Bogleheads.org

Hi kayakprof,
My LE has $60 for recording and other taxes and $3,378 for transfer taxes. My original LE had $0 for transfer taxes. I am doing a $400K refinance. I thought transfer taxes were $0 on refinance.

Thank you all for this thread and leviathan's response. This happened to me as well. I am in Montgomery County, MD. I checked my latest loan estimate and there is $3K of transfer taxes. I have a call with the loan processor on Monday at 5:00PM EST to discuss this. I will post back what I find out.

I do the Nike Training Club app. There are tons of short videos mostly using bodyweight. Right now, premium videos are free.

Thank you all for the feedback. Long time lurker...I love the advice on the site. To answer a few questions: 1). I'm in California but driving back to Maryland in March as part of my military move. I am getting the car ready for the long journey. This is why I brought the car to the dealership for a...

Is it worth it to do major repairs on high mileage car? I have a 2004 Toyota Matrix with 205K miles. It's looking like I have to replace the battery and 3 tires. All do able. However, I also have to replace the front struts (leaking) and potentially control arms as well based on dealership report. I...

1. My dad is 74 years old and my mom is 71 years old. 2. They are comfortably living in India off their social security income. 3. They have to withdraw money from their IRA accounts. They reinvest the money in taxable accounts. 4. The deferred annuities are not in IRA accounts. I believe they are t...

What is a Deferred Annuity? The reason I am asking is for my parents. I am helping to sort out their investment portfolio. They use Fidelity. I have already moved their investments to 3 Spartan funds: FSTVX (Fidelity Total Stock Market Index), FSGDX (Fidelity Global Ex US), and FSITX (Fidelity US Bo...

How are you getting 2.99%, no closing costs from Penfed?

Penfed no-closing cost deal is only on the 5/5 ARM. Current rate is 3.173 APR, 0 points at below link.
https://www.penfed.org/productsandrates ... isting.asp

BWI has 2 long term parking lots -- A and B. Parking is $8/day. We parked there for 2 weeks during our trip to italy and had no problems. The parking lots have 24/7 shuttles going to them. If you are concerned, you can call BWI airport and speak to a representative. Another option would be super shu...

Quick question: If I sell Vanguard Total Stock Market Index Fund and buy the ETF, would the wash sale apply?

Something to consider: Sell Actively managed funds and reduce capital gains. For those newbies such as myself who have recently found this forum, tomorrow (if stock market goes down tremendously) would be a good time to sell Actively managed funds. I for one am considering selling my Vanguard Global...

You sure are taking a risky approach--90% Equities and 10% Bonds. Personally, I am in my thirties and I like having a 60/40 split. It allows me to sleep at night-- especially during times like these. With that said, I don't have a home and most of my net worth is tied to my investments. 90/10 split ...

1372.58

All, I started with $25K in Vanguard Selected Value Fund in my Taxable account. Total cost: $28,332.41 Market value: $31,242.52 Short term gain/loss: $178.06 Long term gain/loss: $2,732.05 I eventually want to move the $$$ to index funds (Total Stock Market Index). Should I sell now to avoid the yea...

Why would VG planners recommend avoiding TIPS and REITs and investing in active + index funds?

I understand why fixed income needs to be in a retirement account. With that said, what if you have maxed out your retirement accounts with fixed income and that you want to keep a certain asset allocation (60/40) and have left over cash in a taxable account? Currently, I have it in in Money Market ...

Do Bogleheads invest in CDs? Is it wise to lock in rates given the 50 bps rate cut and possibility of further rate cuts in the future?

Actually I am holding TIPS. I went off the recommendations of this site and went 50/50, i.e. 50% in TIPS and 50% In Vanguard Total Bond Market Index.
I am still trying to understand TIPS and am reading up on prior conversations.

VBMFX has 5.0% of it's holdings in Commercial Mortgage-based assets whereas VBIIX is 100% treasury. My preference, in light of the sub-prime issue, would be to have 0% in Commercial Mortgage-Backed assets but as Index Fan pointed out it's all in the amount of risk one wants to take. I think I will s...

In light of the sub-prime issues facing the market, is it more prudent to invest in the Intermediate-term Bond index fund (VBIIX) versus the Total Bond market Index fund (VBMFX)?