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Re: Foreign film night recommendations.

A second vote for Three Idiots (http://www.imdb.com/title/tt1187043/?ref_=fn_al_tt_1)

Also, Lock Stock and Two Smoking Barrels (http://www.imdb.com/title/tt0120735/?ref_=fn_al_tt_1)
by hand
Fri Feb 27, 2015 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 6079

Re: UGA: Locking in the Current Price of Gasoline

Would you sell a small portion of the fund every time you filled up the gas tank? I would be cautious about the time required to manage, costs associated with the fund, and the tax drag / accounting hassle. Perhaps it is worth reconsidering the goal: 1) by reconsidering how much gas/oil you use both...
by hand
Fri Feb 20, 2015 9:57 am
 
Forum: Investing - Theory, News & General
Topic: UGA: Locking in the Current Price of Gasoline
Replies: 15
Views: 1244

Re: Best Condo Sell Strategy?

Consider ways to publicize that the property is available for the right price without formally listing. Strategies I have used / heard of include: 1) a pocket listing with a well known local agent 2) listing a make me move price on Zillow and similar sites 3) talking to buyers agents with purchases ...
by hand
Thu Feb 19, 2015 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 900

Re: Early rental lease termination - what is reasonable?

Ugh, don't agree to take the security deposit in lieu of rent - what happens if there are damages to the property? Take the extra time, collect whatever rent is agreed as outcome of your negotiations and return security deposit only if property is turned over in appropriate condition. I'd also consi...
by hand
Wed Feb 18, 2015 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Early rental lease termination - what is reasonable?
Replies: 20
Views: 1135

Re: Advice: New Retirement Offerings

In the unlikely case where some of the new funds have a front end load, you would almost certainty want to move to cash prior to the switchover and then be thoughtful about how you invest.
by hand
Fri Feb 13, 2015 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice: New Retirement Offerings
Replies: 11
Views: 544

Re: Using listing agent as my buyer's agent

If I were in your shoes, I would get multiple mortgage pre-approval letters - one for slightly above your initial offer and one exactly at your max offer. Are you suggesting that I should get two fresh pre-approval letters from my lender every time I make an offer and customize the pre-approval amo...
by hand
Thu Feb 12, 2015 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using listing agent as my buyer's agent
Replies: 21
Views: 1389

Re: Using listing agent as my buyer's agent

I am in the market to buy a property and facing multiple-offer situations due to low inventory. I know that dual agency normally doesn't work in the buyer's favor, but in a multipler offer situation, wouldn't it work to my advantage since the agent will be inclined to give me an edge since he/she w...
by hand
Thu Feb 12, 2015 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using listing agent as my buyer's agent
Replies: 21
Views: 1389

Re: 401k Loan for house

First question you should address is whether you should buy or rent. Up to $10k in closing costs paid for seems nice, but $10k is not nearly enough to make buying worthwhile if you are in a situation where you probably should be renting: - Your expected stay in the house or location is < 5 years - Y...
by hand
Thu Feb 12, 2015 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k Loan for house
Replies: 22
Views: 1613

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

An additional thought: "standard" realtor commission is often quoted at 6% which is an exaggeration and obscenely high especially for higher priced properties. The Economist quotes REAL Trends in saying that average commission *rose* to 5.4% in 2011. Don't forget to review and negotiate y...
by hand
Tue Feb 10, 2015 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5077

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

6. Don't worry about your loan getting sold after closing. Unless you close with Wells Fargo or Chase, your loan will probably get sold to Wells Fargo or Chase. They buy the servicing for most mortgages, and I like Wells. They service 3 of my loans (I have rentals). Seriously great service - and th...
by hand
Tue Feb 10, 2015 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5077

Re: Rent or sell townhome

Both I and my spouse work and don't have want to have an additional stress on dealing with renters/maintenance etc so we will probably get a property management company which would charge ~10% As a somewhat unwilling owner of a similar rental property, your statement above is illuminating - it is a...
by hand
Tue Feb 10, 2015 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent or sell townhome
Replies: 18
Views: 1120

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

An additional thought: "standard" realtor commission is often quoted at 6% which is an exaggeration and obscenely high especially for higher priced properties. The Economist quotes REAL Trends in saying that average commission *rose* to 5.4% in 2011. Don't forget to review and negotiate yo...
by hand
Thu Feb 05, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5077

