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Lien question

There is a lien against my mothers ex husband but apparently the tittle company can't find any record of it been attached to the house. They told us that because they weren't married at the time the leone was filed and my mother was not on loan, then technically the were bared from filing lien on ho...
by Nicho_1978
Tue May 13, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lien question
Replies: 2
Views: 369

Re: AA checkup and a few questions

Thanks. Your input is appreciated.
by Nicho_1978
Tue Dec 10, 2013 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA checkup and a few questions
Replies: 4
Views: 310

AA checkup and a few questions

Emergency funds: six months Debt: Current mortgage (186k @4.12% )+ car loan(11k @ 5%) Tax Filing Status: Married Tax Rate: 28% Federal, 4.5% State State of Residence: MD Age: 35/34 Desired Asset allocation: 45% stocks / 4% bonds/16 cash Desired International allocation: 34% of stocks Current retirem...
by Nicho_1978
Tue Dec 10, 2013 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA checkup and a few questions
Replies: 4
Views: 310

Re: Lawyer Fees

Ok Thanks. Just wanted to be sure it was in the ball park.
by Nicho_1978
Mon Oct 21, 2013 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer Fees
Replies: 9
Views: 1226

Lawyer Fees

Just got a retainer agreemnet for a family law attorney to help with a divorce case and would like to know how typical the folowing fees are in or arround a major metro area such as washington DC:

initial retainer fee $2500
major partner - $229/hr
associate partner- $225/hr
paralegal-$125/hr
by Nicho_1978
Mon Oct 21, 2013 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer Fees
Replies: 9
Views: 1226

Re: Divorce question [home equity loan]

She should have insisted he file a quit claim to remove his name from the deed at the same time he was removed from the mortgage. Not too late to do this. Can she file a quit claim deed on the notion that he does not assume any responsibility for the property (he does not contribute to the mortgage...
by Nicho_1978
Wed Oct 02, 2013 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Divorce question [home equity loan]
Replies: 22
Views: 1338

Re: Divorce question [home equity loan]

How did he get his name off the mortgage loan? The lender would have had to refinance the loan in her name alone and would have had to run the qualification steps (her income, credit worthiness, outstanding debts, etc). And for him to try to get new loan against the property, the lender (new lender...
by Nicho_1978
Wed Oct 02, 2013 3:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Divorce question [home equity loan]
Replies: 22
Views: 1338

Re: Divorce question [home equity loan]

GTF wrote:"They have a minor child together who resides at the house with the mother."

Another area of concern. Does he provide any financial support for the minor child?


Nothing in writing but yes does directly, meaning no formal child support order
by Nicho_1978
Tue Oct 01, 2013 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorce question [home equity loan]
Replies: 22
Views: 1338

Re: Divorce question [home equity loan]

Correct about how his name got off the mortgage but still on the deed. The concensus seems to me that some professional legal advice regarding the divoce would be prudent here. Also we will contact the current mortgage holder to make sure her rights are protected.
by Nicho_1978
Tue Oct 01, 2013 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorce question [home equity loan]
Replies: 22
Views: 1338

Re: Divorce question

Thanks for your feedback.Its a joint deed but the mortgage is only in her name.
by Nicho_1978
Tue Oct 01, 2013 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorce question [home equity loan]
Replies: 22
Views: 1338

Divorce question [home equity loan]

A family member has recently informally separated from her husband(he moved out about 2 years now). Her husband a few years prior had agreed to take his name off the mortgage, but his name is still on the deed even though he has not paid any of mortgage since he moved out. My family member got word ...
by Nicho_1978
Tue Oct 01, 2013 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorce question [home equity loan]
Replies: 22
Views: 1338

Berkshire A

How diversified is berkshire class A stock ? I am thinking about liquifying by tax account and use the proceed to buy one or two shares of berkshire A. Any insight will be helpful.
by Nicho_1978
Tue Aug 13, 2013 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Berkshire A
Replies: 29
Views: 2349

Re: wells trade-symbol entered cannot be traded online

I have lots of questions about this. 1. Have you sold other covered calls without a problem or is this your first attempt? 2. Is your account a margin account? 3. Have you contacted them? 4. Did you try to submit this order when the market is closed? 5. Have you signed an options agreement with Wel...
by Nicho_1978
Thu May 02, 2013 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: wells trade-symbol entered cannot be traded online
Replies: 3
Views: 250

Re: wells trade-symbol entered cannot be traded online

I have lots of questions about this. 1. Have you sold other covered calls without a problem or is this your first attempt? 2. Is your account a margin account? 3. Have you contacted them? 4. Did you try to submit this order when the market is closed? 1. first attempt on my wells trade account 2. ca...
by Nicho_1978
Thu May 02, 2013 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: wells trade-symbol entered cannot be traded online
Replies: 3
Views: 250

wells trade-symbol entered cannot be traded online

Anyone ever had the following error when trying to a write covered call option from a wells trade account? Errors: The symbol entered cannot be traded online. To place a trade, please click on the "Contact Us" link and call us using the number listed. (######) For assistance in placing thi...
by Nicho_1978
Thu May 02, 2013 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: wells trade-symbol entered cannot be traded online
Replies: 3
Views: 250

Re: Bubble talk subside

Call_Me_Op wrote:
peppers wrote:Buying bonds is like being married for 30+ years. It's a long term commitment.


