Search found 100 matches

by 4th and Inches
Fri Jan 15, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Builder's Lender Wants to Start Mortgage Paperwork Early
Replies: 7
Views: 630

Re: Builder's Lender Wants to Start Mortgage Paperwork Early

Thank you for the replies everyone. A few more follow-up questions:

So you guys feel that now is an appropriate time to actively search for a lender?
Should I also go through with hard credit checks?
Are there any issues with trying to get a rate lock this early in the process?

Thanks!
by 4th and Inches
Fri Jan 15, 2016 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Builder's Lender Wants to Start Mortgage Paperwork Early
Replies: 7
Views: 630

Builder's Lender Wants to Start Mortgage Paperwork Early

My wife and I are having a new home built. We went into contract back in October and the house will be done late this summer. We are and were well aware of the builders timeline due to it being a busy market and being able to get first right of refusal on our selected lot before the lots were offici...
by 4th and Inches
Wed Jan 06, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a Personal Finance Club/Network at Work: Good idea?
Replies: 9
Views: 448

Re: Starting a Personal Finance Club/Network at Work: Good idea?

I personally think it is a bad idea to do this in the workplace.
by 4th and Inches
Tue Dec 29, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 IRS Witholding Calculator Availability?
Replies: 6
Views: 738

2016 IRS Witholding Calculator Availability?

Does anybody know when the 2016 IRS Witholding Calulator will be available?

https://www.irs.gov/Individuals/IRS-Wit ... Calculator
by 4th and Inches
Wed Dec 23, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Sell all bond holdings in Roth?
Replies: 6
Views: 543

Re: Sell all bond holdings in Roth?

I just realized this the other day. Luckily I had my bond holdings in my 401k/Traditional IRA. If I had put all of my bonds in the Roth I would just do a swap out now between the accounts. However, I don't think it would be explicitly wrong to just switch the Roth to stock funds and then buy up the ...
by 4th and Inches
Mon Dec 21, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds VS Build Your Own for .055%-.107% Less?
Replies: 12
Views: 1229

Re: Target Date Funds VS Build Your Own for .055%-.107% Less?

Thanks for the feedback and insights everyone. I'm going to just go with the target date fund for convenience and simplicity. If I have to do the rebalancing or get into any fiddling then, I'm more likely to mess things up more than I can save on the expense ratios.
by 4th and Inches
Mon Dec 21, 2015 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds VS Build Your Own for .055%-.107% Less?
Replies: 12
Views: 1229

Target Date Funds VS Build Your Own for .055%-.107% Less?

My wife recently started a new job. Her 403(b) and 401(a) plans are outstanding! She has to put in 5% of her base pre-tax salary into the 401(a). With her 5% contribution her employer will match 2 for 1 or 10% of her base salary. She will also be 100% vested on day one! She cannot contribute more th...
by 4th and Inches
Mon Dec 21, 2015 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Low Balance, <$2k HSA Investment Options?
Replies: 5
Views: 495

Re: Low Balance, <$2k HSA Investment Options?

It just isn't worth it to bother with trying to invest this amount. I will slowly draw down these funds from the HSA savings account I have to bridge the gap between my regular money and FSA funds.
by 4th and Inches
Mon Dec 14, 2015 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Low Balance, <$2k HSA Investment Options?
Replies: 5
Views: 495

Re: Low Balance, <$2k HSA Investment Options?

^^^^^Go point on just paying the brokerage fee. I wasn't very excited about the Saturna funds and the expense ratio would effectively go down if the balance increased using the brokerage option.
by 4th and Inches
Mon Dec 14, 2015 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Low Balance, <$2k HSA Investment Options?
Replies: 5
Views: 495

Low Balance, <$2k HSA Investment Options?

Are there any other options besides Saturna that allows for fund/ETF investments for balances below $2,000? In you invest in the Saturna-Affiliated funds they offer: Access to their not so great funds for just $100 minimum. The lowest expense ratio is .78. The whole account can be invested. Account ...
by 4th and Inches
Sat Sep 26, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: relocating to boulder, CO from NYC suburb
Replies: 27
Views: 2428

Re: relocating to boulder, CO from NYC suburb

I'm moving to Denver next Friday. Yay!
by 4th and Inches
Fri Jun 26, 2015 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay student loan off at 2.875%? - otherwise, 14 years to go
Replies: 52
Views: 6124

Re: Pay student loan off at 2.875%? - otherwise, 14 years to go

I have right at $17,000 in student loans at 1.625% interest. I had a 20 year period to pay it off and have like 11 years left. Payment is $152 a month. I'm letting inflation erode the value of it and just paying the minimum. I feel good about it.
by 4th and Inches
Wed May 20, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 3584

Re: How should drivers react to bicycle riders on one lane roads?

As a semi-regular bicyclist to work I appreciate the answers given here. You guys are not issues for me. Thanks!
by 4th and Inches
Fri May 01, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: What sort of MBA is right for me?
Replies: 13
Views: 1370

Re: What sort of MBA is right for me?

