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Re: suggestion for awd luxury sedan

Subaru legacy/outback Interesting you mention Subaru right now especially the Outback. The "all-new" 2015 model is being announced in less than 2 days. I would assume it features similar updates as the 2015 Legacy http://www.subaru.com/2015-legacy.html including the second generation EyeS...
by harikaried
Tue Apr 15, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 29
Views: 1973

Re: Anyone use Fidelity as their bank account?

The only downside is I can't walk in and make a deposit with physical cash nor can I go to them for a cashiers check or money order. They have offices in many areas where you can do these transactions. I have one a few blocks from my house although I seldom use it. I'm pretty sure those Fidelity br...
by harikaried
Tue Apr 15, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 25
Views: 1275

Re: Life in the Bay Area and housing costs

I grew up in South Bay. The weather is lovely, but there's really no reason to stay there unless you're a high tech employee with lots of unvested, valuable stock options or if you have a strong connection to the area. Both my wife and I grew up in the Bay Area and moved out to Reno after working a...
by harikaried
Fri Apr 11, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Life in the Bay Area and housing costs
Replies: 51
Views: 3042

Re: Domestic vs. International Stock Allocation ?

Taylor Larimore wrote:I settled on a 65% domestic/35% international stock allocation many years ago and I have found no reason to change.
We settled on something pretty close. 66.6% domestic/33.3% international. Easy to check if domestic is roughly double international to make sure things are balanced.
by harikaried
Wed Mar 26, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 2922

Re: Suggestion: A 'Best Of Bogleheads Posts' Sub-Forum

I tried sorting by replies, thinking that might get me to the best posts You can sort by view count within each forum that have posts from within a year. Investing - Theory, News & General - A different approach to asset allocation - Spreadsheet for backtesting (includes TrevH's data) - The Thr...
by harikaried
Thu Mar 20, 2014 7:59 pm
 
Forum: Forum Issues and Administration
Topic: Suggestion: A 'Best Of Bogleheads Posts' Sub-Forum
Replies: 10
Views: 2122

Re: advice requested from engineers

The kid is interested in electrical engineering... U. Illinois at Urbana-Champaign (top 10) I went to Illinois for Computer Science, but I did end up taking electrical engineering classes that used the fabrication lab to create integrated circuits from scratch. I don't think this type of infrastruc...
by harikaried
Wed Mar 19, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4401

Re: Can I beat 2.75% guaranteed via mortgage paydown?

We're paying down our 2.625% mortgage although ours would adjust in a little under 3 years. We even sold some taxable gains offsetting capital losses and used emergency funds to pay down the mortgage by half and plan to pay off the rest over the next few years.
by harikaried
Mon Mar 17, 2014 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Can I beat 2.75% guaranteed via mortgage paydown?
Replies: 73
Views: 4485

Re: Anyone ever use Sebonic Financial for mortgage?

We refinanced with Sebonic where we put in the request online on the 1st of the month and signed on the 28th of the same month. However I would still probably recommend a mortgage company with a local presence for the initial purchase just in-case something unexpected happens. If you do plan on refi...
by harikaried
Sun Mar 16, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use Sebonic Financial for mortgage?
Replies: 7
Views: 803

Re: Old, large account - move it to index and take big tax h

You can use a cost basis calculator to estimate this. Using Schwab's, I put in a buy of 1725 PHBLX @ $20k in 1/1/1989, and it estimates current value of 150k, with a cost basis of 137k. So that's only 13k of gains that haven't been taxed. I'd sell it. Wow. So in this case of reinvesting dividends, ...
by harikaried
Thu Mar 13, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old, large account - move it to index and take big tax hit?
Replies: 40
Views: 2568

Re: How exactly do index funds compound?

the first portion strongly conveys the power of compounding Note I deleted "interest" as that might be confusing you. If you assume the market will grow at some rate each year, say 10% (to make math easier). The first year it grows 10%, the second year grows 10%, the third year grows 10%,...
by harikaried
Thu Mar 13, 2014 1:23 am
 
Forum: Investing - Theory, News & General
Topic: How exactly do index funds compound?
Replies: 12
Views: 2003