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

Why does it matter if a lender sells your loan? I have seen this turn people off more than once. Also, doesn't a buyer's agent have a legal obligation to have YOUR best interests in mind throughout the process? There is a non-trivial hassle and risk factor related to a change in mortgage servicer w...
by hand
Thu Feb 05, 2015 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5077

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

1) Be wary of conflicts of interest throughout the process. Your realtor is highly incented to close the deal, and may prioritize closing a deal over getting you the *best* deal: a) they may recommend you bid high b) they may recommend you negotiate less before agreeing to a deal c) they may steer y...
by hand
Thu Feb 05, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5077

Re: giving money

Easiest approach is for you and your spouse to each give <$14k to the person, so no IRS reporting requirement.
by hand
Fri Jan 30, 2015 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: giving money
Replies: 13
Views: 782

Re: 2.875% mortgage pay-off financially justifiable?

Tenuous financial justifications as follows: 1) You expect or fear deflation during the term of the mortgage 2) Asset protection 3) There are costs / risks to having a mortgage (paperwork, extra tax prep, risk of mortgage payment screw-up, hassle of mortgage servicer changes) 4) Cash used to pay off...
by hand
Thu Jan 29, 2015 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 35
Views: 3853

Re: Should mom transfer house title before dying or in will?

I would think it is in your Mom's best interest to keep control of all of her assets as long as possible. Under the current arrangement, it appears there is risk that you "lose" the house if: 1) You are not truly named as the beneficiary of the house in her will, or 2) There is a change to...
by hand
Thu Jan 29, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Should mom transfer house title before dying or in will?
Replies: 52
Views: 4048

Re: Took the GRE test [- Suggest a masters degree]

Have you considered an MBA? Likely somewhat applicable across a number of domains, quantitatively focused, and possibly valuable in a wide variety of future employment. In many cases, I feel non top tier MBAs are overpriced, but if "free", almost certainly worth the time. Classes while wor...
by hand
Wed Jan 28, 2015 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 39
Views: 2383

Re: 36 yo looking for early retirement

A couple of quick thoughts: 1) 4% withdrawal rate is typically mentioned in reference to a 30 year retirement, I'd plan for lower withdrawal rate if there is no fudge factor in your planned annual retirement expenses 2) I often see medical professionals discussing asset protection, and I think that ...
by hand
Wed Jan 28, 2015 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 yo looking for early retirement
Replies: 28
Views: 4641

Re: how much do I save if I buy house with cash?

Even if you buy with cash, you probably want some sort of title insurance to protect you if future issues with the title crop up, so likely not too much of a savings for that line item.
by hand
Mon Jan 19, 2015 5:58 am
 
Forum: Personal Finance (Not Investing)
Topic: how much do I save if I buy house with cash?
Replies: 11
Views: 1501

Re: Mortgage refinance: 15 year vs. 20 year vs. 30 year

I'm personally a fan of 30 year fixed at this time: 1) Yield curve is relatively flat - nominal interest savings of 15 vs. 30 year rates is small, real savings is miniscule assuming 2% inflation. 2) As noted, there is always the option to pay off a 30 year loan early 3) 30 year provides more cash fl...
by hand
Fri Jan 16, 2015 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance: 15 year vs. 20 year vs. 30 year
Replies: 12
Views: 1357

Re: New retirement home timing

Perhaps you should consider mortgaging your current house now while you are still employed.

You can then buy your retirement house with cash and pay off the mortgage on the current home when you sell.
by hand
Thu Jan 15, 2015 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: New retirement home timing
Replies: 5
Views: 557

Re: Buying a Low Supply Hight Demand Car

This seems like a good situation to try to find an affinity discount (perhaps your employer has a relationship with the manufacturer) or a volume buying service (Costco?) that offers a standard percentage off MSRP.
by hand
Mon Dec 08, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Buying a Low Supply Hight Demand Car
Replies: 26
Views: 3201

Re: Investing advice for mid-career couple with high savings

With your high taxable investment, 529 & Cash balances, I was a bit surprised to see retirement savings at *only* $500k. I see that you max your 401(k) contributions, are you also maxing IRA / backdoor Roth IRA contributions? Dependent on health considerations, you might consider moving to a hig...
by hand
Wed Dec 03, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing advice for mid-career couple with high savings
Replies: 7
Views: 1523

Re: What to prepare for first baby due next month?

