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Re: Recommended Mortgage Lenders

http://www.zillow.com/mortgage-rates/ I used this, and picked the lowest rate with the lowest fee I see on the website a year ago January 2013. I got 3.125% 30 years fixed with $1000 credit at closing out of state bank, I couldn't be happier. There are plenty of reviews so you know it's legit. I thi...
by Momus
Sun Sep 07, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommended Mortgage Lenders
Replies: 11
Views: 975

Re: Pre-nup at only $1M networth, do I need it?

To the OP: [who lives in California - added by respondent] The laws are not made in your favor, and the family court system is the last place you want to be deciding who gets what. I don't know what you know about the laws of California. Now perhaps you think your responsibility to your children en...
by Momus
Thu May 29, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 13066

Re: Pre-nup at only $1M networth, do I need it?

Mazel tov on your good fortune and great planning/saving! I say yes to the pre-nup even though I am still married for 26+ years to the same wonderful woman and we did not have a pre-nup. Of course we didn't have any money either so.... Here is another scenario you might consider. I am not sure if t...
by Momus
Mon May 26, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 13066

Pre-nup at only $1M networth, do I need it?

I am going to be 30 years old this year. I have a net worth around $1M (real estate equity, stocks, bonds, ROTH IRA, 401k). I am thinking of marrying a girl who has an income around $60-120k/year, depending if she works fulltime/partime. She has 0 assets and around 250k student loan debt. Do you thi...
by Momus
Mon May 26, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 13066

Re: Dave Ramsey recommends index fund

I like Dave too but on his podcast yesterday he did the 12% thing again over 40 yrs maxing a roth vs traditional to illustrate the benefits of the roth but referred to accumulating $9.6 million over the 40 yrs. Where does he get this stuff? It's much easier to entice someone and let them hear what ...
by Momus
Thu May 15, 2014 2:06 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey recommends index fund
Replies: 26
Views: 3964

Re: International Small Cap Value

I use VSS since I don't have access to DFA... better than nothing even though it's not pure value fund.
by Momus
Thu May 15, 2014 1:58 am
 
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Value
Replies: 16
Views: 1696

Re: Cash Advance on a credit card

I guess there is a reason why I never use it in the first place. I thought there were fees doing it so I never do it. All the posts above confirmed it.

I'd go to the bank and just withdraw the money then. Thanks for the input!
by Momus
Sat May 10, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1518

Cash Advance on a credit card

I need to get around $2500 in cash. If I use the cash advance feature on my credit card, which I never have done before... Is this a good idea? any pros and cons? I do have money in the bank I could just withdraw at ATM in increments of $500X5 but I want the cash back rewards. The card is Barclays A...
by Momus
Sat May 10, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1518

Re: why would i keep $3,000 in a vanguard roth brokerage mma

You don't need to keep 3000 in MMA. It's only required to open the account. After I get a direct deposit from my employer and dividend, I buy other funds to rebalance my asset allocation every 2 weeks and I always leave it at $0. They don't have a problem with that.
by Momus
Fri Apr 18, 2014 3:33 am
 
Forum: Investing - Help with Personal Investments
Topic: why would i keep $3,000 in a vanguard roth brokerage mma
Replies: 13
Views: 1852

Re: VSS equivalent mutual fund in Vanguard?

It has 0.25% purchase fee and higher expense ratio -_-;

Just buy the ETF version?
by Momus
Fri Dec 27, 2013 3:48 am
 
Forum: Investing - Help with Personal Investments
Topic: VSS equivalent mutual fund in Vanguard?
Replies: 3
Views: 457

VSS equivalent mutual fund in Vanguard?

I want to add exposure to Small Cap Develop and Emerging markets.

Is there a VSS (ETF) equivalent mutual fund? All my money is in Mutual Funds version, not ETF.

Thank you.
by Momus
Wed Dec 25, 2013 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS equivalent mutual fund in Vanguard?
Replies: 3
Views: 457

Capital gains distribution quesiton

Should I treat my capital gain distribution like my dividend? I redirect my dividend to buy money market fund and then quarterly invest those proceed to my portfolio to make tracking of many tax lots easier.

