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by Savvy
Fri May 01, 2015 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

OP, Does your community have Swimming pool or tennis courts or a community hall? Normally HOA handles and maintains those and charges a monthly or yearly fee for each resident of the community. If you have been living in this community for some years but have no idea of HOA then I assume there is n...
by Savvy
Fri May 01, 2015 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

Thanks everyone for your feedback. Really appreciated. At this point, in order to keep things on topic, feel free to provide any additional comments on actions that I can or cannot take to further pursue this issue.

Thanks!
Savvy
by Savvy
Fri May 01, 2015 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

Can anyone explain why you would have a for sale sign but not be interested selling the house? Taxes. If he were to sell it he could claim that is was a residence as long as he was trying to sell it while it was rented. That way he gets the residence exemption for capital gains in selling a house. ...
by Savvy
Fri May 01, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

jfn111 wrote:I would give the agency a call and ask them why their sign is in front of a house that isn't listed in MLS?


Thanks for the comments. I will be sure to do that. One of our neighbors has made the company aware, but I would be curious myself.
by Savvy
Fri May 01, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

Hi Bogleheads - hopefully you can offer some good insight. Sorry for the long story. We live in a regular neighborhood (all houses), lots of families, low crime, etc. Not a hot market but not a down market either. The house next door has a big realtor "For Sale" sign out front through a r...
by Savvy
Fri May 01, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

Could it be that he just wants to have his sign out for those driving by as an advertisement for his real estate services? Obviously kind of backfiring if he wants people in the neighborhood to hire him, but maybe that's what he's thinking? Thanks terran. That could be the case. We have wondered if...
by Savvy
Fri May 01, 2015 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

Can anyone explain why you would have a for sale sign but not be interested selling the house? What do you think is unethical? It just seems like a crappy business practice. The only thing I can think of is that he is trying to do something to cut out his agency but that seems like a very high risk...
by Savvy
Fri May 01, 2015 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

I dont know what he is trying to achieve by advertising it as for sale but renting it out. So what exactly does the sign bring him I would do most of the following: 1. Let his broker company know about this 2. Check with HOA to see if anything can be done 3. Have your friend send a written offer th...
by Savvy
Fri May 01, 2015 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

Re: House Next Door for Sale...Kind Of: Ethics Issue?

Is he violating any provision(s) in your HOA? If not there isn't much you can do. Thanks for the comment. Good question. However, I thought HOAs only existed in townhomes / condo complexes, not residential areas with all houses. For example, I don't pay any HOA fees. Sorry - not very knowledgeable ...
by Savvy
Fri May 01, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 5278

House Next Door for Sale...Kind Of: Ethics Issue?

Hi Bogleheads - hopefully you can offer some good insight. Sorry for the long story. We live in a regular neighborhood (all houses), lots of families, low crime, etc. Not a hot market but not a down market either. The house next door has a big realtor "For Sale" sign out front through a re...
by Savvy
Fri Apr 24, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 83
Views: 6749

Re: Marginal benefit of spending more on car

Buy a used 2010 Honda Civic for the same reason we did (as our only car):

Cheap, Safe, Reliable, and Fuel Efficient.

What else could you need?
Savvy
by Savvy
Sat Mar 07, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 5
Views: 589

Re: Balancing Savings Goals

Hello! You guys are doing fantastic! Same advice I try to tell other young married couples - best investment you can make is investing in your marriage. Outside of that, try to find joy in cheaper things. A nice walk, playing sports outside, reading a book, going to the library, etc. Saving can be p...
by Savvy
Sat Mar 07, 2015 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand my overall GMAT score
Replies: 3
Views: 780

Re: Help me understand my overall GMAT score

The key factor in Composite score is corresponding percentile. Perhaps, the difficulty level of second test is slightly lower compared to first test. Therefore, your composite scores although higher, relative to others it was 5 percentile points lower. Hence your aggregate score which is essentiall...
by Savvy
Sat Mar 07, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand my overall GMAT score
Replies: 3
Views: 780