As already mentioned, take the birthing class ASAP.
Also get hospital planning, travel bag, transport and alternate transport organized NOW.

Babies don't always come on schedule.
by hand
Thu Nov 20, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 6918

Re: TWO home internet connections with two ISPs

P.S. If you do buy the suggested product, consider using the Amazon link in the upper right hand corner of the forum - proceeds go to support continued operation of the forum!
by hand
Wed Nov 12, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 1416

Re: TWO home internet connections with two ISPs

Multi-WAN routers do what you are looking for, however many are geared (and priced) towards business users. Take a look at the TP-LINK TL-R470T+ Load Balance Broadband Router, 3 Changeable Ethernet WAN/LAN Ports, 64MB DRAM which has good Amazon reviews and costs ~$50. I have not used, but appears to...
by hand
Wed Nov 12, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 1416

Vanguard Security Concern - Status emails

Hi, It recently occurred to me that the Vanguard "status" branded emails seem to represent a security risk. On a regular basis I receive email from Vanguard which are branded with my personal "status" level (Voyager, Voyager Select, Flagship, Flagship Select). I am concerned that...
by hand
Wed Nov 05, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Security Concern - Status emails
Replies: 4
Views: 865

Re: First time home buyer - realtor?

If you are comfortable assessing condition and value of the property, plan to bid low and won't be devastated if the sale doesn't go throug, and are willing to expend some DIY effort, this is likely a good opportunity to go sans realtor. Making an offer unrepresented is a great bonus to the selling ...
by hand
Mon Oct 20, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 498

Re: Buying a house without a realtor

And it isn't all about the agent fees. IMO, there isn't anything that requires the buyer's agent to have the buyers best interest in mind (that I am aware of). They make money by making the sale. Once they find a house you are even considering, they benefit by convincing you to buy it. I don't need...
by hand
Mon Oct 20, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2941

Re: Email on specific words

Not sure if this site provides the requested functionality, but you could accomplish something similar by setting up a Google Alert for "LifeStrategy" site:bogleheads.org.
by hand
Fri Oct 17, 2014 8:28 am
 
Forum: Forum Issues and Administration
Topic: Email on specific words
Replies: 3
Views: 1176

Re: Suggest an AM - FM Stereo Receiver?

If I were you, I'd look at the power handling capacity of my speakers and then do a search for a receiver which can't overdrive them, i.e., if the speakers are each rated to handle 50 watts into 8 ohms continuous, I'd be looking for a receiver that puts out say 40 watts per channel into 8 ohms. Any...
by hand
Mon Oct 13, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Suggest an AM - FM Stereo Receiver?
Replies: 24
Views: 2122

Re: Building a New House, Advice please.

A couple of quick thoughts: 1) Consider tamper resistant outlets if children may be in the house, upcharge is minimal, but they appear to be a real safety improvement. 2) Consider wiring circuits and panel(s) in such a way to make adding a future generator easy (grouping essential circuits into a si...
by hand
Mon Oct 13, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 6270

Re: How would one negotiate with daycare?

It is rumoured that my daycare enforces a no PITA policy - while I agree that you have been adversely impacted by the late start (though less clear who is at fault), I would be hesitant to pursue some small monetary redress 1) from someone who is caring for my child, and 2) unless I had a backup chi...
by hand
Mon Oct 13, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3306

Re: Possible Uninsured Motorist accident

While I understand the arguments that it is likely cost effective in the short run to pay the $1k deductible vs. trying to recover, and also low likelihood of recovering if perpetrator is truly indigent, I'm surprised at the lack of focus on the longer term / societal impacts of pursuing damages vs....
by hand
Thu Oct 02, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3902

Re: LED Flashlights

Oh and as for the second question, I upgraded a 20 year old 2D Maglight with this: http://www.amazon.com/TerraLUX-TLE-6EXB-MiniStar5-Conversion-MagLites/dp/B001I9TI4Q/ref=sr_1_2?ie=UTF8&qid=1412196789&sr=8-2&tag=bogleheads.org-20&keywords=led+replacement+maglite It is not bad for $1...
by hand
Thu Oct 02, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 4028

Re: Unexpected Emergency

Depending how large the medical / dental bills are, you may consider going back to the college(s) and asking for a review of your financial aid award in light of new circumstances.

