payments so take their stark anti-loan comments with a grain of salt. I see no issue with using the 401k loan to get into the house given your circumstances presented. I think you have a pretty good dea...
by 4th and Inches
Tue Feb 10, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5540

Re: Home Buying the Boglehead Way (1st Time Buyer)

^^^^^^^^^^^^That is great information Meg77. Thanks for sharing.
by 4th and Inches
Tue Feb 10, 2015 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying investment
Replies: 10
Views: 462

Re: Delaying investment

Overall you will get the best outcome by putting it into the market today rather than waiting. Dollar-Cost-Averaging is will assuage the way you feel, but usually won't give you the best outcome. Yes the market could tank, but it could also go significantly up. Bite the bullet and get the money off ...
by 4th and Inches
Thu Feb 05, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5540

Re: Home Buying the Boglehead Way (1st Time Buyer)

Why does it matter if a lender sells your loan? I have seen this turn people off more than once.

Also, doesn't a buyer's agent have a legal obligation to have YOUR best interests in mind throughout the process?
by 4th and Inches
Fri Jan 16, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Relationship between PMI, Mortgage Rate, and Down Payment
Replies: 26
Views: 2249

Re: Relationship between PMI, Mortgage Rate, and Down Paymen

Thanks charles77. That is great information and things I will keep in mind. How common is it to find a no fee loan, with no discount points and no origination fees, along with a credit from the lender to pay for other miscellaneous items all in one loan and how much higher is the interest rate on so...
by 4th and Inches
Wed Jan 14, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship between PMI, Mortgage Rate, and Down Payment
Replies: 26
Views: 2249

Re: Relationship between PMI, Mortgage Rate, and Down Paymen

Thanks for sharing that link charles77. What exactly does the "Coverage" column mean? It has numbers such as 30%, 25%, 17% and 12% within each of the down payment bands?

Also, could you expand on why you should not pay points?
by 4th and Inches
Wed Dec 17, 2014 4:40 pm
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 3510

Re: How do you figure out the best location to buy a house?

Lots of good pointers in here I have taken notes.
by 4th and Inches
Sun Dec 14, 2014 9:51 pm
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 938

Re: Book suggestion for buying primary home

Do any of you have any other book recommendations on this topic?
by 4th and Inches
Tue Nov 25, 2014 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 5435

Re: Brother wants me to co-sign a house with him

Uhhhh kid you are nuts to even entertain the idea of doing the house, salon, or land. DO NOT DO ANY OF THEM!!!!!!!!!!!!!!!!!!
by 4th and Inches
Fri Nov 14, 2014 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 7685

Re: 36 y.o. New at investing, am I in too much debt?

You really need to have a major talk with your fiancee. To what extent is she aware of your financial situation and how aware are you of her financial situation? All of a sudden pulling the plug on wedding funding and scaling back the honeymoon is not likely to go over very well with her. You need t...
by 4th and Inches
Mon Nov 10, 2014 10:15 am
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 33401

Re: War on Debt

Technofox I hope you take a lot of this truly outstanding advice to heart and make some CRITICALLY needed, concrete changes to your spending habits. The fact you are having panic attacks shows that you know there is a major problem. You now need to build the resolve and make the change needed while ...
by 4th and Inches
Wed Oct 15, 2014 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2816

Re: Crazy asset-based fees in my 401K!

I just thought that I would chime in that my 401k scam I mean plan charges a salty 1.25% AUM fee. Whooo hook!!! The cheapest fund in my plan is PTRAX at .71%. 1.25% + .71% = Oh yeah baby!
by 4th and Inches
Tue Sep 23, 2014 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Which house to buy?
Replies: 16
Views: 1493

Re: Which house to buy?

Based only on the information you have provided it is no question to me. Go with house B assuming you can handle ~$230 more in 30 year mortgage. Think of what the two houses will be worth years down the road. The info on house B related to lot, design and neighborhood suggest it will be worth a lot ...
by 4th and Inches
Fri Sep 12, 2014 11:13 am
Forum: Personal Finance (Not Investing)
Topic: 5% or 10% down for high balance conforming mortgages?
Replies: 0
Views: 174

5% or 10% down for high balance conforming mortgages?

I want to buy a house in a year. I have great credit, very little debt with low interest, two steady incomes in the house and working towards a down payment. I want to confirm that even if you are in a high cost of living area that to have a mortgage above $417k you have to have at least 10% down ev...
by 4th and Inches
Sun Sep 07, 2014 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4576

Re: Salary Info double standard?