Help me understand my overall GMAT score

Hi all, I am taking the official GMAT exam in a few days - I have been taking Kaplan computer-adaptive practice exams the last few weeks. Last Week: -Quant: 50 (89th percentile) -Verbal: 31 (61st percentile) Total Score: 700 (89th percentile) Today: -Quant: 50 (88th percentile) -Verbal: 35 (76th per...
by Savvy
Tue Mar 03, 2015 6:42 pm
Forum: Investing - Theory, News & General
Topic: 529 Savings for MBA
Replies: 11
Views: 1038

Re: 529 Savings for MBA

QuackAttack - Welcome!

Not much advice to add. However, I am also curious in answers since I will be paying for an MBA in the coming years.

Good luck!
Savvy
by Savvy
Thu Feb 19, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 5268

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

Responding as a complete newb, what about a Lenovo that is 5+ years old? Still at risk? I'm sure some tech website will be posting precise instructions on how to determine if your machine has the problem. The crux of the problem is the adware called Superfish that installs its own root certificate ...
by Savvy
Thu Feb 19, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 5268

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

Responding as a complete newb, what about a Lenovo that is 5+ years old? Still at risk?
by Savvy
Wed Feb 18, 2015 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score got hit hard
Replies: 41
Views: 4167

Re: Credit Score got hit hard

Sorry to hear. I would strongly recommend you place all credit cards on autopay for this exact reason - one less thing to worry about and forget to do.

You may be able to call and resolve, I think there was a thread on this recently.

Good luck!
Savvy
by Savvy
Tue Feb 10, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 7136

Re: Is "Financial Independence" the new "Retirement?"

This article from Money pulled a few concepts together for me that I've been reading and writing a lot about. It's called "Forget About Retirement Planning for Millennials." http://time.com/money/3686209/retirement-planning-millennials/ I thought it would take the stance that Millennials ...
by Savvy
Thu Feb 05, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5516

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

We just bought a house in April of 2014. We followed the article below very closely and it has been incredibly helpful:

http://www.mrmoneymustache.com/2013/09/ ... y-a-house/

Good luck!
Savvy
by Savvy
Sat Jan 31, 2015 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 27
Views: 2258

Re: Do you respond to recruiters contacting you?

In my field, not because of my talent, I get at least 10 emails & calls per week for other job opportunities. I now always ignore them.

Recruiters get a huge bonus if they move me to another company, they usually don't care if it's a good fit.
by Savvy
Sat Jan 31, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 583

Re: Why would I want to contribute to Trad. IRA over Roth?

TIAX wrote:What's your state income tax rate?


7.05%
by Savvy
Sat Jan 31, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 583

Re: Why would I want to contribute to Trad. IRA over Roth?

Thanks Sev - very helpful. Sounds like we should keep it simple and continue with Roth.

bogleblitz - I have actually not seen that specific wiki page before, so thank you! That pretty much sums up what I was looking for!
by Savvy
Sat Jan 31, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 583

Why would I want to contribute to Trad. IRA over Roth?

Hey BHs, Somewhere in this story I am surely making errors in assumptions but I don't know where! Please correct anything below that seems wrong. Trying to simplify our story: --Adjusted Gross Income of $96K --Taxable Income of $74K --DW and I both have retirement plans at our workplaces --We haven'...
by Savvy
Wed Jan 28, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5626

Re: What age did you move out?

I married my DW at age 22 just 9 months post-college for us both. (We're now 25).

Had I not gotten married, I would probably still be living with my parents to save money.
by Savvy
Sat Jan 24, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4577

Re: Half off TurboTax thru Monday

I'm more lurky than posty, but since I haven't seen this posted anywhere yet, here goes. At the risk of being a shill for Intuit, it looks like all versions of 2014 TurboTax can be had for 50% off for the next few days. If this can be combined with their recent $25 rebate (not sure about that), tha...
by Savvy
Wed Jan 21, 2015 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 10674

Re: HSA... any receipt savers?

