Search found 20 matches

by dragant
Sat Dec 26, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: (MD) Transfer Tax when Refinancing?
Replies: 5
Views: 496

Re: (MD) Transfer Tax when Refinancing?

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.
by dragant
Sat Dec 26, 2020 1:03 am
Forum: Personal Finance (Not Investing)
Topic: (MD) Transfer Tax when Refinancing?
Replies: 5
Views: 496

Re: (MD) Transfer Tax when Refinancing?

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.
by dragant
Mon Mar 30, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 10168

Re: How Do you Exercise Indoors?

I do the Nike Training Club app. There are tons of short videos mostly using bodyweight. Right now, premium videos are free.
by dragant
Fri Feb 15, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: High Mileage Car
Replies: 24
Views: 2850

Re: High Mileage Car

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...
by dragant
Thu Feb 14, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car
Replies: 24
Views: 2850

High Mileage Car

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...
by dragant
Tue Apr 25, 2017 7:36 pm
Forum: Personal Investments
Topic: Deferred Annuity
Replies: 7
Views: 1679

Re: Deferred Annuity

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...
by dragant
Tue Apr 25, 2017 1:28 pm
Forum: Personal Investments
Topic: Deferred Annuity
Replies: 7
Views: 1679

Deferred Annuity

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...
by dragant
Wed Aug 24, 2011 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Sub-3% no-closing cost refis?
Replies: 8
Views: 2086

Penfed mortgage rates

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
by dragant
Sun Aug 08, 2010 8:24 am
Forum: Personal Consumer Issues
Topic: BWI off site parking..
Replies: 9
Views: 1891

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...
by dragant
Sun Oct 12, 2008 1:41 pm
Forum: Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 254
Views: 70364

Quick question: If I sell Vanguard Total Stock Market Index Fund and buy the ETF, would the wash sale apply?
by dragant
Mon Jan 21, 2008 5:23 pm
Forum: Investing - Theory, News & General
Topic: tomorrow going to be really ugly
Replies: 124
Views: 27120

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...
by dragant
Thu Jan 17, 2008 11:34 pm
Forum: Personal Investments
Topic: Finally making the move...
Replies: 5
Views: 1760

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 ...
by dragant
Tue Jan 01, 2008 8:26 pm
Forum: Investing - Theory, News & General
Topic: 2008 BOGLEHEAD CONTEST REGISTRATION
Replies: 317
Views: 80597

1372.58
by dragant
Mon Nov 05, 2007 9:36 pm
Forum: Personal Investments
Topic: Should I sell mutual fund to avoid year-end distribution?
Replies: 2
Views: 1037

Should I sell mutual fund to avoid year-end distribution?

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...
by dragant
Thu Sep 27, 2007 10:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard CFP for $250 ?
Replies: 9
Views: 2649

Why would VG planners recommend avoiding TIPS and REITs and investing in active + index funds?
by dragant
Wed Sep 26, 2007 9:30 am
Forum: Investing - Theory, News & General
Topic: CDs at Vanguard - 5.15% for 3 months, 6 months
Replies: 13
Views: 3315

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 ...
by dragant
Wed Sep 26, 2007 9:15 am
Forum: Investing - Theory, News & General
Topic: CDs at Vanguard - 5.15% for 3 months, 6 months
Replies: 13
Views: 3315

CDs at Vanguard - 5.15% for 3 months, 6 months

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?
by dragant
Sun Sep 02, 2007 9:26 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Index versus Intermediate-term Bond Index
Replies: 21
Views: 5708

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.
by dragant
Sun Sep 02, 2007 6:36 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Index versus Intermediate-term Bond Index
Replies: 21
Views: 5708

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...
by dragant
Sat Sep 01, 2007 9:13 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Index versus Intermediate-term Bond Index
Replies: 21
Views: 5708

Total Bond Market Index versus Intermediate-term Bond Index

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)?