Is this a common practice? or, should I let my capital gain distribution reinvest?
by Momus
Mon Nov 25, 2013 4:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital gains distribution quesiton
Replies: 2
Views: 375

Re: Bubble bitcoins... $300 -> $800 in 10 days

http://bitcoinity.org/markets
I know right... But, the chart looks ridiculous, exactly look like a bubble about to burst.
by Momus
Tue Nov 19, 2013 12:34 am
 
Forum: Investing - Theory, News & General
Topic: Bubble bitcoins... $300 -> $800 in 10 days
Replies: 27
Views: 2294

Bubble bitcoins... $300 -> $800 in 10 days

Will this be a viable currency? The price will stabilize and go up steadily?

Maybe, I should buy 1 btc just in case...
by Momus
Tue Nov 19, 2013 12:24 am
 
Forum: Investing - Theory, News & General
Topic: Bubble bitcoins... $300 -> $800 in 10 days
Replies: 27
Views: 2294

Re: New medical resident, need help with investing versus lo

I'd not worry about it too much if u are a rad doctor... after finishing residency, you should be able to pay all the loan within 3-4 years max pulling in attending salary...
by Momus
Wed Sep 18, 2013 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: New medical resident, need help with investing versus loans
Replies: 22
Views: 2699

How do you keep all your important documents?

Now, that I got a house. I have stacks of papers escrow, HUD-1, bla bla bla over 100+++ pages, multiple years of tax return, and birth certificate, receipts, etc... Do I need to keep all of them in hard copies or could I turn them into soft copies (scanned) and trash everything? Please advice. Thank...
by Momus
Wed May 15, 2013 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you keep all your important documents?
Replies: 43
Views: 3718

Re: Apple @ $2000

Rick Ferri wrote:NEW HEADLINE!

Applie is going to $0!

Put me on TV!
:D

Rick Ferri


Rick wants marketing Air time >_>;
by Momus
Thu Jan 24, 2013 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Apple @ $2000
Replies: 60
Views: 5192

Re: Homeowner's insurance

I don't have consumer report subscription -.-;
No USAA either not a military member.

Do you guys install smoke detector, security alarm, fire extinguisher, and deadbolts just to get discount?
by Momus
Tue Jan 08, 2013 6:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance
Replies: 5
Views: 770

Homeowner's insurance

First time home buyer = noob...

How do I find a good homeowner's insurance company/cost?

The house I am buying is in San Diego, CA @565k.

Thanks for all the responses!
by Momus
Mon Jan 07, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance
Replies: 5
Views: 770

Re: Tax Law Changes: Roth

Can we still do back door roth-ira if you have income over $120k as a single (not exact) after fiscal deal? I am planning to do fund IRA and convert to ROTH this month but I am not sure i.e I am lazy to look it up -.-;
by Momus
Thu Jan 03, 2013 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Law Changes: Roth
Replies: 3
Views: 429

Re: Selling house (estate) - when to use RE agent

Use redfin agent if you can to get more refund money. Redfin agent tends to be able to sell for more and quicker.
by Momus
Mon Dec 31, 2012 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling house (estate) - when to use RE agent
Replies: 24
Views: 1835

Tenant screening service

Do you know good tenant screening service website that does not charge on going fees, one stop website & cheap to use?

Thanks!
by Momus
Thu Dec 27, 2012 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant screening service
Replies: 1
Views: 341

Re: Extra Mortgage Payment

I recently just rate locked 30 year fixed 3.125% no points. 5% is way too high nowadays! Where did you get that rate? http://www.zillow.com/mortgage-rates/ The company I found had 300+ reviews, and A+ on BBB, http://www.myersparkmortgage.com/ 1st home purchase. Emailed back and forth providing docu...
by Momus
Wed Dec 26, 2012 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Payment
Replies: 17
Views: 1957

Re: Extra Mortgage Payment

I recently just rate locked 30 year fixed 3.125% no points. 5% is way too high nowadays!
by Momus
Wed Dec 26, 2012 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Payment
Replies: 17
Views: 1957

