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Details: * Performance level now: Meeting the grade level standard. * Performance level next goal: Exceeding the grade level standard. * Currently at home our daughter spends 15 mins every day on maths doing one worksheet from edhelper.com. * We spend another 15 minutes every night with her on math...

Please comment.

Thanks.

Sienna:
* MSRP $33,700 + Tax.
* 2013
* LE
* 7 Passenger
* AWD
* Engine: 3.5L V-6 cyl
* City MPG: 16
* Hwy MPG: 23

Please comment.

Thanks.

Loan:
* PenFed
* Not yet a member of PenFed
* Loan: $35,700
* Term: 5 years
* Interest: 1.49%
* Monthly: $618
* Total interest: $1,370

Please comment.

Thanks.

Looking for:
* AWD/4WD
* 7 Seats
* V6

Sienna:
* 2013
* LE
* 7 Passenger
* AWD
* Engine: 3.5L V-6 cyl
* City MPG: 16
* Hwy MPG: 23

Please comment. Thanks. Lexus: * 2002 * RX 300 * AWD * V6-3.0L (1MZ-FE) * Miles 93,000 Estimate: Timing belt 89.00 Fan belt 51.00 Fan belt 14.00 Waterpump 183.00 Timing belt tensioner 94.00 Coolant 30.00 Labor 94.00/hr * 4.5 hr 423.00 Labor total 423.00 Parts total 461.00 Sub-Total 884.00 Parts tax

I have edited original post based on responses.

Thanks.

* Do not plan to pre pay. * Don't know for sure when we will be out of this house. * See a rate difference of 1%. * Difference in monthly payments will go to overall AA of 60 stocks 40 bonds. * Loan Amount: $310,000.00 * Property Type: Condo (townhouse) * Marginal Tax rate: 15%. * Emergency fund: Ye...

1. The timing to increase Equity risk - when the S&P 500 is up 18% for 1-year through August 2012 - is suspect to say the least.

How to decide when is the good time?

how many times annual expenses have you accumulated.

6 times.

Just locked today at FIB. No cost 30 year at 3.50%

FIB doesn't offer 30 year for condo.

When did you lock this?

In May.

just surprised that the rate would be so much more favorable that quickly.

Refi closed on Sep 19: 30 yr fixed. 3.875%. No cost.
New quote: 30 yr fixed. 3.375%. No cost.

What's the rationale for refinancing that soon ?

Rate difference of 0.50%.
No cost ( Closing cost = Lender credit )

Lender 1 Refi 1: * Closed on Wed Sep 19. * Lender 1 imposed waiting period of 90 days for next refi. Lender 2 Refi 2 quote comments: * We will have to wait until your loan gets assigned with the lender and you receive your first mortgage statement. * You will probably not receive your first stateme...

10% added Equity risk would not mean too much..... UNTIL Equities drop 50% and your portfolio declines 35%. Should we expect at that time a thread saying: I want to go from 70/30 to 50/50? if you change to 70/30 and stocks drop by 35%, are you sure you'd rebalance to keep that AA? If I change to 70...

Question is, what is your need of portfolio risk?

Don't know.

Risk increase by 10%:
Need: Don't know
Ability: Yes. Not planning to use the money till retirement age.
Willingness: May be Yes.

if you want to do it because stocks are so good right now. No. What has changed in your situation or your thoughts about your financial plan since you decided on 60/40? Situation: No change. Thoughts: More reading. Risk increase by 10%: Need: Don't know Ability: Yes. Not planning to use the money t...

Thinking of changing AA from 60/40 to 70/30. Your comments. Thanks. Age: 41 Marginal Tax rate: 15% Emergency fund: Yes Debt: Mortgage AA: 60 stocks 40 bonds All Vanguard Account types: 401k, Roth and Taxable Me and spouse employed full time Now 60/40: AA 60 stocks 40 bonds 27% Intl stocks = 13.5% la...

I have very limited understanding of state employee's retirement system. Source: "Benefit Guide for State Employee's Retirement System" ( Retirement Allowance ) = ( Annuity ) + ( Pension ) Annuity: Contributions that are deducted and deposited in an annuity savings fund. The interest that ...

Source: "Benefit Guide for State Employee's Retirement System" ( Retirement Allowance ) = ( Annuity ) + ( Pension ) Annuity: Contributions that are deducted and deposited in an annuity savings fund. The interest that accrues is the average interest paid on savings accounts from a sample of...

How do I search for local govt jobs?
Thanks.

What is the process of getting a federal job?
Is it possible to go through the process without my current employer knowing about it?
Thanks.

I have no understanding of federal jobs. My understanding of benefits of federal job over private sector job: * Pension * Health benefits in retirement * Job security My usajobs.gov Occupational Series: Information Technology Management (2210) Age: 40 Me and spouse happy with current permanent full ...

Your turn. What do you like?

Now I am thinking of new camry because of these reasons.

* Interior Dimensions. Family of four.
* Traction. Snow and rain.
* Awards. http://www.toyota.com/camry/awards.html

1) What does the rest of your portfolio look like? 2) What is your top marginal tax rate (fed + state)? 3) If you're going to put 40% of cash-out into bonds, why not leave that equivalent amount of equity in your house where you have a guaranteed 3.875% pretax return? 4) What is your investment hor...

Does it make sense to cash out? Cash out will go in taxable at overall AA of 60 stocks 40 bonds. I have not yet asked for the new loan terms with cash out. Locked rate terms: No cash out Loan amount: 312,000 30 years 3.875% Lender credit: -2,300 Closing: 1,900 Government recording charges: 330 Appra...