Re: Liquidating portfolio to cover down payment

a) sell account b = $110K - some delta for paying taxes on the $2k b) sell account c = $75K - some delta for paying taxes on the $12k c) sell the minimum amount from account A to get you over your total requirements If the decision is to liquidate the portfolio, this seems like a generally good ord...
by harikaried
Wed Mar 12, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liquidating portfolio to cover down payment
Replies: 16
Views: 944

Re: Liquidating portfolio to cover down payment

I'll be spending only about $150 more than I am now. What are you including in your effective monthly rent/house costs? Rent can hide the costs of property taxes, utilities, renovations/maintenance. And homeowner's insurance can be quite a bit more than renter's insurance. Don't forget about HOA-ty...
by harikaried
Wed Mar 12, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liquidating portfolio to cover down payment
Replies: 16
Views: 944

Re: Car Buying Strategy

Expecting to have roughly $14.5k to put toward a newer vehicle (Honda Accord/Toyota Camry/Mazda6) Here's a list from US News (I've not used it myself, but looks like what you're looking for): Used Midsize Cars under $15K http://usnews.rankingsandreviews.com/cars-trucks/rankings/used/midsize-cars-1/...
by harikaried
Wed Mar 12, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Car Buying Strategy
Replies: 46
Views: 3778

Re: Liquidating portfolio to cover down payment

from FWF Fat Wallet Forums - Finance, yes? I'll need 70k (10%) in a week or two to sign the contract. Then I'll need another 175k (25%) So that's a total of $245k which could be made up of $50k 401k loan + $20k cash + $175k from taxable (assuming you really don't want to break the CDs). For the 401...
by harikaried
Tue Mar 11, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liquidating portfolio to cover down payment
Replies: 16
Views: 944

Re: Car Buying Strategy

Toyotas and Hondas hold their value, which is NOT necessarily a good thing if you're trying to get a good deal on a 4-5 year old car. Right. I suppose one approach is to buy a "retains value well" car new or buy a "doesn't retain value well" used. Here's various awards to help y...
by harikaried
Tue Mar 11, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Car Buying Strategy
Replies: 46
Views: 3778

Re: Thoughts on Selling Stocks & Paying Off the Mortage?

I still have a few that show a cost basis loss You should tax loss harvest those, and you'll end up with some amount of cash. If you then used that cash and any cash emergency funds to pay down the mortgage, how much more would you need? If you have carryover losses in addition to the losses you wo...
by harikaried
Tue Mar 11, 2014 12:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Selling Stocks & Paying Off the Mortage?
Replies: 12
Views: 1186

Re: 401K loan or PenFed HEL for high % rate mortgage payoff?

I have fixed income in my 401K which is currently yielding 1.4% 4.4% 401K loan rate. This is an interesting situation because you can make your 401k grow more than it would have otherwise, so it's a neat way for you to put more money into your 401k. One thing to note is you need to reduce the earni...
by harikaried
Mon Mar 10, 2014 3:34 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K loan or PenFed HEL for high % rate mortgage payoff?
Replies: 8
Views: 683

Re: Auto trailer hitch bike racks

Any interest in also carrying skis/snowboards? We have a bike rack that mounts a ski tram that acts like a pair of bikes (in terms of strapping into the bike rack). We happen to have the model that swings to the side as opposed to folding down, so you can leave it loaded while accessing the trunk. I...
by harikaried
Sat Mar 08, 2014 12:49 am
 
Forum: Personal Consumer Issues
Topic: Auto trailer hitch bike racks
Replies: 21
Views: 1148

Re: PenFed 5/5 ARM promotion now expired

PenFed often has promotions, ends them, and brings them back -- perhaps not too long after. I learned this the hard way with their 0% auto loan through the car buying service. They had the 0%-36mo auto loan for all of January, and we just bought a car with their new 0.99%-48mo rate 1st week of Febru...
by harikaried
Fri Mar 07, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM promotion now expired
Replies: 6
Views: 662

Re: Determining allocations of a fund

What tool are you using? Is it this one? http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx When I enter "vt" for Ticker Symbol and "1" for Dollar Value then click "Show Instant X-Ray," near the top-right of the output is "Stock Style Diversificati...
by harikaried
Wed Mar 05, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Determining allocations of a fund
Replies: 4
Views: 118

Re: 2014 Subaru Forester Nav and Phone bluetooth any good?