Re: Evaluate my taxable portfolio

Ah, actually it's right where I want it... got a brain fart tonight lol. Thanks for pointing that out.
by Momus
Tue Nov 27, 2012 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate my taxable portfolio
Replies: 5
Views: 516

Re: Evaluate my taxable portfolio

Really? 10% of EM within equity is high?
by Momus
Tue Nov 27, 2012 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate my taxable portfolio
Replies: 5
Views: 516

Evaluate my taxable portfolio

This is my portfolio as of now in taxable. Any suggestion how to improve this taxable portfolio? Time horizon: 30+ years until selling. No debt. Max 401k and Back door ROTH every year. Domestic 40% Vanguard Index Trust/Total Stock Market Index Fund (VTSAX) 18% Vanguard Small Cap Value Index Admiral ...
by Momus
Mon Nov 26, 2012 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate my taxable portfolio
Replies: 5
Views: 516

Re: Lost

nvm didn't read 20% equities... should be an ok plan...
by Momus
Sun Nov 25, 2012 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1478

Re: Credit score for a mortgage?

Thanks for all your responses. I'd let one of the lender pull my credit score and give the copy to me. No charge that way ;D
by Momus
Thu Nov 15, 2012 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit score for a mortgage?
Replies: 16
Views: 1401

Re: Highest APY for a Savings Account

Ally is the best with less rules, and always consistently rank highest in interest. I use them for 4 years since there were GMAC.
by Momus
Thu Nov 15, 2012 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Highest APY for a Savings Account
Replies: 17
Views: 2321

Re: Credit score for a mortgage?

That's TU 98? or TU 04??
What's a beacon?

I don't know any of these lol...
by Momus
Wed Nov 14, 2012 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit score for a mortgage?
Replies: 16
Views: 1401

Credit score for a mortgage?

I am trying to get pre-approved for a mortgage. I have credit karma, it says my score is 780. But, I need to find out what my TRUE score is. How do I find out my TRUE credit score that will be used by a loan officer? I heard about myfico.com. I can pay $40 to get 2 scores, will these 2 score accurat...
by Momus
Wed Nov 14, 2012 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit score for a mortgage?
Replies: 16
Views: 1401

Re: Do you use Mint.com?

http://bucks.blogs.nytimes.com/2010/07/ ... -mint-com/

I use mint to keep track of net worth.
by Momus
Mon Oct 29, 2012 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you use Mint.com?
Replies: 6
Views: 756

Re: I ditch Bank of America :-)

Oh cash lol... I have $1 in my wallet :D
by Momus
Tue Oct 16, 2012 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3989

Re: I ditch Bank of America :-)

How do you deposit a physical check at an online bank? I've always wondered how you deposit cash with an online bank. It's not often, maybe only a few times a year, but I do have the need to deposit legal tender. As it is, I don't think I've set foot inside my brick & mortar bank for three year...
by Momus
Tue Oct 16, 2012 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3989

Re: I ditch Bank of America :-)

How do you deposit a physical check at an online bank? You have to mail it in to them. In many online banks these days, you can also deposit using a smartphone app & camera, or PC & scanner. I'm a true frugal Boglehead - what is a smartphone? I'm still using a tin can and string apparatus. ...
by Momus
Tue Oct 16, 2012 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3989

Re: I ditch Bank of America :-)

I have been with Ally for well over a year or two. I have 2.4% CD's with them (that was a good idea! :wink: ), my checking account, I up load scanned checks for deposit, have a direct deposit, etc. We even used them on a wire transfer . Excellent service! Yes, I use them for wire transfer internati...
by Momus
Tue Oct 16, 2012 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3989

Re: I ditch Bank of America :-)

What made you switch? Was it something BoA did, or just the interest rates (any relatively high interest rate offer in today's low yield environment is probably artifical)? I had Ally for 3 years but I realized I kept sending my direct deposit money from BoA to Ally to get better rates and keeping ...
by Momus
Tue Oct 16, 2012 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3989

I ditch Bank of America :-)

Finally, closed the my account with Bank of America yesterday. Brick and mortar = fails Now, I use Ally online bank for checking and saving purposes. 0.4% interest Checking - handles day to day expenses and credit cards - Free checks - Online Check deposit - Free ATM anywhere 0.95% interest Savings ...
by Momus
Tue Oct 16, 2012 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3989

Re: Best way to get the best mortgage rate/closing cost?

