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I'd get a third party estimate on the remediation cost to get rid of the mold and would not blindly accept the Realtor's good faith estimate. Mold is all around us all the time, everywhere we go for the most part, and is generally harmless. In this case you need more info before jumping in with bot...

We've been looking for a house in a better school district for our children, 4 and 2. We came upon a short sale listing in MLS and noticed how the price of this house ($800K) was significantly "undervalued" to its Zillow estimate ($1.5MM). The listing has been on the market for a few years...

You didn't actually answer the question. :? But I think what you are saying is that you implemented something like what I suggested above and because of market movements what I suggested is not going to have quite enough bonds. And you have not yet purchased the VTI in the two Roth IRAs, so you are...

Using current valuations and having rebalanced based on the suggestions above, I am at 77.80% stocks, 17.51% bonds and 4.69% cash (most is in the Roth IRAs). Does it make sense to use the Roth IRA cash to buy bonds and could you suggest any good bond ETFs? Thanks again. I don't understand. Which su...

I like the idea of holding some REITs in her Old-Employer 401K so it might be up to 3.6% of the total portfolio. A common suggestion is that any slice less than 5% is not worth the trouble...for whatever that opinion is worth to you. Why did you pick 3.6%? Got it. Her Old-Employer 401K made up 36% ...

Thanks for the update. Here is a suggestion to consider. You would exchange what you have now and buy what is below. Then you would maintain it with your contributions. I know you are just asking about deploying the cash in your Roth IRAs, but a general makeover would be a good idea just to simplif...

One of the suggestions I have gotten from another mortgage broker is to get the HOA to write a letter saying that my unit is unaffected by the defects... anyone here an underwriter or want to weigh in on this?

Regarding 90%/10% and 70%/30% stock to bond ratios, my heart is telling me 10% bonds but my brain is saying 30%. I think 20% is a good compromise. I have rebalanced my current 401K with Spartan funds (thanks bdpb) and the Spartan bond fund makes up 3.77% of my total portfolio. Still a ways to go so...

Sounds like you may have over-disclosed to the broker. With all of my refis, I believe I've only been asked whether I have personally been sued. It sounds like if you were asked that question, you could accurately state "no." You also don't appear to personally be suing anyone else, so ev...

Welcome to the forum! I got into the middle of a portfolio suggestion and realized that changes have to be made first. You have no percentages for Her 401k or Her Roth IRA. Perhaps Her New 401k is empty, but there is money in Her Roth IRA and that throws all the other calculations off. So please re...

Is there general aversion to be a landlord because of the hassles? That's a very personal choice. I have such aversion personally but I WISH I did not. Then, I would be happy to buy a cheap place and rent it out. It's certainly an option that may very well turn out to be a better investment than ot...

I was in the process of refinancing the mortgage on my townhouse. In the beginning of the process, I told the mortgage broker that our homeowners' association is currently suing the builder to recover for repair costs for various construction defects; the mortgage broker checked with her higher ups ...

Thanks a lot for your reply. 2. I've updated my original post with her Current-Employer 401K investment options. Her current allocation is the "Moderately Aggressive Model" and so she has a hotchpot of the funds listed above. I will post her Old-Employer 401K options this afternoon. I am l...

Hi, I have been observing this great forum with great people for the past month but am a first time poster. I’ve been neglecting my personal investments for the past few years but have recently regained an interest (thanks to this forum). My long term goal is to retire from or cut back on the “9 to ...