The Nav in the Forester is not great, IMO. I wouldn't recommend Navigation if you have alternatives because of the 1) upfront cost, 2) software/data quality, and 3) future costs of updates. Good thing that it's now a separate option/accessory for 2015 Foresters. Also, it doesn't show parallel backu...
by harikaried
Mon Mar 03, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forester Nav and Phone bluetooth any good?
Replies: 8
Views: 554

Re: Cutting cell phone expenses

After buying phones I save about $1500 a year by using Ting. I'm also using Ting with just 1 smartphone device averaging roughly $23/mo including taxes. For those who don't know, Ting charges a rate based on how much you use starting with $0 for no usage (e.g., turned off texting) then $3 for each ...
by harikaried
Mon Mar 03, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Cutting cell phone expenses
Replies: 20
Views: 1783

Re: Advice on rebalancing a 401k

Age: 40 Desired Asset allocation: Not sure, 80/20? I am OK with higher risk Desired International allocation: Not sure, 20%? The rule of thumb for asset allocation is roughly "Age in Bonds" (and people often shift to Age - 10 or Age - 15 or Age - 20 in your case). So you're pretty much th...
by harikaried
Mon Mar 03, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on rebalancing a 401k
Replies: 3
Views: 248

Re: Subaru Eyesight Technology - worth it?

I thought what made the Touring the Touring was the fact that NAV was standard with that trim. The other part of the press release included: "New for 2015, the 2.5i Touring models will receive standard high luster 18” alloy wheels . All Touring models feature Keyless Access & Start , HID l...
by harikaried
Fri Feb 28, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Eyesight Technology - worth it?
Replies: 24
Views: 1565

Re: Help buying a car under invoice

Isn't $30k around the invoice for the car? The invoice is always less than the MSRP. Oh ha, yeah. I'll fix up my original post. Yeah that's just a little under invoice. The percentages I gave earlier were compared to MSRP. So I guess I don't have much advice for getting that much under invoice. ;) ...
by harikaried
Fri Feb 28, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Help buying a car under invoice
Replies: 24
Views: 1591

Re: Help buying a car under invoice

I'm also looking at the Outback but I'll probably go with Forester unless I can get a killer deal on an Outback - 8-10% under invoice. I actually never calculated the percentage under MSRP until this post. We got our 2014 Forester Touring + EyeSight for $30,994 compared to MSRP $34,207. That comes ...
by harikaried
Fri Feb 28, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Help buying a car under invoice
Replies: 24
Views: 1591

Re: Subaru Eyesight Technology - worth it?

The Subaru Press Release has these numbers: http://media.subaru.com/pressrelease/581/1/subaru-announces-2015-forester-pricing 2015 OPTION PACKAGES Alloy Wheel Package $600 All Weather Package $500 All Weather Package + EyeSight $1,295 All Weather Package + EyeSight + Navigation $2,395 Navigation + A...
by harikaried
Fri Feb 28, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Eyesight Technology - worth it?
Replies: 24
Views: 1565

Re: best way to buy MS Office for Mac

The department might provide something. When I was in the engineering department, they had all sorts of free/discounted software including software development tools and productivity suites.
by harikaried
Fri Feb 28, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: best way to buy MS Office for Mac
Replies: 7
Views: 338

Re: Subaru Eyesight Technology - worth it?

The adaptive cruise control on the highway is awesome, it takes off quite a bit of stress on long drives and addresses the most annoying thing (in my opinion) about cruise control which is someone gets in front of you and is going slower than you. Yes, agreed! Much less stress just cruising down th...
by harikaried
Fri Feb 28, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Eyesight Technology - worth it?
Replies: 24
Views: 1565

Re: Honda CR-V vs Subaru Forester (edit: decision made!)

Consumer Reports just named the Forester as it's best small SUV for 2014, replacing the CRV which had previously had the crown. To be complete, here's links to the awards pages for both Honda and Subaru and links to awards for 2014 models: Honda Automotive Awards ⋅  KBB Top 10 2014 Best R...
by harikaried
Tue Feb 25, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 4321

Re: Poll: Emergency cash credit: Brokerage/Margin vs Home/HE

So far things do seem to favor HELOC (38%) over Margin (23%). Home Equity: 5 w/ HELOC vs 6 w/o vs 2 No Home Equity Brokerage: 3 w/ Margin vs 7 w/o vs 3 No Brokerage I wonder if it's because Margin loans are so close to investments that it seems wrong to have that potential to invest with leverage wh...
by harikaried
Tue Feb 25, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Emergency cash credit: Brokerage/Margin vs Home/HELOC
Replies: 4
Views: 364

Re: Honda CR-V vs Subaru Forester (edit: decision made!)

