Bogleheads

I've found that you're better off negotiating off invoice, not MSRP. Most dealerships will negotiate below invoice, especially if it's the end of a month / quarter. I recently picked up an Odyssey $ ...

A cheaper way to go to is to subscribe to or donate to you local Sheriiff's Asssocation and get a few of their bumper stickers that say that you're a proud member of the "xxx xxx Sheriff's Asso ...

Thanks for all the feedback.

As far as a dog goes, we're both extremely allergic to animals Sad

Guns I'm just not comfortable keeping in the house (I know it's a controversial topic, so I'll le ...

I travel a lot for my line of work and my wife is often home several days at a time with our little one by herself. I live on a quiet / dark street, with neighbors fairly close by. Crime is not that ...

Hate to burst the bubble thinking here, but the trouble with this thought process is that you do owe something to someone and that is the Property taxes. .

And phone bill, internet, cable, ins ...

For those of you who worry about the big bad bank coming and taking your house if you get laid off - I am missing your math. Say you have $100,000 in a taxable account, and you buy a $100,000 hou ...

I'd ask for a referral and find a guy word of mouth. Definitely check references. I got burned pretty bad by a "handyman" this year who I paid to have some doors installed in my finished ...

It sounds like they need basic advise on saving, paying down debt, and investing. I would suggest Automatic Millionaire by David Bach. A great read, very fast, and offers practical guidance that is ...

I recently evaluated this decision and opted to buy new. Primary because:

- I drive 15,000 - 17,000 miles per year
- For used, I didn't feel comfortable going much past a vehicle with 30,000 mile ...

Thanks for all the feedback so far. Seems like more negatives than positives so far. Although I suppose a lot of this depends on the quality & reliability of the builder.

2-4 years out we're thinking of possibly moving to a different town. I live in MA where house prices vary by a huge amount depending on how close or far you live from Boston, and how good the school ...

Books

Sorry to burst your bubble, but I think it's generally believed that the buyer does indeed pay the buyer's agent, though indirectly. The price paid for a property most often includes a commission fo ...

I would focus on buying your own place before buying an investment property.

If you want to get into an investment property, look to buy a 2 or 3 family and live in 1 unit while renting out the oth ...

Why would you want to purchase an apartment jointly with her?

Is this for personal use or are you planning to rent it out as an investment?

Can you afford the down payment and expenses on your o ...

She's been paying down someone elses mortgage her entire life. I see nothing wrong with wanting to pay down her own (regardless of her age).

The previous poster is right. Post the details on the big picture of your current assets and debt, then you will get some detailed reccomendations on how to invest the 6K per month. Be sure to follo ...

cons: being in debt till your late 50s or 60s.

No thank you.

Congrats on the raise! That's a nice bump in salary. I'd suggest living off of the same amount you were previously taking home. Invest and/or pay down debt with the annual difference you are now re ...

[quote="Sophie Spence"]If she does & picks an in state school she'll nearly certainly be eligible for a scholarship (four years of free tuition). quote]

Just curious, but what type o ...

I'm in the same boat as you and owe roughly the same amount. I elected to refi into a 15 year note, while still making exra monthly payments. We should have it paid off in 4-7 years depending upon o ...

Assuming you're eligable, start funding a Roth IRA as soon as you can and don't touch it till you retire. As the site implies, we're big fans of the Vanguard Index funds. Time is on your side for co ...

I haven't been to a dentist in 4 years, but have a cavity and need to go ASAP.

Seperate piece of advice, but you should really get your teeth cleaned professionally 2 - 3 times per year. I'm bat ...

Only reason I am buying is because my company offers substantial benefits if I purchase a home rather then rent

Doesn't seem like a very compelling reason to buy a home if this is the only rational ...

We haven't countered with a lower price yet or discussed trade-in.

I'd suggest selling your current vehcile on Craigs List or Auto Trader instead of hassling with the trade. You will absolutely ...

Do it once and do it right. Buy what you want.

I'd say #2 or #3, but with a preference towards #3. We just purchased a new oddysey and love it.

My number 1 rule I've learned in life is to NEVER mix business or investments with friends or relatives. It can tear relationships apart permanently.

If you really want to buy a vacation house, ...

Why not balance between the three - retirement, college, and mortgage paydown.

ed

I agree with this quote. I have just enough in our taxable investment account to pay off our house comple ...

Don't become a motivated buyer and buy more house than you can afford, and don't over pay for a house.

What's the place worth if you decide to sell it?

IMO - Landlording is a tough business and it's a JOB. Add distance to the equation, no experience (i presume?), and negative cash flow and you're ...

Each of the funds you listed has 4.52% to 5.75% front end load so I'm not surprised that you're looking to invest the 100K of new money elsewhere.

Good lord! TGFVG (thank God for vanguard)

TRC - what are some typical big firms that have technical sales force?

In in Software Sales, so I can only tell you about my industry. Essentially we have "Solutions Consultants" which ...

Enterprise Sales - ideally matching your technical background with a product that matches up to what you know.

I think you did fine with the 5% refi earlier in the year. It doesn't look like you'd save much (if anything) in interest, and no matter how you slice it, it looks like you'll have the mortgage p ...

I know this question has been asked a bunch, but I really need some help in this analysis. I refi'd earlier this year: 15 year note, 170K prinicipal at 5%. I've made a bunch of extra payments and my ...

For what it's worth, I've rented a Rav4 a few times and was not that impressed with the vehicle. If it were me, I'd look at a pre-owned Highlander or perhaps even a Honda CRV over the Rav4. Just my ...

$6,000 for closing costs on a Refi seems REALLY high. Are you paying points or something? I refi'd in March and paid about $2,500. Rates are still really low...I doubt they'll go much lower. If y ...

Become a teacher - college or high-school.

You have a better chance of finding a job by networking with your entire sphere of influence. Blindly sending Resumes out sounds like it's proving to be a gigantic waste of time. Sometimes "who ...

You have a better chance of finding a job by networking with your entire sphere of influence. Blindly sending Resumes out sounds like it's proving to be a gigantic waste of time. Sometimes "who ...

We have a 2.5 year old and another on the way due in March. When we bought our house 4 years ago (pre-kids), we really didn't give the school district factor much thought. Now that we've got our par ...

Post this question to the forum on www.mrlandlord.com

Don't rebalance by selling anything in your taxable account. Just put new money into your 401K bond funds or IRA next year and following years until you get the allocation you want.

By the way the ...

Greetings Again,

I received some great feedback from this forum earlier in the year when I had an “extreme makeover” on our portfolio. Now I’m wondering if it makes sense to rebalance or if w ...

My wife is a Registered Nurse for a local hospital and it's great. She's cut down her hours to 2 days a week (so she can be home with our kids naerly full time) and still brings home roughly 35K per ...

These flippers and other newly minted real estate investors are the reason that house prices are not falling to realistic bottoms yet. TBD when all these crazies will be finally washed out of the mar ...

I do not budget. I use homemade spreadsheets created using Excel to keep track of my account balances and net worth. If I continue to save, and if I do not incur debt, then it does not matter to me ...

This reminds me of "Rich Dad / Poor Dad" by Kiyosaki (sp?). His basic premise is that as long as you are working for someone else, you're stuck in the rat race and at the mercy of "the ...

There is some road widening scheduled for later in the fall. How does that affect the negotiations? would that make my landlord aggressive with his final offer? or actually help me?

It can't hurt ...