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Re: Nov I-Bonds 0.2%

I am new to I-Bond.. Why would you need to redeem your ibond holding for the new one? I bought $10K iBond in this January 2013 and planning to do the same on January 2014.. I was under impression that Ibond rate will adjust by itself like a Saving account / money market? In another word, your rate ...
by investnoob13
Sat Nov 09, 2013 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nov I-Bonds 0.2%
Replies: 17
Views: 2324

Re: Nov I-Bonds 0.2%

I am new to I-Bond.. Why would you need to redeem your ibond holding for the new one? I bought $10K iBond in this January 2013 and planning to do the same on January 2014.. I was under impression that Ibond rate will adjust by itself like a Saving account / money market? In another word, your rate i...
by investnoob13
Sat Nov 09, 2013 6:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Nov I-Bonds 0.2%
Replies: 17
Views: 2324

Re: Bad day for REITs

Whenever it drops more than 1%, I will just added more shares. I consider this is a "on sale" event. The more it drop, the more shares I will own. So your rebalancing band is 1% on the downside. What about the upside? How much does the REIT fund have to increase for you to sell shares? Di...
by investnoob13
Wed May 22, 2013 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 7916

Re: Bad day for REITs

Whenever it drops more than 1%, I will just added more shares. I consider this is a "on sale" event. The more it drop, the more shares I will own. So your rebalancing band is 1% on the downside. What about the upside? How much does the REIT fund have to increase for you to sell shares? Di...
by investnoob13
Wed May 22, 2013 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 7916

Re: Bad day for REITs

Whenever it drops more than 1%, I will just added more shares.

I consider this is a "on sale" event. The more it drop, the more shares I will own.
by investnoob13
Wed May 22, 2013 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 7916

Are you a frugal person?

Bogleheads: A question: Are you a frugal person? Are you too crazy about investing into your portfolio? I feel like the more I saved/invested, the more frugal I am. I am not sure if you have a similar type of feeling. I used to be very generous on things.. Friends said I am too frugal and too cheap ...
by investnoob13
Sat May 18, 2013 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Are you a frugal person?
Replies: 1
Views: 488

Re: Investing Now: Price/earnings ratio: 18.0x

I was in the same situation as OP back in January. The market was "all time high" at the time. But I listened the old Bogleheads suggestions and DCA into my preferred AA. My AA has gone up to 4.3% now. I put more money into bonds now. I will use this bond fund to "correct my AA" ...
by investnoob13
Sun May 05, 2013 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Now: Price/earnings ratio: 18.0x
Replies: 21
Views: 1360

Re: How many investments do you own? (clarification below)

Six.

Vanguard Total stock market
Vanguard Total International Stock market
Vanguard Total bonds market
Vanguard Emerging Market
Vanguard REIT index
Vanguard CA IT tax-exempt muni

Only Total bonds in my Roth IRA.. rest in taxable account. I intended to keep this 6-fund as simple as it is.
by investnoob13
Thu May 02, 2013 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: How many investments do you own? (clarification below)
Replies: 64
Views: 3082

Re: Any formal statement from US bonds?

What do I need to do if I need a statement for applying for a mortgage, for example? Just print a screen grab? Sorry about resurrected this old thread. How do I show the lender that I own i-bond? Does anyone has such experience? thanks in advance, Since Savings Bonds can't legally be used/pledged a...
by investnoob13
Wed May 01, 2013 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: Any formal statement from US bonds?
Replies: 25
Views: 2289

Re: Any formal statement from US bonds?

Rainier wrote:What do I need to do if I need a statement for applying for a mortgage, for example? Just print a screen grab?


Sorry about resurrected this old thread. How do I show the lender that I own i-bond? Does anyone has such experience?

thanks in advance,
by investnoob13
Wed May 01, 2013 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Any formal statement from US bonds?
Replies: 25
Views: 2289

Re: VWITX(Intermediate term muni) vs I-Bonds

How would you calculate exemption from state taxes on funds like these? Let's say you live in CA or NY, you would be exempt (mostly) from federal taxes, however, how do you not pay taxes on the interest paid to you via the portion of the fund that obtains its profits from bonds in your state? I am ...
by investnoob13
Mon Apr 29, 2013 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: VWITX(Intermediate term muni) vs I-Bonds
Replies: 8
Views: 1452

Re: Portfolio Help - bond fund advice needed

Thank you for the clear explanation!