I think I'll continue to date.

Like being married to a nice girl next door, as opposed to one of those flashy, high maintenance type. I'll stick with the girl next door.
by Nicho_1978
Mon Apr 22, 2013 8:16 am
 
Forum: Investing - Theory, News & General
Topic: Bond Market Bubble Talk Subsides
Replies: 50
Views: 3896

Re: Bubble talk subside

We are also approaching a seasonal period that has proven good for bonds in the pass. How do you come up with this conclusion? How do you know? What time frame are you refering to? 1 year, 5 years, 10 years? Your not serious, right? Summer months starting in may (with the exception of july) are his...
by Nicho_1978
Mon Apr 22, 2013 8:10 am
 
Forum: Investing - Theory, News & General
Topic: Bond Market Bubble Talk Subsides
Replies: 50
Views: 3896

Re: Bubble talk subside

My point was that the risk was and is not what the chatter was making out to be. Most of the smart money that were talking down bonds did it for their own benefit. In other words they were selling short in anticipation that rates would rise and prices would decline.
by Nicho_1978
Sat Apr 20, 2013 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Market Bubble Talk Subsides
Replies: 50
Views: 3896

Bond Market Bubble Talk Subsides

Except for a few outliers, notice how all the news chatter about "the great rotation from bond to equities" and the impending pop in the so called "bond market bubble" have suddenly subsided. The TBF also seem to have whethered the storm since dipping below its 200 MVA last fall ...
by Nicho_1978
Sat Apr 20, 2013 7:29 am
 
Forum: Investing - Theory, News & General
Topic: Bond Market Bubble Talk Subsides
Replies: 50
Views: 3896

TSP Contribution Limit

Does anyone know if the 2013 contribution limit to the TSP includes the matching portion?
by Nicho_1978
Mon Feb 18, 2013 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Contribution Limit
Replies: 2
Views: 302

Re: Past performance vs future returns

I often wonder the same question myself. Maybe a better phrase is " past performance does not garauntee future return, but then again neither does the prospect of future earnings"
by Nicho_1978
Thu Feb 07, 2013 7:44 am
 
Forum: Investing - Theory, News & General
Topic: Past performance vs future returns
Replies: 36
Views: 1766

Re: Rebalancing account consisting of 100 percent TBM

That's what I was leading toward because of my general aversion to make such a drastic change too quickly.
by Nicho_1978
Sun Feb 03, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing account consisting of 100 percent TBM
Replies: 4
Views: 322

Rebalancing account consisting of 100 percent TBM

If I have a taxable account with 100% of funds in the TBM and a monthly cash savings around 5% of the total in the TBM to invest in the total stock market fund so i can get to a 60/40 split, do I : 1) rebalance to funds in the TBM to the 60/40 AA now and use monthly savings to maintain the 60/40 AA;...
by Nicho_1978
Sun Feb 03, 2013 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing account consisting of 100 percent TBM
Replies: 4
Views: 322

Re: Total Bond fund tanks

Tom_T wrote:How do you explain that both bonds and stocks have done well over the past three+ years? Haven't we had an equity rally since 2009? It didn't start last month...


It would be interesting to see what those return would be if the yield in those years you mentioned was as low as they are now?
by Nicho_1978
Sat Feb 02, 2013 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond fund tanks
Replies: 63
Views: 9291

Re: Total Bond fund tanks

Since bonds have an inverse relationship with stocks, is it possible that if this equity rally continues, the bond market will take a hit, even if interest rates and inflation remains low.
by Nicho_1978
Sat Feb 02, 2013 12:07 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond fund tanks
Replies: 63
Views: 9291

Re: Coming Bond Market Crash

Hi Nicho, Maybe I don't understand your question, but the Fed's Open Market Committee did what many market participants expected by leaving monetary policy the same. Why would it change the short term bond market outlook? If you don't mind my asking, why is the short term bond market outlook import...
by Nicho_1978
Wed Jan 30, 2013 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Re: Coming Bond Market Crash

How does today"s fed meeting comment to continue its bond buying program until unemployment is 6.5 change the to bond market outlook in the short term, especially in light of the recent negative chatter?
by Nicho_1978
Wed Jan 30, 2013 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Re: Emergency Savings in Bond Fund