I will weigh in later. I have a lot to say about this from personal experience. I have an MBA. It works for me.
by 4th and Inches
Mon Apr 27, 2015 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 7110

Re: Feel like I made a mistake with buying a house: apprecia

120% appreciation? Sounds fishy. What metric are the two of you going by? Sure the house may be valued that much more, but what kind of renovations took place to make that happen? If the house was bought for $200k and then $150k was done in renovations the ROI is not going to be as high if he did ze...
by 4th and Inches
Fri Apr 24, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 2749

Re: Selling on eBay with local pickup using PayPal - Dangero

^^^^what he said. You can also call PayPal customer service to ask.
by 4th and Inches
Mon Apr 20, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1591

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I'm surprised you're seeing the similar prices for different age houses that are similar in size and all other respects. In my experience new houses are more expensive unless there is some countervailing advantage for the older homes. So perhaps there is something you are not seeing. For example I'...
by 4th and Inches
Mon Apr 20, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1591

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I own a 80+ year old home - this is what you should be concerned about; electrical, plumbing, insulation, heating system/air conditioning. If you need to put in a CAC/HVAC system - that will cost, similarly if you need to re-wire or re-plumb the home. Insulation may or may not be that big of a deal...
by 4th and Inches
Mon Apr 20, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1591

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

You really need some more information to make a decision. Get a thorough inspection of the older homes by more than one inspector. Ask them to estimate the amount of repairs they anticipate you'll need. When you mentioned the house years, you used a range and not a specific year. Do you not know th...
by 4th and Inches
Mon Apr 20, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1591

Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?

I am trying to wrap my head around the total cost of home ownership for three different ages of houses that I am interested in. Where I am looking there are 3 distinct areas with different eras of construction. • Ownership of the home will last for 50 years (Yes, I’m very aware that things change in...
by 4th and Inches
Thu Apr 16, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 2050

Re: 10% Down 30-Year Jumbo Mortgages?

Thanks for the responses guys. What are the terms of your HELOC?
by 4th and Inches
Tue Apr 14, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 2050

10% Down 30-Year Jumbo Mortgages?

Do 10% down Jumbo mortgages still exist? Do any of you have any links to information regarding the terms of a 30-year fixed jumbo loan? How much higher is the interest rate? Assuming the person is well-qualified and all debt and housing PITI was 30% of gross income, they were on track for retirement...
by 4th and Inches
Thu Apr 09, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Another Housing Thread (450k)
Replies: 18
Views: 2068

Re: Another Housing Thread (450k)

Go for the house! You can afford it. Good luck!
by 4th and Inches
Sat Mar 28, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 43
Views: 7243

Re: Can I afford a $500,000 house?

You can afford it. You just can't go juggling two large car payments, expensive hand bags or a trip to Europe with the currently discounted Euro. Moderation, compromise and common sense will go a long way. Many on here are hyper conservative so take their comments that make YOU seem crazy with a gra...
by 4th and Inches
Mon Mar 23, 2015 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares vs Diversity? Beginner Question
Replies: 14
Views: 1585

Re: Admiral Shares vs Diversity? Beginner Question

I imagine you don't have a large balance. Just stick with VTIVX to keep it simple and diversified. Once you have enough for admiral in the components you could start to break it up. If the account is in taxable that complicates things.
by 4th and Inches
Thu Mar 19, 2015 11:03 pm
Forum: Investing - Theory, News & General
Topic: "Assessing the Risk of Using Just One Fund Company.."
Replies: 18
Views: 3085

Re: "Assessing the Risk of Using Just One Fund Company.."

Thanks for posting Taylor. The tinfoil hat wearers will naturally anchor on tbe worst case scenario, exaggerate the probability of it happening and then expend far more energy than needed to avoid something that will never happen. I have other things to do.
by 4th and Inches
Mon Mar 09, 2015 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Want to invest with Vanguard but not comfortable with....
Replies: 79
Views: 5835

Re: Want to invest with Vanguard but not comfortable with...

Ward, how do you know that someone on this board isn't a hacker and they now have enough information on you to hack your existing accounts? You already have multiple accounts that exist. How do you know that someone isn't hacking them RIGHT NOW or will intercept your next transaction? How do you han...
by 4th and Inches
Thu Feb 26, 2015 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 11917

Re: Help! Ive been put on a performance improvement plan!

Sorry OP, but I'm guessing you are a terrible manager and some degree of a jerk to your direct reports. Things must be pretty bad for your direct reports and other things you are doing\not doing that personnel above you are going as far as a formal PIP. Polish off that resume and LinkedIn account. I...
by 4th and Inches
Thu Feb 12, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Loan for house
Replies: 22
Views: 2049

Re: 401k Loan for house

People on here are hyper-conservative when it comes to borrowing money, 401k loans, and home down payments so take their stark anti-loan comments with a grain of salt. I see no issue with using the 401k loan to get into the house given your circumstances presented. I think you have a pretty good dea...
by 4th and Inches
Tue Feb 10, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 6264

Re: Home Buying the Boglehead Way (1st Time Buyer)

^^^^^^^^^^^^That is great information Meg77. Thanks for sharing.
by 4th and Inches
Tue Feb 10, 2015 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying investment
Replies: 10
Views: 522

Re: Delaying investment

Overall you will get the best outcome by putting it into the market today rather than waiting. Dollar-Cost-Averaging is will assuage the way you feel, but usually won't give you the best outcome. Yes the market could tank, but it could also go significantly up. Bite the bullet and get the money off ...
by 4th and Inches
Thu Feb 05, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 6264

Re: Home Buying the Boglehead Way (1st Time Buyer)

Why does it matter if a lender sells your loan? I have seen this turn people off more than once.