Finally, he didn't like the CVT transmission much, mentioning that it was sort of laggy and sloppy -- "not good" he said. Any more specifics on this? I actually prefer the car to not jump when it decides to downshift for a climb especially when using the adaptive cruise control. Our 2012 ...
by harikaried
Tue Feb 25, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 4321

Re: Poll: Emergency cash credit: Brokerage/Margin vs Home/HE

Curious, for those who don't have margin or HELOC, is it because you haven't needed to set one up in the past for some immediate need? It sounds like people often end up with a HELOC to do X but happen to keep it around for emergencies. And similarly for those who do have these lines of credit, is i...
by harikaried
Mon Feb 24, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Emergency cash credit: Brokerage/Margin vs Home/HELOC
Replies: 4
Views: 364

Poll: Emergency cash credit: Brokerage/Margin vs Home/HELOC

Looking at the recent cash/emergency fund threads, people have mentioned using Home Equity Line of Credits in emergency situations that require cash within a few days. But I didn't see any mention of using margin loans, and that seemed a bit surprising as many people probably have taxable brokerage ...
by harikaried
Mon Feb 24, 2014 4:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Emergency cash credit: Brokerage/Margin vs Home/HELOC
Replies: 4
Views: 364

Re: Pay down debt by selling taxable vs keeping investment

Paying down enough to eliminate the last payment earns you 4.5% annually for 360 months. I get $116 for a $436 payment; that is, 116*(1.045^30)=436. The first payment is $436, and $434.40 invested at 4.5% annually will become $436 in one month. Thus, the last $434.40 you pay down against the mortga...
by harikaried
Sun Feb 23, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Pay down debt by selling taxable vs keeping investment
Replies: 16
Views: 1400

Re: Pay taxes vs pay balance-transfer fee vs pay 401k-loan f

The first option has a hidden benefit, because the $2400 would have to be taxed when you sold anyway, costing $360 in tax in the future (or the full $600 if it cancels a harvested loss). This still isn't free, as you pay $600 in tax this year and will save $360 or $600 in some future year. Right, t...
by harikaried
Sun Feb 23, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Pay taxes vs pay balance-transfer fee vs pay 401k-loan fee?
Replies: 2
Views: 240

Re: How to Increase Charitable Giving?

Are there any tips or tricks that folks use to increase their charitable giving, when it just doesn't seem to come naturally? As others have suggested, it's easier to give when you have some connection, and that might mean personally volunteering or knowing someone that is involved or using a non-p...
by harikaried
Sat Feb 22, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Increase Charitable Giving?
Replies: 26
Views: 1408

Pay taxes vs pay balance-transfer fee vs pay 401k-loan fee?

Theoretically one could be in a situation where to get say $20k (to replenish within a year with a stable salary), one could have various options: - Sell $20k in taxable brokerage paying $600 in taxes ($2400 gains offset carryover losses in 25% tax bracket) - Balance transfer $20k with 3% originatio...
by harikaried
Fri Feb 21, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Pay taxes vs pay balance-transfer fee vs pay 401k-loan fee?
Replies: 2
Views: 240

Re: Estate Planning- Attorney fees $5.5K

I live in WA. We paid $750 for wills (his and mine), Healthcare Directives and Financial POAs. The wills are pretty straightforward and no trusts. We just completed ours today for each of us in NV: last will & testament, general durable power of attorney, durable power of attorney for healthcar...
by harikaried
Fri Feb 21, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning- Attorney fees $5.5K
Replies: 34
Views: 3908

Re: Pay down debt by selling taxable vs keeping investment

Paying down enough to eliminate the last payment earns you 4.5% annually for 360 months For those following along, to be clear, the amount one would pay down in extra principal for a $86k 30-yr 4.5% mortgage to remove the last payment is roughly $114 while the regular monthly payment is $436. and s...
by harikaried
Fri Feb 21, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Pay down debt by selling taxable vs keeping investment
Replies: 16
Views: 1400

Re: Stop funding retirement to pay off student loans?