All of the responses here seem to implicitly reflect either applying to a job in the same city where you work or perhaps moving to another city with about the same cost of living. I'm in a situation where in the next 6 months my wife will be seeking employment starting in the late summer/fall 2015. ...
by 4th and Inches
Sat Sep 06, 2014 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise Equity Indexed Universal Life Insurance
Replies: 10
Views: 850

Re: Ameriprise Equity Indexed Universal Life Insurance

You should post your entire portfolio on here. You will get outstanding advice for free. I have never, ever seen a portfolio review on here that went well for an Ameriprise advisor. The people on here will point out your Ameriprise portfolio's shortcomings and offer realistic, viable solutions. I ca...
by 4th and Inches
Thu Sep 04, 2014 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Acorns - Automatic Investing
Replies: 8
Views: 2386

Re: Acorns - Automatic Investing

This is really intriguing though I don't know that it is for me. I estimate that I would be able to chip in about $50-60 per month. I think it can be great for people who otherwise just won't save. Is anybody else thinking of doing it? When will a competitor come out who can undercut these fees in h...
by 4th and Inches
Wed Sep 03, 2014 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio - UPDATE
Replies: 45
Views: 5393

Re: My early 30's Ameriprise portfolio

^^^^^^I was thinking the same. The OP asked for advice. He got fantastic advice that will help him end up with 100s of thousands more over his investing lifetime. The least he can do is check in and acknowledge the great advice and say thanks.
by 4th and Inches
Tue Sep 02, 2014 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio - UPDATE
Replies: 45
Views: 5393

Re: My early 30's Ameriprise portfolio

You are going to need to man up and deal with the discomfort that will come along with getting all of your money out of Your advisor "friend's" care. You said that the amount in taxable isn't too big to liquidate and move it somewhere else and that is exactly what you should do. Just tell ...
by 4th and Inches
Wed Aug 20, 2014 11:32 pm
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8920

Re: Subaru Blues

People with negative experiences are always going to piss and moan the loudest and will be sure to chime in. I have a 2011 Forester Limited I bought new that now has 56k miles on it. My vehicle has had ZERO issues with it beyond regularly scheduled maintenance. I'm thinking of just driving it into t...
by 4th and Inches
Mon Aug 11, 2014 9:13 pm
Forum: Personal Consumer Issues
Topic: Volvo Overseas Delivery - Any experience?
Replies: 11
Views: 1427

Re: Volvo Overseas Delivery - Any experience?

I have looked into this as well for when we get my wife a new car, but that is not for a few years so I have not fully looked into it. It is definitely an interesting concept.
by 4th and Inches
Thu Jul 31, 2014 8:48 am
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 8849

Re: How old are you?

I am very surprised that at 35 years old only 75% of the respondents are older than me. I would have thought it was more like 90%.
by 4th and Inches
Sat Jul 26, 2014 6:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5544

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Any estimates on how long until they do come out with Admiral shares?
by 4th and Inches
Sat Jul 05, 2014 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 4631

Re: Buying adult child a house vs paying their rent

I think the response by ddunca is an outstanding response for a tough situation that calls for significant elements of tough love while not compromising the well-being of the infant. This daughter sounds like an able-bodied adult who needs to start acting like a responsible adult and get some accoun...
by 4th and Inches
Wed Jul 02, 2014 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Get in the game
Replies: 21
Views: 1909

Re: Get in the game

Make sure to get rid of "That Guy" your Dad sent to you! After you understand how much he is fleecing you, explain to your Dad how bad he is getting fleeced and tactfully help him get out of there. I imagine since your Dad suggested him he is using him as well. Don't give him another cent ...
by 4th and Inches
Thu Jun 19, 2014 8:32 am
Forum: Investing - Theory, News & General
Topic: what to do about bond investing if worried
Replies: 15
Views: 1203

Re: what to do about bond investing if worried

Prescience definition: knowledge of events before they take place; foreknowledge

That article is junk.
by 4th and Inches
Sat Jun 07, 2014 3:26 pm
Forum: Personal Consumer Issues
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 107
Views: 18195

Re: A $1000 lesson on how manipulative salespeople can be?

Sorry, but it is hard for me to feel sorry for the OP on this one. What in the world were you thinking? I imagine you have learned a lesson.
by 4th and Inches
Sat May 31, 2014 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Rate My Portfolio
Replies: 118
Views: 7144

Re: Rate My Portfolio

Consider bumping international a little bit: https://personal.vanguard.com/pdf/icriecr.pdf I'm 80/20 stock/bond. 35% of stock is international. I plan to have 5% of total portfolio tilts to emerging markets, international small, domestic small value, and reit. However, I am making myself wait until ...
by 4th and Inches
Fri May 30, 2014 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Getting out of large student loan debt
Replies: 45
Views: 3844

Re: Getting out of large student loan debt

Forget the idea about the heloc. Hold off on the car. At least do so until at least the $25k on the card and your $19k in student loans are gone and you have a decent emergency fund. Get on a budget to not rack up debt on the cards. Do you have a 6 month emergency fund? Work on that if not. Consider...
by 4th and Inches
Fri May 30, 2014 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Bad credit, to average income, to $200k a year...
Replies: 16
Views: 1871

Re: Bad credit, to average income, to $200k a year...

Cancel the meeting with the bank!!!! Even if it is a family friend, in-law, or a trusted coworker referred you cancel the bank meeting. Too bad if you rub someone the wrong way by not going. If you do end up going, which you should not, do NOT sign any paperwork or give them money. Post their sugges...

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