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Don't know much about it my self but worth looking into. The government has a program caled 'pay as you earn'.

http://finance.yahoo.com/blogs/the-exch ... 41665.html

I am by no means an expert when it comes to annuities. They sure do come with a lot of fees though.
Your post was lost at the bottom so I thought I would bump you to the top to get some expert advice from the forum.

I don't know what's in their secrete sauce, but I can't say enough good about Fido in meeting my needs. I am a boglehead and I use Fidelity. (Sounds like I am at an AA meeting). They have exceeded all my expectations. I have enough there to be assigned a representative to act as a sounding board. I...

I would look at refinancing before considering payoff. A no-cost refi will make it irrelevant whether he keeps the property or not. Brian Thanks Brian. Sounds like it's a no cash refinance essentially? If you have a good resource link, please send. I googled "no cost refi" and saw article...

Mrs Wilkes. A family style resturant. The locales will know it.

It is tough to find places to refi small principal loans. The minimum Amerisave.com will refi is $50,000. But I came up with a creative solution for you. If you do a cash out refi for $50,000 (taking out 5k in equity) you can get this 15 yr loan: $50,000 for 15 year @ 3.375% with APR 3.957% and ~$1,...

Hello allna! Welcome to the forum. I bumped your post to the top. There are plenty of smart people here with opinions for you.

I would refi and would not look back. BUT BUT BUT BUT (was that a big enough caveat 8-) ). Don't just limit yourself to penfed. People here seem to have this love affair with penfed but they charge a 1% origination fee which is $4,000 for you. That would be a deal killer for me when there are better...

If you are tight on cash, $2,000 will get you some thing very nice. Don't fall for some cookie cut 2 months salary or particular minimum carrot size etc. 1/3 of anyones annual salary is insane... I spent $3,800 on my wifes and think I spent way to much. I got caught up in the 5C's hype (cut, clarity...

For such a small bungalow I would get it resided, your choice of materials, vinyl We just did it and have NO regrets at all. I spent 2-3 times as much on mechanical improvements (furnace etc) No one has complemented me on how even the heat is throughout my home but every neighbor cas commented at h...

As someone who has moved 24 times, please take my advice on this: It is almost never, ever, worth moving furniture if you are going more than 500 miles. You can get to the destination and typically buy *brand new* furniture cheaper than it cost to pack, move, and unpack the old stuff (which also ma...

As someone who has moved 24 times, please take my advice on this: It is almost never, ever, worth moving furniture if you are going more than 500 miles. You can get to the destination and typically buy *brand new* furniture cheaper than it cost to pack, move, and unpack the old stuff (which also ma...

From my experience, shopping around was worth it. I agree. Funny how paying thousands of dollars out-of-pocket nudges you to do your due dilligence. I went to https://www.protectyourmove.gov and learned alot. :happy I am: -Trying to get references from people who used them. Hence this post. :happy ...

We decided to use a direct-mover and not a broker. The 3 we are looking at are
a) Two Men and a Truck.
b) Men on the Move.
c) EZ Moving and Storage.

If you have experience with any of these three I would love to hear about it.

Hi Soylentgreen,
Try posting in this format. viewtopic.php?f=1&t=6212
I think you will get more responses.
Snow Boarder

Victoria, The trucks have been: 16 foot, 22 foot and 26 foot for various moves. The first time was a 22 foot--you should have seen me!...especially going thru the Chesapeake Bay Bridge toll booth!....and then going to Florida in 26 foot through the Chesapeake Bay Bridge Tunnel....BUT, I succeeded!!...

gkaplan wrote:I think the last choice should be inter-state, not intra-state.

Thanks gkaplan. I edited the original post.

My wife and I are going to be moving from Michigan to South Carolina this summer. We are trying to decide who we should have move our possessions. This is not a corporate backed move so we are picking up the tab for the moving costs. I have found out that there are movers and brokers and am trying t...

I use fidelity too. I had looked into this same topic way back when. The fidelity customer service group said that I needed to rephrase the question from "why doesn't fidelity offer the admiral shares on their website?" to "Why is it that Vanguard doesn't allow fidelity to sell admira...

14 out of 15. I guessed common for preferred stock/common stock repayment question. I used to know the individual stock type questions but since I became a 100% indexer I lost my edge in that game. I think it was a good trade-off.

Hello Bogleheads, 17 bogleheads made it to the April 20th meeting. It may have been our best yet as we tweak the format a little bit each month to make it a better experience for you. There was one topic and plenty of time available for Q&A/comments while Keith led us through the discussion on I...

I fail to see how recasting is that helpful as I'm not really looking to lower my payments my idea if I choose that route would be to pay off the loan quicker (ie. make a large principal payment to reduce # of years to payoff)?? It will be the same interest rate and you can pay extra principle to r...

CMartel2 wrote:Just based on the number of times I've been asked for a previous year's tax returns, I think it makes sense to go ahead and file even if your income level doesn't require you to file.

+1 I definately agree that filing is in your best future interest.

I got some cash out as I thought I needed it to help our mother-in-law move turns out may not be needed. So at closing they gave me $132,000 If you decide to put the money back into the principle call the lender before you do it. Tell them you want to "recast" the loan based on an unsched...

