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Re: How to Insure Two Homes

jlawrence01 wrote: It may not work if your properties are not in the same state.

The two are actually within 20 miles of each other.
by OnBoard
Thu Mar 13, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Insure Two Homes
Replies: 5
Views: 371

How to Insure Two Homes

I owned Property A prior to marriage as my primary residence. Upon getting married my wife and I bought and moved into Property B as our primary residence. I put my parents into Property A and I pay all mortgage, taxes and insurance. The property does not generate any rental income. The two properti...
by OnBoard
Thu Mar 13, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Insure Two Homes
Replies: 5
Views: 371

Bond Allocation

There are many rules of thumb around what the allocation to bonds should be in one's portfolio. Many follow the 110-age or 115-age approach. When looking at the Vanguard Target Date funds, it appears this approach does not hold true. My wife and I are in our mid 30s. The Target Date 2045 fund alloca...
by OnBoard
Thu Jan 02, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Allocation
Replies: 3
Views: 730

2014 New Year's Resolutions

As that time of year approaches again, what will you be adding to your list of resolutions for 2014? I came across the Bogleheads forum in late 2012 and made it my 2013 resolution to adopt the lifestyle. So far so good! :sharebeer For 2014 I will Continue learning about financial vehicles Let go of ...
by OnBoard
Fri Dec 27, 2013 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: 2014 New Year's Resolutions
Replies: 4
Views: 328

Re: 529 State Deduction Question

Per the AZ income tax instructions: N. Contributions to 529 College Savings Plans You may subtract amounts you contribute to 529 college savings plans during the taxable year. You may subtract the amount you contributed during the year up to a total of $2,000 ($4,000 for a married couple filing a jo...
by OnBoard
Wed Dec 25, 2013 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 State Deduction Question
Replies: 7
Views: 804

Re: 529 State Deduction Question

Grandparents live in Arizona. I can't find anything specific about them having to be the account owner.
by OnBoard
Wed Dec 25, 2013 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 State Deduction Question
Replies: 7
Views: 804

529 State Deduction Question

If my state offers a tax deduction for 529 contributions, do I have to be the account owner to receive the deduction? In the scenario in question, the children have already set up a 529. The grandparents want to know if they can contribute to this plan or do they have to set up their own 529 for the...
by OnBoard
Wed Dec 25, 2013 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 State Deduction Question
Replies: 7
Views: 804

Re: New Vehicle: Pay Cash or Finance?

Sometimes you can get $1000-2000 discount (or even higher - neighbor got $5k on his new mustang a year or so ago) from the dealer to use their financing. Make sure there is no early payoff penalty, and then you can just write a check for the entire amount a month later. You pocket the discount and ...
by OnBoard
Mon Dec 09, 2013 3:47 pm
 
Forum: Personal Consumer Issues
Topic: New Vehicle: Pay Cash or Finance?
Replies: 37
Views: 4150

Re: Christmas gift for boss

Fairly common at my work. Last few years I gave my boss a bottle of (pick your poison) and will be doing the same this year.
by OnBoard
Mon Dec 09, 2013 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Christmas gift for boss
Replies: 34
Views: 2867

Re: Young investor looking into 401k

Your early interest in your future is very commendable. To ensure you start off on the right foot, I highly recommend you check out some of the books from the link below. They will provide you with a great foundation. I particularly recommend The Bogleheads' Guide to Investing as a first step. http:...
by OnBoard
Tue Oct 22, 2013 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor looking into 401k
Replies: 20
Views: 1404

Re: Help with 529 Plan strategy

Older one is leaning toward business/fiance major and may consider pre-med courses as minor. If your child is considering an MBA, he will need at least a couple of years of work experience, thus will be able to earn income that can be put toward graduate school. There are also employers that subsid...
by OnBoard
Tue Oct 22, 2013 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 529 Plan strategy
Replies: 12
Views: 881

Re: place for fine photo printing

by OnBoard
Thu Oct 17, 2013 3:28 pm
 
Forum: Personal Consumer Issues
Topic: place for fine photo printing
Replies: 18
Views: 1486

Re: I've Reached 25% Savings Rate!

Good for you guys. Congratulations. It's a huge accomplishment.

It will pay off significantly as you guys get older and allow for endless options as long as you stay the course.
by OnBoard
Tue Sep 17, 2013 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: I've Reached 25% Savings Rate!
Replies: 8
Views: 1370

Interest Earned on Emergency Fund

What do you do with the interest earned on your emergency fund?

Like many of you, my emergency fund is with Ally. Should I let it accumulate while expenses remain constant, or should I invest according to AA?
by OnBoard
Tue Sep 17, 2013 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interest Earned on Emergency Fund
Replies: 8
Views: 816

What do you do with your cash back rewards?

I recently got the Fido AmEx. For those of you who have it, or another cash back card, what do you do with your cash back rewards?

Invest? Splurge? Pay down debt? Other?
by OnBoard
Wed Aug 28, 2013 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 32954

Re: Can anyone suggest any good travel forums?

I personally like Travelblog.

http://www.travelblog.org/
by OnBoard
Wed Jul 10, 2013 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Can anyone suggest any good travel forums?
Replies: 20
Views: 2021

Re: Money Market or High Yield Savings

This is a no-brainer for me: the savings account is safer since it has FDIC insurance, and because MM accounts can lose money. If writing a check is important to you, open a parallel checking account and keep a little money in it. In an emergency you can transfer from savings to checking and then w...
by OnBoard
Thu Jun 20, 2013 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money Market or High Yield Savings
Replies: 12
Views: 832

Money Market or High Yield Savings

We are planning to move our emergency fund from a large national bank to Ally. I would like some feedback on going with a Money Market vs. High Yield Savings account. Both currently offer the same interest rate (according to Ally this has been the case since late 2009). I'm leaning toward a MM as it...
by OnBoard
Thu Jun 20, 2013 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money Market or High Yield Savings
Replies: 12
Views: 832

Re: Paid off mortgage today

Congrats! Huge accomplishment. Take a moment to let it sink in... then celebrate.
by OnBoard
Tue Jun 11, 2013 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 73
Views: 6005

Re: Shopping for home purchase loans - internet vs local

In my experience, Internet fees have been considerably less, but the customer service has been lousy.

I went with AimLoan over my credit union.

Good luck.
by OnBoard
Sun May 05, 2013 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Shopping for home purchase loans - internet vs local
Replies: 8
Views: 881

Re: Hot water heater question

Do you have a home warranty policy? If so, water heaters are covered.
by OnBoard
Wed Mar 13, 2013 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hot water heater question
Replies: 34
Views: 2354

Re: 529 which state?

After a great deal of research I went with the Utah plan as my state didn't offer a tax benefit.

Good luck.
by OnBoard
Tue Mar 12, 2013 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 which state?
Replies: 25
Views: 1968

New Year's Resolution: Become a Boglehead

My New Year's resolution this year was to become a Boglehead. I have read the wiki and many of the books recommended throughout the forum and am now ready to move forward. Many experienced posters recommend contributing to an employer's 401K plan up until the match, and then maxing out Roth IRAs, th...
by OnBoard
Mon Feb 18, 2013 1:40 am
 
Forum: Investing - Help with Personal Investments
Topic: New Year's Resolution: Become a Boglehead
Replies: 1
Views: 235

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