Thanks! That sort of quality post is what I am looking for!
by Momus
Tue Oct 16, 2012 5:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to get the best mortgage rate/closing cost?
Replies: 6
Views: 1331

Re: Individual Stocks

I agree that "leaving it there until retirement" is not a good idea, so I take back that part. I will enter the stocks into morning star once I find a definitive list of the top holdings (today). If things look good, I might create my own portfolio of 20-25 stocks, and every year just mat...
by Momus
Mon Oct 15, 2012 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual Stocks
Replies: 63
Views: 4465

Re: Best way to get the best mortgage rate/closing cost?

How do you know those are good rates? and not a lot of junk fees? Do you compare GFEs?
by Momus
Sun Oct 14, 2012 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to get the best mortgage rate/closing cost?
Replies: 6
Views: 1331

Best way to get the best mortgage rate/closing cost?

Anyone here can provide me a link, maybe internet companies, or ways to shop for a mortgage?

I live in San Diego County.
by Momus
Sun Oct 14, 2012 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to get the best mortgage rate/closing cost?
Replies: 6
Views: 1331

Re: Best software to keep track of cost basis/tax lot?

I heard windows stop supporting MS money? Its capabilities are limited based on this article but I am not so sure that's why I asked before I have so many purchases to track >_> http://usatoday30.usatoday.com/money/perfi/columnist/krantz/story/2012-05-03/personal-finance-tracking-software-apps-progr...
by Momus
Sat Oct 13, 2012 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Best software to keep track of cost basis/tax lot?
Replies: 6
Views: 1050

Re: Cost basis method election in Vanguard?

Do you have any accounts (funds) that you first purchased after 1/1/2012? I don't. Perhaps that's why you don't see the choice of HIFO online. For shares purchased prior to January 1, 2012, Vanguard will be unable to accurately sell your highest costing shares, as average cost was the only calculat...
by Momus
Fri Oct 12, 2012 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis method election in Vanguard?
Replies: 3
Views: 353

Cost basis method election in Vanguard?

I want to pick HIFO. But, when I go into my Vanguard account, there are only 3 options: FIFO, SpecID, Average for mutual funds. Then, there is this link I found https://personal.vanguard.com/pdf/c103.pdf provided online to select HIFO manually I guess? Does it mean I can select HIFO if I submit this...
by Momus
Fri Oct 12, 2012 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis method election in Vanguard?
Replies: 3
Views: 353

Best software to keep track of cost basis/tax lot?

Which one is good? Sigfig, Mint, or Quicken? Or Excel?

I use turbotax to file my taxes.
by Momus
Fri Oct 12, 2012 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best software to keep track of cost basis/tax lot?
Replies: 6
Views: 1050

Re: What is the return on stock vs real estate investing?

Apples and oranges. One is a passive activity, the other is running a business. The expected return is higher with the latter provided you are willing to spend substantial time on it (if you hire everything out, your expected return is not much more than the riskier parts of the stock market), but ...
by Momus
Wed Oct 10, 2012 11:55 am
 
Forum: Investing - Theory, News & General
Topic: What is the return on stock vs real estate investing?
Replies: 64
Views: 3998

What is the return on stock vs real estate investing?

Assume:

Stock investor buy S&P 500 every time he has money.
Real estate investor buys a new property with 20% down every time he accumulate enough money and rent them out.

Which one gives higher return?
by Momus
Tue Oct 09, 2012 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: What is the return on stock vs real estate investing?
Replies: 64
Views: 3998

Re: Share a dumb investment story

loss huge amount of money with long triple leverage ETF in less than a 3 weeks. Bought it one day before US got downgraded just right when they increased the debt ceiling, thinking "YAY it's time to go long buy buy buy!!!" You know what happens the next 2 months... LOL Sold out at the bott...
by Momus
Fri Sep 21, 2012 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Share a dumb investment story
Replies: 31
Views: 2665
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