We have about $100,000 equity in our home. Student Loan Debt: Mine: $18,000 at 3.65% interest rate His: $21,000 at 5% interest rate I also get a $5,000 forgiveness this summer for working in a low-income school and that will take the student loan debt down to $13,000. My minimum payment is $65 a mo...
by harikaried
Thu Feb 20, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stop funding retirement to pay off student loans?
Replies: 56
Views: 2477

Re: Honda CR-V vs Subaru Forester

I would like to get opinion from people who have(have had) these vehicles (in the past). We bought a new 2012 Forester Premium (all weather package - MSRP $25,870) 21 months ago and traded it in with 45k miles earlier this month for $20,500 to purchase a new 2014 Forester Touring (popular package #...
by harikaried
Thu Feb 20, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 4321

Re: Pay down debt by selling taxable vs keeping investment

Is there a simple/intuitive way to describe why up-front costs effectively decrease as you pay off a loan of longer terms? Is it because the cost is a one-time event but you get a benefit (less interest payment) that is compounded? The issue isn't primarily that the benefit is compounded, but that ...
by harikaried
Thu Feb 20, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Pay down debt by selling taxable vs keeping investment
Replies: 16
Views: 1400

Re: Pay down debt by selling taxable vs keeping investment

If you pay off a five-year loan all at once, the average duration of the payments is about 2.5 years, so that is the time period you would use for adjusting the returns. I don’t quite understand average duration of a mortgage, but running numbers with the previous example of $7k growing to $100k pa...
by harikaried
Wed Feb 19, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Pay down debt by selling taxable vs keeping investment
Replies: 16
Views: 1400

Re: Tesla Motors Stock

just how does long does the battery in the tesla last before it has to be replaced and what is the cost. There's an article and video from last year about a 90-second battery-swap system where drivers pull up to get a fully charged pack swapped in: http://www.engadget.com/2013/06/21/tesla-motors-ba...
by harikaried
Tue Feb 18, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11454

Re: Pay down debt by selling taxable vs keeping investment

It's 1-(19/20)^(1/5). If the value of an asset multiplies by .9898 each year (a 1.02% decay rate), it will have 19/20 of the original value in five years. Thanks. This is basically spreading any associated cost over the term of the loan as opposed to associating it all upfront. But this calculation...
by harikaried
Tue Feb 18, 2014 12:53 am
 
Forum: Investing - Theory, News & General
Topic: Pay down debt by selling taxable vs keeping investment
Replies: 16
Views: 1400

Re: Pay down debt by selling taxable vs keeping investment

For example, if you could sell $20,000 in stock for a $1000 tax bill to pay down your mortgage, you are spending $20,000 in cash to pay down the loan by $19,000. If you sell the house in five years, then your return is 1.02% less than the mortgage rate, since $20,000 losing 1.02% per year would dro...
by harikaried
Sun Feb 16, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: Pay down debt by selling taxable vs keeping investment
Replies: 16
Views: 1400

Re: Pay down debt by selling taxable vs keeping investment

What are the numbers we're expecting? The cost of selling gains increases as the gain% increases or tax rate increases, so when we compare it to the loan rate, we want to see how high of a gain we can have before it becomes better to just keep the money invested. I think you'll find that 6% / (1 - 1...
by harikaried
Sat Feb 15, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Pay down debt by selling taxable vs keeping investment
Replies: 16
Views: 1400

Pay down debt by selling taxable vs keeping investment

People usually ask about paying down debt vs investing because they have cash to put towards one or the other. But when someone doesn't have the cash available and it's already invested, people seem to suggest not to sell positions with gains because taxes have to be paid. It seems like there should...
by harikaried
Sat Feb 15, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Pay down debt by selling taxable vs keeping investment
Replies: 16
Views: 1400

Re: Mortgage Payoff Question (yes, again!)

Also, if I lost my job, I would likely want to pay off the mortgage in about 6 months if I didn't find another job by then, in order to reduce expenses. I'm not sure I follow the logic here. If you lost your job, wouldn't you want to keep as much money as easily accessible as possible? And having t...
by harikaried
Wed Feb 12, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Question (yes, again!)
Replies: 16
Views: 1226
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