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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 ...

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" ...

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.

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...

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,

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 ...

Thank you for the clear explanation!

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

thanks,

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...

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,

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...