I am actually in the same situation as the op, but i am sticking with keeping it in a brick and mortar. Why take the additional risk if this is for emergencies? First you pay off all your cc bills, then save an emergency funds, and finally start investing.
by Nicho_1978
Mon Jan 14, 2013 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Savings in Bond Fund
Replies: 19
Views: 2040

Re: Coming Bond Market Crash

Why muddy the waters with gross exaggeration like that. Everyone knows those scenarios are unlikely so why even post that? Keep it realistic so people like me who are on here genuinely seeking advice can make the best decision. This "gross exaggeration" has already happened many times in ...
by Nicho_1978
Mon Jan 07, 2013 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Re: Coming Bond Market Crash

What do people think a bond market "crash" might consist of? The silly bond is only going to pay back $1,000 when it matures, no matter what. Just how much of a mania can possibly develop over the prospect of getting $1,000 on, let's say, January 15, 2022? Headline of every Newspaper acro...
by Nicho_1978
Mon Jan 07, 2013 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Re: Coming Bond Market Crash

Portfolio B consisting of 100% Total bond market fund with an average duration of about 5 years would have returned an average of 7.5% over the last 30 years. Portfolio B consisting of 85% of a 2-year term bond fund and 15% equities would have returned a slightly higher 8% over the same time frame. ...
by Nicho_1978
Mon Jan 07, 2013 6:43 am
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Re: Coming Bond Market Crash

Keep in mind that if you hold the bond fund for a period of time longer than its duration, you will actually end up with more money in the end if interest rates increase now! So if I have 100k invested in the total bond market fund now which have an average duration of approximately 5 years. Ill be...
by Nicho_1978
Sun Jan 06, 2013 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Re: Coming Bond Market Crash

What do people think a bond market "crash" might consist of? The silly bond is only going to pay back $1,000 when it matures, no matter what. Just how much of a mania can possibly develop over the prospect of getting $1,000 on, let's say, January 15, 2022? How much are people going to bid...
by Nicho_1978
Sun Jan 06, 2013 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Re: Coming Bond Market Crash

How about the CD "crash" which is here already? You are guaranteed to lose money/purchasing power by putting your money into CDs. A crash to me implies an event that truly impacts. Does not seem like bonds can really crash, especially since their interest payments will increase during thi...
by Nicho_1978
Sun Jan 06, 2013 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Coming Bond Market Crash

I’ve been hearing lots of talk lately about the coming bond market crash due to rising interest rates, especially in the last couple of days. Well I went back and look at the data from the 1980s when interest rates were on an upward trajectory and found that the rising interest rates did not signifi...
by Nicho_1978
Sun Jan 06, 2013 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Coming Bond Market Crash
Replies: 180
Views: 15045

Re: Roth IRA

Heres an example of the situation I was seeking clarity on: 1) instead of a CD or checking account, I considered the risk, and decided to put my non-retirement and non-emergency fund savings in a bond fund and TIPS ETF( I know that this is not what most folks on this site do, but I believe that it's...
by Nicho_1978
Wed Jun 27, 2012 6:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 6
Views: 610

Roth IRA

Is it a good idea to transfer profits from a taxable bond fund to a traditional IRA account to deffered paying taxes on the profits ? One disadvantage I can think of is that I would lose the benefit of compound growth in the bond fund. Any others?
by Nicho_1978
Tue Jun 26, 2012 6:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 6
Views: 610

Whats wrong with this portfolio?

401k (50/50 total bond market fund to stocks) $55,000 401k monthly contribution $600 emergency cash $18,000 mortgage $190,000 monthly take home salary $5,600 investments (total bond market fund) $80,000 monthly investment (50/50 investment grade prefered stocks and total bond market fund) $2,800 mon...
by Nicho_1978
Fri Jun 22, 2012 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Whats wrong with this portfolio?
Replies: 7
Views: 817

Re: 100K in treasury bonds

I am. That's what my original question was about. I planned on going 50/50 total bond to tips.
by Nicho_1978
Wed Jun 20, 2012 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100K in treasury bonds
Replies: 11
Views: 925

Re: 100K in treasury bonds

I guess what I meant to say is does the risk out way the benefit to go with an etf given how low the yield is for the 2 year note (.2%). For instance the aggregate bond fund has consistently return an average of 7.22 % annually since 1988 with only 2 years of negative return(1994 -3% and 1999 -.9%).
by Nicho_1978
Wed Jun 20, 2012 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100K in treasury bonds
Replies: 11
Views: 925

100K in treasury bonds

I am thinking about purchasing 100 k worth of treasury bonds and tips etf until 2014 when interest rate are anticipated to begin rising. Am I right in assuming that this is a relatively safe fixed income investment for my two year time frame or do I risk losing Capitol. I was planning on either goin...
by Nicho_1978
Wed Jun 20, 2012 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: 100K in treasury bonds
Replies: 11
Views: 925

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