Search found 65 matches

by dandypandys
Tue Jun 26, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

Also, how can you tell a home is in a sinkhole likely area? Looking at the links I previously sent you. Or a short-cut way of locating sinkhole areas in Florida is just look at Google Maps and see locations where there are a ton of lakes. I had a bit more time and found this map, in which I entered...
by dandypandys
Tue Jun 26, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

yes.. i know.. it would be wise to stay put- our agent gave us a lot less of a quote on my condo than I factored. only 90k I bought it in 2005 for 140k. I have outgrown my artist studio- and this is why I long to move. But we are going to try and be creative and stay put for at least another couple ...
by dandypandys
Tue Jun 26, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

WOAH!!!
I actually said to my hubs, "wonder why there is a crack in the terrazzo-- sink hole?"
by dandypandys
Mon Jun 25, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

:( So back from the viewing- first impression was ok/good, but def tinged with disappointment. The pics made it look so much nicer- but it has an older look overall in person. Still LOVE the lake view and garden- but there were just too many things not quite right- our agent is going to follow up on...
by dandypandys
Mon Jun 25, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

Thank you, I guess I thought because it was the weekend- :oops:
your encouragement led me to filling out some forms online with my credit union -just got pre-approved - how easy! 1 hour and we go to see the house! :P
by dandypandys
Mon Jun 25, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

Yeah- not sure why it is so high, maybe that is just a high estimate- hopefully! It sure will make things a lot easier if we can do that. Today is the big day- off to see the house, and then afterwards we come back to the condo with our real estate agent to show her the condo and get a price for it....
by dandypandys
Sun Jun 24, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

Looks like I can get a loan from my 403b up to 50k. (checking with HR tomorrow to confirm) We would need 37k to get 20% down. 6% interest rate, finance charge of 1200, for a year- can be up to five years. I am wondering if they can be paid off early as soon as the condo sells. :?: We could just get ...
by dandypandys
Sun Jun 24, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

Thank you mmmodem, any stories like yours help fill in our lack of knowledge. So 20% down is $26,500.. we have 30k.. wonder what closing costs would likely be. Now I am looking around at any family that could spot us 10 grand-- husband will NOT sell his 12k Miata, I just asked haha- boo. I have no i...
by dandypandys
Sun Jun 24, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

My real estate agent got back to me about my Qs and told me the contingency idea wont work, as homes are selling fast if priced right. I just stumbled on the idea of 'recasting' if we buy the house with a full mortgage a little down payment, we can sell the condo after only moving once.. then recast...
by dandypandys
Sat Jun 23, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

one thing complicates matters-- we are leaving in 3 weeks for a 5 week international trip. :shock: probably not helping matters.. I forget how long all this took last time i bought. Also, our house is crammed with stuff and 2 cats- not sure how great it would be for staging a sale at short notice li...
by dandypandys
Sat Jun 23, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

thank you gunn_show ! what a great post- lots to chew over. thank you You are getting me off my arse and calling right now. We do know the place was just reduced by 5k.. went to drive past it, it is empty.. looks so nice. Also know that our real estate agen called their estate agent and was told the...
by dandypandys
Sat Jun 23, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

What does the new house give you to balance the cost of a new mortgage against the value of a paid off condo? We are a bit confused by what you mean here- it would give us joy and me a bigger studio which is an investment in my career. Obvs we would not be able to do our normal 33% into the 403b an...
by dandypandys
Sat Jun 23, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

You can offer with a contingency that your condo sells within a certain time frame. The contingency offer may or may not be accepted. The whole deal seems a bit of a stretch based on your income. Do you mean the 265k house is a stretch? we have 120k asset in the condo and a 78k salary (i made a mis...
by dandypandys
Sat Jun 23, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Re: Buying new home while selling current one Qs

If this happened, would you be able to rent your prior unit out and generate enough cash flow to cover yourself? we could rent it out, it just isnt very financially viable because of the 320$ condo fees.. but we would be ok keeping it on as that is all we would be paying while adding a new home 2 Wh...
by dandypandys
Sat Jun 23, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2776

Buying new home while selling current one Qs

I just saw a great house, but dont have 20% in down payment. The house is 265k, but I only have a total of 30k free. We do own our current place outright- worth 120k or more I know i would get a mortgage easily- perfect credit and my salary is $78k We are currently doing a bunch of research— we are ...
by dandypandys
Sat Feb 11, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand 403b fees
Replies: 11
Views: 1402

Re: Trying to understand 403b fees

I have to say I am still in the dark here.
Plus my HR lady is sooo reticent, I feel like I cannot ask questions anymore because she makes it feel like I am bothering her. :twisted:
by dandypandys
Sat Feb 11, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Academia female professional seeking your suggestion
Replies: 53
Views: 10542