The actual loan amount increased. The fees/etc remain the same.. The lender provided a Changed Circumstance Details form indicated that "Loan-to-value increased due to a lower appraised value". This form also required my signature. My Loan-to-value is 62.5%.. I don't think it's low? I wou...

Today, I received another call/email from this lender that I need to sign another GFE. The loan amount has increased $4000. Did you ask him what the increase of $4k was from? What was the new loan balance & closing costs on the 1st GFE? What was the new loan balance & closing costs on the 2...

I want them to show me the best exercises for me and make sure that I do them correctly. Once that is done, should be no more than 3 to 4 visits, you should be on your own to do exercises at home. However, most therapists see us as an annuity, continued visits and payments. I too have had alot of P...

First and foremost, I am sorry for your loss but I am glad you found this site. There is alot of knowledge here. Mostly you will get good advice and a little bit of well-intentioned advice that is a little off-the-mark for your personal situation. Manythings here are laced with the commentors opinio...

Does anyone know of an inexpensive way to draft a Limited power of attorney document. There is a house closing that is out of state that we can not attend. Want to give LPOA (for this event only) to a family member so they can sign the papers for us. Are legalzoom.com or nolo.com etc. a good option....

[Duplicate thread, merged with below --admin LadyGeek] Hi Bogleheads, A close friend of mine needs to create a Limited Power of Attorney (LPOA) document. It will be for 1 event; sign the papers for the closing on a house that they can not attend. She (my friend) will have read an advanced copy of t...

One thing to keep in mind is that a credit card with a balance, has no grace period. Every new purchase gets charged interest from day one. Accordingly, you should not use that credit card for new purchases. Either pay cash, or use another card. Jeff +1 They can really get you if you are not carefu...

archbish99 wrote:

Snow Boarder wrote:I have to credit cards.

No one has to. They choose to.

Sorry for the typo. I choose to have 2 cards.

I am not retired yet so I don't have any real world experience with the topic.

But it seems to me like there is dissension in the ranks of the retirees on this one.

I have to credit cards. One for everyday spending which every thing goes onto with a self directed $4k limit. I have had this card since 89 and the last time they up'd the credit limit without me asking for it I told them to leave the limit at $4k please. Yeah I have to pay on it mid cycle here and ...

spent 2600 dollars to fix car, runs good for now. bought it just over 30K 10 years ago, so assuming scrap value to sell it at. works out to 3K per year for 10 years. so 2600K for just one year, plus lower carry costs of insurance and car tax, I think its worth it, 2 more years definitely worth it, ...

By the time I get it done, it won't even benefit me on the tax side (bunching), but I still like having the control of it, to get rid of the buffer, and earn a little interest on the side. I like the control too. It gives me a little extra cushion for unexpected spending hiccups. Stuff that needs n...

I normally pay my own taxes and insurance and it was a free option.

This refinancer wants to add .125 to the interest rate. Is it worth paying $10/month for a $120/month increase in cash flow.
Basically a $1,600 "personal escrow" account.

We're in the midst of refinancing, so I had to make the lock/float decision about 3 weeks ago. 1) Assuming you have run the numbers and are comfortable with the costs and current rates, I would lock. 2) If floating the rate is keeping you up at night, I would say the risk you're taking is too high....

hand wrote:Prioritize the car loan - cash flow improvement from paying off early comes in less than 56 months vs. 20+ years for the mortgage.

+1

If you want to time a little bit, check where it has been lately, pick a number on the low end of that, and wait for that number to come around again. Volatility means it's likely to come back, but you take the risk of having the market move away from you. I do not lose a wink of sleep over my AA o...

I am in the process of buying a new home My question revolves around locking in an interest rate for a 30 year fixed morgage. As a true bogle head I don't do any market timing at all with my MF investments however day to day interest rates are volitile and locking in an interest rate seems to be a m...

You may want to consider Term-Life insurance to alleviate the need to liquidate your holdings.

Never used it.

Hello Bogleheads,

The next Detroit Metro Bogleheads meeting is just 2 weeks away.

See you there,
Snow Boarder

P.S. There is free parking on Saturdays in the farmers market parking lot (across Troy street on the east side of the library).

What is the purpose of the blog? I've set up blogs with both Blogger and self-hosted WordPress. If it's just something basic, like to share photos and keep family updated with your life, or chronicle your travels, then blogger should be okay. For anything professional or if she is really serious ab...

Hi Bogleheads, Can anyone give me some direction on where to go to create a blog for my wife? This will earn me some major points with her. :thumbsup It was casually mentioned this morning as 'Wouldn't it be nice if we had a blog for this' which is her really nice way of saying 'Will you set one up ...

Straight average of 0.15
Weighted Average of 0.096

bungalow10 wrote:I changed my deed to include my husband during our last refinance. It cost an extra $100 in recording fees.

I added my wife to the title & mortgage during our last refinance too.

Bearish Bogle,

Anyone can come to the meetings. Just send an rsvp to me at detroitbogleheads@yahoo.com I will also add you to the email distribution list.

With 20ish people coming to the meetings, the rsvp helps ensure there are enough seats in the room.

Snow Boarder

Like them or not Fidelity Advantage Class now have ERs and Investment Minimums not comparable but exactly equal to Vanguards Admiral Class. I looked up in the Fidelity prospectus the ERs for Rick Ferri's Core Four Portfolio. They are identical. 0.06 Total Stockmarket 0.18 Total International Stockma...