I have no prior experience in this area. We live in a condo townhouse. We saw two water stains on ceiling on both sides of fireplace chimney. Fireplace is never used. There were few days of windy rain. We called condo property management company. They called a contractor. Contractor said he will be ...

Your comments please.

Thanks.

Is there any other lender website I can check for quote better than amerisave. Thanks. amerisave.com: 30 Year Fixed 4.000% Lender Credit: $2,731 Credit Towards Closing Costs ($2,729) Closing Attorney/Agent, Appraiser, Title Insurance, & Credit Reporting: $1,863 Total Closing Costs ($866) Governm...

Best of luck with whichever way you go I will not be taking any action. I have asked this question only to learn about this subject. at a 15% marginal tax rate, you are not getting a huge benefit from the mortgage deduction I think it is 15% because of mortgage interest deduction. It was 25% before...

My understanding is limited about this topic. Does it make sense to keep mortgage LTV=80% forever by cashing out whenever LTV < 80% ? One benefit of LTV = 80% is No PMI. Your comments please. Thanks. Age: 40 Marginal Tax rate: 15% Emergency fund: Yes Debt: Mortgage AA: 60 stocks 40 bonds Me and spou...

amerisave.com: 1) 30 Year Fixed 4.000% Payment 1,497 Lender credit 1,809 Total Closing Costs 55.58 Government Taxes and Fees 325.00 2) 5 Year Fixed, ARM 3.000% Payment 1,322 Lender credit 3,365 Total Closing Costs -1,500.64 Government Taxes and Fees 325.00 Condo townhouse. Planning to stay in it fo...

Your comments? Amerisave.com quote : 30 Year Fixed 4.125% Lender Credit $-1,858 Principal & Interest $1,588 45 day rate lock Primary Residence Condo 1 Story ( Townhouse ) Last Refi: 2011 Oct Current Loan: 30 Yr Fixed Principal Balance $327,558 Interest Rate 4.375% Principal & Interest $1,637...

Did you sell at a loss or gain?

11/28/2011
Sell at a loss
VANGUARD TOTAL INTL STOCK INDEX FUND ETF

Thanks.

I am new to TLH. My understanding is this is not a wash sale. Can you confirm? Thanks. 12/02/2011 Buy VANGUARD FTSE ALL WORLD EX US ETF 11/28/2011 Sell at a loss VANGUARD TOTAL INTL STOCK INDEX FUND ETF 10/05/2011 Buy VANGUARD TOTAL INTL STOCK INDEX FUND ETF 09/29/2011 Sell VANGUARD FTSE ALL WORLD E...

Do you want something close to market weights, or do you really want to overweight some regions?

How do others decide?

Edited original post based on the response.

Thanks.

This question is for 13.5% large blend international stocks in Taxable . Total International Stock VXUS 100% (Cannot use FTSE All-World ex-US VEU because of recent TLH) Or MSCI Emerging Markets VWO 33% MSCI Europe VGK 33% MSCI Pacific VPL 33% Age: 40 Federal Marginal Tax Rate: 15% AA: 60 stocks 40 b...

Any more comments?

Thanks.

Sell
Cost basis method: Specific ID (SpecID)
Continue
Available lots
Cost Bais Reportable to IRS: No

What is the meaning of "Cost Bais Reportable to IRS: No"?

Thanks.

Cost basis method: First In, First Out (FIFO)

Should I keep it same or change it to Specific ID (SpecID)?

For now I keep no track of transactions.
I will sell all if that means I will not have to keep track of transactions.
Is it the right thinking?

Thanks.

What is the difference between selling all or selling partial?

Do I have to keep track of any transaction or it will be automatically reported in tax form?

Thanks.

This is my first TLH. Taxable Account: FTSE All-World ex-US VEU Large-Cap VV Dividends: Cash Capital gains **: N/A Cost basis method: First In, First Out ( FIFO ) ** your dividend election will automatically apply to your capital gains as well. Sell: FTSE All-World ex-US VEU Buy: Total International...

Done till now: * Submitted application * Paid $300. This will be paid back at closing. * Locked rate and lenders credit. * Paid $100 to HOA to get documents (No litigation etc.) * Mailed all documents ($20) * Appraisal done Does it make sense to get out of it now ? On Amerisave.com: 30 Year Fixed 4...

Any reason I should not proceed ? My Understanding of mortgage products is limited. Age: 40 Federal Marginal Tax Rate: 15% Purchase Price: 448,000 Refinancing an FRM With Balance Pay-down http://www.mtgprofessor.com/calculators/Calculator3f.html Expected Years in House: 20 Current Value of House: 41...

My understanding of mortgage products is very limited. Uniform Residential Loan Application Fannie Mae Form 1003 Page 2 of 4 V. Monthly Income and Combined Housing Expense Information Combined Monthly Housing Expense Proposed Hazard Insurance $18.92 Federal Truth-In-Lending Disclosure Statement This...

you bought a house while married and are now divorced. Correct? I am not divorced. So I'll guess the lender will make you remove the other person from the title, even if it's just for a day or so when the loan closes so the loan matches the title. You can then restore joint ownership by filing a si...

My understanding of mortgage products is limited. Will a new lender let me do this on refinance? * I be the single borrower * Don't have spouse as co-borrower * Title will be held in what Name(s): "My Name and Spouse Name" * Manner in which Title will be held: "Joint Tenants" Cur...

Is Hassle enough reason not to proceed? Pro: Rate of Return on Cash Investment vs. Current Loan: 25.46% Con: Hassle, hassle, hassle. Refinancing an FRM With Balance Pay-down http://www.mtgprofessor.com/calculators/Calculator3f.html Information About You Expected Years in House: 20 Current Value of H...