Re: Academia female professional seeking your suggestion

Just popping in to say hola! Academia female tenured full prof :) I went with the 3 fund. Wholly convinced after reading the thread and chatting with Larimore. But, when I read your new house new car bit, I thought you need MrMoneymustaches help! Check it out, the forum there it is great. I started ...
by dandypandys
Sat Feb 11, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Can I open Roth IRA now and contribute towards 2016?
Replies: 2
Views: 458

Re: Can I open Roth IRA now and contribute towards 2016?

yes, i just did it. When you put the money in there is a button to choose for either 2016 or 2017
by dandypandys
Sat Feb 11, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand 403b fees
Replies: 11
Views: 1402

Re: Trying to understand 403b fees

My 403b has the same sort of paragraph, I am glad you asked this question because I have always wondered about mine.
by dandypandys
Fri Jan 27, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 14794

Re: Swedroe's guidelines to Bonds

Taylor, I will go get it today. Thanks for all your help :sharebeer
by dandypandys
Fri Jan 27, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 14794

Re: Swedroe's guidelines to Bonds

Does Larry's book talk about Stable Asset Value funds at all? There is a copy at my library :) I am asking because my 403b choice of bonds was not good, so we chose a stable value fund https://www.standard.com/eforms/16940.pdf 14% allocation (18k) at a rate of 2.30% Interested in learning more about...
by dandypandys
Mon Jan 23, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 3248

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

Mine is The Standard’s Stable Asset Fund III https://www.standard.com/eforms/17047.pdf I am still not very good at comparing things as I am still new at this.. do i use the end of quarter on the Vanguard total bond? Looks like my stable asset is also trailing and the 10 yr was particularly bad. Mayb...
by dandypandys
Mon Jan 23, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 3248

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

Posting to follow. I want to know more about this.. I have to decide whether i want to come out of my Stable value fund some now that i have access to total bond, or whether i should just leave it there. No idea how to compare the 2.
by dandypandys
Wed Jan 18, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1421677

Re: The Three-Fund Portfolio

I am about to open my first Vanguard IRA trad account today, with 5.5k, so excited. Earlier in the thread, thanks to all your help I managed to get an equivalent to the 3 fund in my 403b. You helped me choose: Standard Stable Asset Fund ii Vanguard Total Stock Index Vanguard Developing Markets Index...
by dandypandys
Wed Jan 18, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Thank you so much for all your help :) Know what to do now - except feeling a little tempted to wait until the market drops before i drop this 5.5k into Vanguard ira. yikes, i know you shouldn't try to time the market , but .... :dollar :confused should i just bite the bullet and do it today you thi...
by dandypandys
Tue Jan 17, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

one more Q- can you still put the 2016 5.5 k in now before you do the taxes? If we do our taxes and find we are hovering at the 15% 25% range we might go ahead and open one up. Pretty sure this is a basic question, sorry about the ignorance :shock: :confused:
by dandypandys
Tue Jan 17, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Thanks so much. I think we are finally understanding and getting it straight in our brains. That is great about the 5.5k each. Can we put it in the same account I wonder or will he have to open up a separate one? I think I will open them with Vanguard today and get this ball rolling! :sharebeer Thi...
by dandypandys
Tue Jan 17, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Thanks so much. I think we are finally understanding and getting it straight in our brains. That is great about the 5.5k each. Can we put it in the same account I wonder or will he have to open up a separate one? I think I will open them with Vanguard today and get this ball rolling! :sharebeer This...
by dandypandys
Mon Jan 16, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

yeah thanks I have been looking at the investment order a lot. Just trying to figure out where to go for the IRA step - the step after funding 403b to match- whether into the roth ira or traditional, or just stay with the 403b until 18k and not go to the ira until after. We are doing some of the ca...
by dandypandys
Mon Jan 16, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

yeah thanks I have been looking at the investment order a lot. Just trying to figure out where to go for the IRA step - the step after funding 403b to match- whether into the roth ira or traditional, or just stay with the 403b (roth option too) until 18k and not go to the ira until after that. We ar...
by dandypandys
Sun Jan 15, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

livesoft wrote:Rentals are supposed to give you big tax breaks and not cost you any extra taxes.
ah, didn't know that.
so you recommend just doing the 403b to max, none in the 403b roth at all? Then what is this other Roth about?
I think it is the 403b roth that is confusing me.
by dandypandys
Sun Jan 15, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Why do you believe you will be in a higher tax bracket in retirement? I can tell you that I was in the 33% tax bracket while working and dropped to the 15% tax bracket in retirement. I think it is very unusual to be in a higher tax bracket in retirement. Besides, I can (and do) do Roth conversions....
by dandypandys
Sun Jan 15, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Based on what you wrote about your income and tax brackets, you should not use a Roth 403(b). I always used order 1, 3, 2, 4 and it didn't stop me from retiring early and livin' the soft life. Really? I thought it was perhaps better to pay taxes now when perhaps i am earning less than later on (jus...
by dandypandys
Sun Jan 15, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1603

case study- roth 403b, roth, ira, taxable, investing priorities?