We save receipts. Have never withdrawn from our HSA. Good idea from tludwig23.

How do you get reimbursed? I remember our employer mentioning this a couple of years ago but I never learned how to get reimbursed.
by Savvy
Wed Jan 21, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a raise? If so, how?
Replies: 11
Views: 1176

Re: Should I ask for a raise? If so, how?

My two cents: --If you are underpaid, mgmt already knows that so no need to compare to others. --Are you delivering more value than you are being compensated? If so, go talk to your manager and explain why you are worth more. The strength of your argument also depends on whether or not you are willi...
by Savvy
Tue Jan 20, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3637

Re: Honda Civic vs Fit Safety Question

tennisplyr wrote:Have owned Civics for a few years and love them. They are roomy enough (I'm 6') and I feel safe in it. On a recent long trip I got around 40 mph and it's not a hybrid. Don't have personal experience with a Fit.


That's not very fast... :D
by Savvy
Tue Jan 20, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Newly Married: budgets, loans, and investments oh my!
Replies: 9
Views: 1048

Re: Newly Married: budgets, loans, and investments oh my!

Congrats!!
We're also 25 and married.

The best advice I have is that investing in your marriage will provide a better return than anything else. Fight for it and invest in it every day.

Savvy
by Savvy
Thu Jan 15, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my mortgage re-fi loan mid-way?
Replies: 9
Views: 509

Re: Should I cancel my mortgage re-fi loan mid-way?

@walletless If you go with 3.5% and if you let $450 forgo, you will be break even in almost a year. It seems to be worth it if you are going to stay there for 8-10 years. I would suggest you pull the plug from the first lender and inform him to stop your application, he might re-lock you at 3.5% at...
by Savvy
Thu Jan 15, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 16641

Re: Amex Fidelity CC 2% Cash Back

Every time my Fidelity Amex hits $50 in rewards, it automatically gets sent to my "brokerage" account at Fidelity (which stays empty). Once that transfer occurs, I simply transfer that amount to my bank. Very easy. Are we talking about the same card? I don't think I have to wait for $50 t...
by Savvy
Wed Jan 14, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Another refinance question
Replies: 6
Views: 668

Re: Another refinance question

Middle of last year, I closed on a 260K mortgage at 4.25%. I paid $1300 to get this interest rate since I thought hey, I'm buying this for the long term and interest rates have nowhere to go but up, right? Fast forwrd a few months and interest rates have gone lower. My mortgage broker is offering m...
by Savvy
Wed Jan 14, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 16641

Re: Amex Fidelity CC 2% Cash Back

Keep in mind that there is also the Quicksilver Visa (from Cap One I think), at 1.5%. A bit less than 2.0% of course, but not bad, and a Visa rather than an Amex. The reward can be applied as a statement/balance credit - pretty easy to do. (i.e. You go online, click a few things, then your $50 or w...
by Savvy
Tue Jan 13, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1300

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

Update: We have locked in a 3.875% rate (30 year fixed) at Amerisave getting a $77 credit for this rate while owing about $1,500 in fees (appraisal, title, etc.). Our loan originator seems like he'll be great. I'll be sure to provide additional updates as I complete the application and finish the lo...
by Savvy
Wed Jan 07, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1300

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

Check out Amerisave.com. I ran the numbers on their site and you can get 3.75% on a 30 year fixed with a monthly payment of $676.15 on a $146,000 mortgage. Their closing costs are only $1,512.78, so your break even is only 14 months. I used them to refinance in May of 2013. My only gripe was that t...
by Savvy
Wed Jan 07, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1300

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

I don't think it will really payout unless you shorten the term. We did and it did. We did catch the rates really low but we don't have to worry about interest rates now since our house was paid off 14 years early. Thanks! Good advice - we may use the saved monthly payment amount to pay extra to pr...
by Savvy
Wed Jan 07, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1300

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

4strings wrote:this morning, I refinanced a 30 year from 4.25% to 3.625%...absolutely worth it.