Ahh. I will get into the intermediate/short term bond on Monday!

thanks,
by investnoob13
Sat Apr 13, 2013 1:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help - bond fund advice needed
Replies: 2
Views: 411

Portfolio Help - bond fund advice needed

I am new to Bogleheads family! Thanks for all valuable investing ideas and information in this forum. I found this forum in late of November last year. I have been studying Bogleheads Buy-and-Hold philosophy. I have sold all my individual stocks on December 31, 2012. I am in a process of aggressivel...
by investnoob13
Fri Apr 12, 2013 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help - bond fund advice needed
Replies: 2
Views: 411

Re: Home refinance / GFE questions

Another note is that I already checked my credit reports.. I do not see any tax liens in my reports. I am requesting the refi agent to provide me docs/reports. I just want to know where these records come from.

Does anyone has similar experience?

thanks,
by investnoob13
Mon Feb 18, 2013 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 655

Re: Home refinance / GFE questions

Here's the update. I spoke with my lender and was told they are planning to rollover closing fee/property tax into my principle. I told them no. As requested by the refi lender, I had paid off my property tax now (while I have an escrow account with my current lender - they won't able to pay right n...
by investnoob13
Mon Feb 18, 2013 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 655

Re: Home refinance / GFE questions

Many lenders charge higher closing costs for loans with LTV above 60%. My guess is that o e or more of the following happened: 1. Your house appraises for less than you thought it would. 2. The timing of your tax bill is such that the lender's underwriter requires it be paid into escrow. From the i...
by investnoob13
Fri Feb 08, 2013 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 655

Re: Home refinance / GFE questions

That seems very odd. For a refinance the starting point should be what you currently owe on your exisiting mortgage. To that you add any home equity you are pulling out (if they still do that these days) + any fees involved for the refi that you are rolling into the loan. That should give you the n...
by investnoob13
Fri Feb 08, 2013 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 655

Re: Home refinance / GFE questions

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...
by investnoob13
Fri Feb 08, 2013 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 655

Re: Home refinance / GFE questions

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...
by investnoob13
Fri Feb 08, 2013 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 655

Re: Home refinance / GFE questions

The actual loan amount increased or the fees, etc. increased, thereby increasing the total amount? 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&quo...
by investnoob13
Fri Feb 08, 2013 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 655

Home refinance / GFE questions

Hi All, I am in the process of refinance my home mortgage. I signed a GFE with the lender with given quote/rate/closing fees. I have provided all the documents and appraisal completed (home value is $400K and my mortgage balance is $250K). Today, I received another call/email from this lender that I...
by investnoob13
Fri Feb 08, 2013 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 655

Re: What to Invest in - Real estate, or buy a business?

Thank you for all sharing the thoughts. I am also in the same position for a restaurant business. I happened to be in the same shoe as OP. A friend of mine (Japanese food chef) is asking if we want to invest in the restaurant business. I have no experience but my wife seems motivated for such invest...
by investnoob13
Sat Jan 19, 2013 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: What to Invest in - Real estate, or buy a business?
Replies: 24
Views: 1680

Re: Transfer house title from parent to child?

The question of what is your goal in doing this is a good one. What is your goal, or your mom's goal (assuming she is still alive and living in the home)? If it is related to getting assets out of your mom's name to qualify for Medicaid, there is a financial look-back of five years or so that usual...
by investnoob13
Thu Jan 10, 2013 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer house title from parent to child?
Replies: 16
Views: 1959

Transfer house title from parent to child?

All, We are in the journey to research the consequences/taxes/procedures to transfer the house title from my parents to my sister and myself. We would really appreciated if someone has knowledge in this matter and provide some redirection/helps. Here's some information: 1. The house title (Grant Dee...
by investnoob13
Wed Jan 09, 2013 3:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer house title from parent to child?
Replies: 16
Views: 1959

Re: When to jump in

Thanks for all the great advice! I also liquidated all my individual stocks and some ETFs on 12/31... I am now ready to setup my AA with VTIAX / VTSAX.. I am also worried a bit since both indexes are near all time highs.. I will follow this advice and get back to the market next week. thanks, Was t...
by investnoob13
Sat Jan 05, 2013 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump in
Replies: 31
Views: 1956

Re: When to jump in

What was your cash invested in when at EJ? Did you just miss the 4+% pop in equities? In the age-old LumpSum versus DollarCostAverage debate, I always recommend Opportunistic Dollar Cost Averaging. Invest 50% next week. Then for the remaining 50%, investing it over the next 10 months or quicker. Th...
by investnoob13
Sat Jan 05, 2013 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump in
Replies: 31
Views: 1956

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