Emergency funds: 16k Debt: none- just paid the condo off last year :) Tax Filing Status: married Tax Rate: 25% Federal, 0% State State of Residence:FL Age:41 Desired Asset allocation: 20-25 international 20-25 bonds stable asset fund 60-80% all stocks. VSTAX- 50-60%ish. I fell in love with the 3-fun...
by dandypandys
Sun Aug 07, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 250
Views: 63253

Re: How much international stock? A suggestion.

Thanks again Taylor! 20% it is.
by dandypandys
Tue Aug 02, 2016 6:03 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 359045

Re: What are you up YTD? [Year To Date]

Is this the same as this Rate of Return % given on my Transamerica account? It says: *Calculates the percentage change of your account balance by weighting all activity included in the time period measured. It includes your investment earnings during the period and is net of plan fees and credits. I...
by dandypandys
Thu May 19, 2016 6:52 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 258
Views: 235729

Re: A time to EVALUATE your jitters

I am the same, from April 1st and May 1st compared as pretty much the same number. There is a great forum http://forum.mrmoneymustache.com/ where some people are doing challenges-- i am in the 100-200k one, and noticed other people were at a stand still too- made me feel a bit better- that i wasnt d...
by dandypandys
Wed May 04, 2016 7:15 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1421677

Re: The Three-Fund Portfolio

ooh wonder if this will reflect in my 403b.
by dandypandys
Mon May 02, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 6156

Re: case study portfolio help - I've laid it bare for feedback :)

Thanks again! i did what you said, but the chart was one blue horizontal line- must have done something wrong. I am absolute beginner at Excel, need to watch some Lynda.com and get up to speed, as all you guys use them so much to calculate- and I'm like> :confused
by dandypandys
Sun May 01, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 6156

Re: case study portfolio help - I've laid it bare for feedback :)

Thanks Five K- I was hoping someone would help with my Q- I will run this past the husband as I might be getting confused, as it still is new to me- so I might be better off doing 403b Roth for a while, since my taxes are low otherwise- and in later years when we know our income is higher i could sw...
by dandypandys
Sat Apr 23, 2016 7:24 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 6156

Re: case study portfolio help - I've laid it bare for feedback :)

So i did a little calculation here https://www.dinkytown.net/java/TaxMargin.html It says: Your taxes are estimated at $6,956. This is 9.5% of your total income of $73,258. 9.5% would also be your average tax rate. Your income puts you in the 15% tax bracket. At higher incomes, exemptions, many deduc...
by dandypandys
Thu Apr 21, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 6156

Re: case study portfolio help - I've laid it bare for feedback :)

Hello Looking for a little more help :) I met with a Transamerica 403b advisor through my work this morning. A couple of things he suggested, I wanted to bring back here for 2nd opinions. Currently my 403b is as close to a 3 portfolio as possible with: 14% Standard Stable Asset Fund II 4% Vanguard L...
by dandypandys
Wed Apr 20, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6845
Views: 1495455

Re: U.S. stocks in freefall

As a beginner, I am finding this thread really helpful- thanks Advisors!
by dandypandys
Mon Apr 11, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 6156

Re: case study portfolio help - I've laid it bare for feedback :)

You are fantastic, great job! I think my library has the first one, I might buy the 2nd!
Thanks for all your help. Dana
by dandypandys
Mon Apr 11, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 6156

Re: case study portfolio help - I've laid it bare for feedback :)

Thanks Taylor. :) I think i will go with the 80/20 developing and emerging international to fill the need of the Total international stock in my 3 fund- I am on p23 of your 3 fund thread! It has taken a long time to read, but it has been worth it. ALSO my library here in FL has your book~!!! I am go...
by dandypandys
Mon Apr 11, 2016 6:50 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 6156

Re: case study portfolio help - I've laid it bare for feedback :)

i read the wiki and here too>https://www.bogleheads.org/wiki/Slice_and_dice_international and here https://www.bogleheads.org/wiki/Approximating_total_international_stock_market#TSP_I_Fund_investors but i still would prefer a wise word from someone on the above question in relationship to what my 40...
by dandypandys
Sun Apr 10, 2016 6:00 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1421677

Re: The Three-Fund Portfolio

Ah ok, thanks! Looks like I can't exactly, but 70 % developing 30% emerging might be close? Darn it is frustrating when a retirement fund doesn't let you do this simple portfolio exactly as you guys have laid it out. Edit, finished this mammoth thread woooohooooo!!!!!!!! :happy :D :) :o :P 8-) :shar...
by dandypandys
Sun Apr 10, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1421677

Re: The Three-Fund Portfolio

I am on page 14 now, but still haven't come across the answer I need. Hope it is ok to post here, as it is already in my other thread. What percentages of each of VTMGX Vanguard Dvlp Mrkts Indx Admrl and VEMAX Vanguard Emerging Mkts Stock Idx Adm would make the closest resemblance to Vanguard total ...