You might also look into a home equity line of credit / loan to cover your cash needs in these peak spending years.
by hand
Fri Sep 26, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3363

Re: 1 year from Retirement, Help with simplifying investment

Wow - company stock looks really, really high as a percentage of your total portfolio. Conventional wisdom is that company stock is a double no-no; 1) uncompensated risk for concentrated holding, 2) additional risk because your income is dependent on this company as well as your portfolio (though le...
by hand
Thu Sep 25, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: 1 year from Retirement, Help with simplifying investments
Replies: 12
Views: 1952

Re: Unexpected Emergency

Situation would have to be pretty desperate for me to stop funding 401(k) enough to capture employer match. In case of emergency, I would likely get funds as follows: 1) Spare taxable holdings / dollars earmarked for discretionary spending 2) Emergency fund 3) Sell unwanted / unneeded goods 4) 401(k...
by hand
Thu Sep 25, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3363

Re: Is it safe to pay down rental property?

What are your other options for the "extra" cash? My gut says ensuring adequate emergency funds (personal and rental) and maxing out retirement accounts should take precedence over paying down the rental mortgage. If you get to the point where you can completely pay off the mortgage, the c...
by hand
Thu Sep 11, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 902

Re: Tip for the Roofing Crew

"Watch out for the first step... it's a doozy!"
by hand
Wed Sep 10, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Tip for the Roofing Crew
Replies: 13
Views: 1377

Re: Home purchase negotiation: credit or reduced price?

Using the numbers above, to highlight out of pocket difference between reduced price and seller fixes assuming an 80% mortgage:

1) Reduced price means you pay 20% of $270k ($54k) + $30k = $84k
2) Seller fixes means you pay 20% of $300k ($60k) = $60k
by hand
Wed Sep 10, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1374

Re: Home purchase negotiation: credit or reduced price?

In general, a lower price and your ability to manage quality of the repairs are preferable, though a price reduction might reduce the amount you are able to borrow and increase your cash requirements for purchase + repairs. For the wiring and foundation issues you mention, I certainty wouldn't want ...
by hand
Wed Sep 10, 2014 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1374

Re: Is My Car Insurance Plan Enough? - the Bogle way!

Why are you paying for rental insurance - would a couple days / weeks of paying for a rental if accident your fault be an undue hardship? Why are your deductibles so low, would an extra $500 or $1000 out of pocket be an undue hardship? I also agree liability coverage is too low, and suggest you cons...
by hand
Tue Sep 09, 2014 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1505

Re: Tract Home - Things to Watch During Construction

Can you hire a home inspector who can monitor the construction? This is where I would spent my money. Hire a good home inspector to go out multiple times during construction to check / report back on the various stages. Dont confuse this with what your regional building inspector does. While their ...
by hand
Wed Aug 20, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 58
Views: 4403

Re: How much should a New Jersey home inspection cost?

While home inspection is an important part of a housing purchase, be aware of the limitations of home inspectors: 1) Their inspections are typically limited to what can be seen without damaging the house, and many won't even move carpets / furniture which is often strategically placed 2) Inspectors'...
by hand
Wed Aug 13, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: How much should a New Jersey home inspection cost?
Replies: 7
Views: 617

Re: Is the 401k 10% early withdrawal penalty worth it?

Great question in that it challenges "conventional wisdom." Standard answer is that you need to run the math for your specific situation to get the right answer for you. My intuition says that while paying a 10% penalty is worse than not paying a penalty (duh), if you are paying the penalt...
by hand
Wed Aug 13, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the 401k 10% early withdrawal penalty worth it?
Replies: 32
Views: 1579

Re: XC90

I'm fascinated by the several comments from Volvo owners in this thread that the things have some rather crummy characteristics (such as being gas hogs, having lousy suspension) but people love them anyway. I have the feeling there must be Volvo people and then there is everybody else. :) I don't s...
by hand
Tue Aug 05, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 3339

Re: XC90

As a recent purchaser of a late model XC90 (3.2 I6) my impressions are as follows: This is a quality people mover with a generous amount of well appointed interior space, and while engine power and handling are sufficient for typical use, there is little risk of confusing with the power / handling c...
by hand
Tue Aug 05, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 3339
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