Also, doesn't a buyer's agent have a legal obligation to have YOUR best interests in mind throughout the process?
by 4th and Inches
Fri Jan 16, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Relationship between PMI, Mortgage Rate, and Down Payment
Replies: 26
Views: 2570

Re: Relationship between PMI, Mortgage Rate, and Down Paymen

Thanks charles77. That is great information and things I will keep in mind. How common is it to find a no fee loan, with no discount points and no origination fees, along with a credit from the lender to pay for other miscellaneous items all in one loan and how much higher is the interest rate on so...
by 4th and Inches
Wed Jan 14, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship between PMI, Mortgage Rate, and Down Payment
Replies: 26
Views: 2570

Re: Relationship between PMI, Mortgage Rate, and Down Paymen

Thanks for sharing that link charles77. What exactly does the "Coverage" column mean? It has numbers such as 30%, 25%, 17% and 12% within each of the down payment bands?

Also, could you expand on why you should not pay points?
by 4th and Inches
Wed Dec 17, 2014 4:40 pm
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 3682

Re: How do you figure out the best location to buy a house?

Lots of good pointers in here I have taken notes.
by 4th and Inches
Sun Dec 14, 2014 9:51 pm
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 1003

Re: Book suggestion for buying primary home

Do any of you have any other book recommendations on this topic?
by 4th and Inches
Tue Nov 25, 2014 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 5588

Re: Brother wants me to co-sign a house with him

Uhhhh kid you are nuts to even entertain the idea of doing the house, salon, or land. DO NOT DO ANY OF THEM!!!!!!!!!!!!!!!!!!
by 4th and Inches
Fri Nov 14, 2014 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 7991

Re: 36 y.o. New at investing, am I in too much debt?

You really need to have a major talk with your fiancee. To what extent is she aware of your financial situation and how aware are you of her financial situation? All of a sudden pulling the plug on wedding funding and scaling back the honeymoon is not likely to go over very well with her. You need t...
by 4th and Inches
Mon Nov 10, 2014 10:15 am
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 35022

Re: War on Debt

Technofox I hope you take a lot of this truly outstanding advice to heart and make some CRITICALLY needed, concrete changes to your spending habits. The fact you are having panic attacks shows that you know there is a major problem. You now need to build the resolve and make the change needed while ...
by 4th and Inches
Wed Oct 15, 2014 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 3424

Re: Crazy asset-based fees in my 401K!

I just thought that I would chime in that my 401k scam I mean plan charges a salty 1.25% AUM fee. Whooo hook!!! The cheapest fund in my plan is PTRAX at .71%. 1.25% + .71% = Oh yeah baby!
by 4th and Inches
Tue Sep 23, 2014 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Which house to buy?
Replies: 16
Views: 1585

Re: Which house to buy?

Based only on the information you have provided it is no question to me. Go with house B assuming you can handle ~$230 more in 30 year mortgage. Think of what the two houses will be worth years down the road. The info on house B related to lot, design and neighborhood suggest it will be worth a lot ...
by 4th and Inches
Fri Sep 12, 2014 11:13 am
Forum: Personal Finance (Not Investing)
Topic: 5% or 10% down for high balance conforming mortgages?
Replies: 0
Views: 215

5% or 10% down for high balance conforming mortgages?

I want to buy a house in a year. I have great credit, very little debt with low interest, two steady incomes in the house and working towards a down payment. I want to confirm that even if you are in a high cost of living area that to have a mortgage above $417k you have to have at least 10% down ev...
by 4th and Inches
Sun Sep 07, 2014 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4815

Re: Salary Info double standard?

All of the responses here seem to implicitly reflect either applying to a job in the same city where you work or perhaps moving to another city with about the same cost of living. I'm in a situation where in the next 6 months my wife will be seeking employment starting in the late summer/fall 2015. ...
by 4th and Inches
Sat Sep 06, 2014 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise Equity Indexed Universal Life Insurance
Replies: 10
Views: 948

Re: Ameriprise Equity Indexed Universal Life Insurance

You should post your entire portfolio on here. You will get outstanding advice for free. I have never, ever seen a portfolio review on here that went well for an Ameriprise advisor. The people on here will point out your Ameriprise portfolio's shortcomings and offer realistic, viable solutions. I ca...
by 4th and Inches
Thu Sep 04, 2014 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Acorns - Automatic Investing
Replies: 8
Views: 2690

Re: Acorns - Automatic Investing

This is really intriguing though I don't know that it is for me. I estimate that I would be able to chip in about $50-60 per month. I think it can be great for people who otherwise just won't save. Is anybody else thinking of doing it? When will a competitor come out who can undercut these fees in h...

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