This is good encouragement...thanks!
by Savvy
Wed Jan 07, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1300

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

A $150,000 mortgage at 4.75% over 30 years should have a payment of $782.47. Total interest over the life of the loan will be $131,690, $7075 of which was paid in year one. That means from "now" until payoff, you'll pay another $124,615 in interest. If you refinance at 3.75% (which I beli...
by Savvy
Wed Jan 07, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1300

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

Why so high rate? Was it zero cost? What costs are you trying to "payback"? Consider a zero cost 15 year or even a 5/1 or 5/5 to lower interest rate if you can accelerate payments. http://economistsoutlook.blogs.realtor.org/2013/08/05/reflecting-on-the-30-year-fixed-rate-mortgage/ https:/...
by Savvy
Wed Jan 07, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 41
Views: 3524

Re: Can we afford to buy a home?

Realistically we would like to start to seriously consider buying a home at the end of this year/early 2016. This is how our financial breakdown potentially will look like after adjusting tax deductions due to filing jointly + pay increases. Income: $75k-82k (she works on commision) Debts: 2.34% au...
by Savvy
Wed Jan 07, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1300

Refinance 4.75% 30-YR Mortgage? $150K Loan

Hello all! My wife and I purchased a home in early 2014 with 20% down. We have a 30-YR fixed mortgage at 4.75% with about $146K remaining on the loan. We plan to stay in the house at least 10 years. Our credit scores are around 740 - 745. We have the cash available to pay for refinance costs (if it ...
by Savvy
Thu Jan 01, 2015 10:31 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 160
Views: 16370

Re: Bogleheads 2015 Hedge Fund Contest

Name: What the Hedge?

Long:
Google GOOGL
Abercrombie and Fitch ANF
Bank of America BAC

Short:
Best Buy BBY
Amazon AMZN
Hewlett-Packard HPQ
by Savvy
Tue Dec 30, 2014 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Question
Replies: 10
Views: 1061

Re: Mortgage Question

going from 30 year fixed to 30 year fixed. Current rate is i believe 4.15% Penfed is offering 3.625 at 0 points and 3.375 at 1.5 points. Plus 1% origination fee and no credit for closing cost. Not the best rate+fees IMO. https://penfed.org/30-Year-Fixed-Mortgage/ I am very interested in the discuss...
by Savvy
Mon Dec 29, 2014 5:36 pm
Forum: Personal Consumer Issues
Topic: Faking your way through sports small talk
Replies: 34
Views: 2144

Re: Faking your way through sports small talk

Average sports fan here. I only follow one sport and only follow one team within that sport. I would recommend reading the sole "Sports" page on the WSJ. Offers great conversation pieces and interesting tidbits. For example, the main piece a couple weeks ago was about how Andrew Luck (a qu...
by Savvy
Sun Dec 28, 2014 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 1011

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

Just wanted to follow-up: I had a FANTASTIC experience visiting the island with a personal tour from our Boglehead Raybo. If you are ever going to visit Alcatraz, I would very strongly recommend contacting Raybo in advance so see if he can personally show you around Alcatraz. Feel free to let me kno...
by Savvy
Thu Dec 18, 2014 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 1011

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz. Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island. I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company. Wow, fantast...
by Savvy
Thu Dec 18, 2014 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 1011

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz. Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island. I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company. Wow, fantast...
by Savvy
Thu Dec 18, 2014 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 30
Views: 2954

Re: Having my year end review with my manager, what to expec

So.. the review went well.. my manager had alot of good positive things to say.. our company did well this year, really well and they made me believe that we would get a big bonus and raise... but after the end of the review I was told I get a 1% raise and a 4% bonus... so the raise pretax is 610$ ...

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