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Requesting 529 Plan Review + Some Questions.

Dear Bogleheads: We have a 2-month-old daughter and we are looking to start a 529 plan to save for her college expenses. I browsed through some of the forum posts and some financial blogs, and I have come to the conclusion that the Utah plan (UESP) is among the best in terms of ER and possible custo...
by masterofinvesting
Mon Feb 03, 2014 1:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Requesting 529 Plan Review + Some Questions.
Replies: 0
Views: 173

Re: How to security freeze your credit?

When I came to know that there is an option to freeze my credit (it wasn't advertised very well), this was how I saw it: [*] Credit Freeze: Lock the barn before the horse leaves, and unlock it when you want to take the horse for a walk. Very cheap. [*] Credit Monitoring: Setup a way to monitor the h...
by masterofinvesting
Sun Jan 26, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 22
Views: 1166

Re: How to security freeze your credit?

Given all of the problems noted by posters if your credit is frozen, what benefit do you get from freezing your credit that out weights the problems resulting from freezing your credit? Quoting from http://www.oag.ca.gov/idtheft/facts/freeze-your-credit: A security freeze can help prevent identity ...
by masterofinvesting
Sun Jan 26, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 22
Views: 1166

Re: Question on House Affordability.

Thanks a lot everyone for providing your useful insights. I definitely feel a lot more enlightened now than I was before I started this thread. For now, I am setting myself a maximum of $575K (30% housing cost) and will very carefully consider any additions to the max price. Of course, I understand ...
by masterofinvesting
Sun Jan 05, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1593

Re: Question on House Affordability.

You still haven't told us what price point you are looking at for a house that would meet your need of having good public schools so we're still guessing on half of the problem. The price point seems to be largely variable based on inventory availability. For example, when I ran a search on redfin....
by masterofinvesting
Sun Jan 05, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1593

Re: Question on House Affordability.

Aren't they guidelines that lenders use? Maybe there's some leeway, but there's really 2 questions, can you afford it (and I agree with your point about high earners being able to afford a higher percentage) and will I be approved. I haven't gotten a mortgage yet so I have no idea, but I've heard d...
by masterofinvesting
Sun Jan 05, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1593

Re: Question on House Affordability.

Thanks everyone for the helpful replies/comments. A few comments/answers: 1. I will research a little bit more on home and earthquake insurance/rates (ask around people I know who are homeowners). 2. I will try to come up with a reasonable estimate for additional maintenance expenses and add this to...
by masterofinvesting
Sun Jan 05, 2014 3:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1593

Question on House Affordability.

** edited post to add income specifics ** Dear Bogleheads: My wife and I are looking to purchase a new home (in San Diego, CA) and I am trying to find out what price range we can afford. This is what I have come up so far (based on some googling and research). - Let's say the home price is $h. - Ass...
by masterofinvesting
Sat Jan 04, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1593

Re: What to do about "Stock Awards"?

1. Sell immediately, take the 10% as income & pay marginal tax rate on them, and move the funds into your regular AA 2. Hold on to them for 1 year, then take the gains as long-term capital gains, and move the funds into your regular AA 3. Hold them indefinitely, violating your IPS and Boglehead...
by masterofinvesting
Wed Aug 07, 2013 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do about "Stock Awards"?
Replies: 29
Views: 1321

Re: Newbie - Requesting Portfolio Review.

A few updates: I asked around and found that there is a way to automate purchases of Spartan index funds in BrokerageLink (just like regular 401k funds, but needs a call to a Fidelity representative). I put more thought into AA. A few things I found: ⋅ I gave up on overweighting REITs - ha...
by masterofinvesting
Wed Jul 03, 2013 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Requesting Portfolio Review.
Replies: 7
Views: 790

Re: Best asset allocation book to read?

I am a newbie to AA myself, and I liked "The Intelligent Asset Allocator", by William Bernstein.

I'll probably check out the other books listed above as well ...
by masterofinvesting
Sun Jun 30, 2013 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 1764

Re: Newbie - Requesting Portfolio Review.

Thanks for your response, LALearning ! Emergency Funds: > 2 yrs (saving to buy a home next year or so) - all in banks/money market accts. --Keep in mind CD's and for longer term IBonds. Thanks for the advice regarding CDs and I-Bonds. I will look into this. In fact, I really should correct "nex...
by masterofinvesting
Sun Jun 30, 2013 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Requesting Portfolio Review.
Replies: 7
Views: 790

Re: Newbie - Requesting Portfolio Review.

Reply to Duckie's Post: Thanks a lot Duckie for your response! I would probably need some more time to process the information you have provided, and develop a plan, but I do have some quick comments/answers to your questions. ⋅  Thanks for the Spartan fund recommendations in his 401(k) - ...
by masterofinvesting
Sun Jun 30, 2013 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Requesting Portfolio Review.
Replies: 7
Views: 790

Newbie - Requesting Portfolio Review.

Hello There, Just finished reading "The Intelligent Asset Allocator", and it has given me a fresh new perspective on investing. It also helped me realize that my investments are all over the place (I did know about the benefits of index investing, but never paid much attention to asset all...
by masterofinvesting
Sat Jun 29, 2013 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Requesting Portfolio Review.
Replies: 7
Views: 790

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