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Hey Everyone...I could use some advice here as I'm a little confused as to what to do. I have a condo in which it's pretty expensive to maintain but am hesitant to sell right now due to the declining market around me. The apartment has about $380K left on the mortgage and I can probably sell...

Just had a deal fall thru on a house because of foundation related issues (had a great inspector that caught it). The house is 40 years old and sadly was not maintained well by the current owner. Now I'm not sure what to do next.... I'm looking in a location in which sadly buying a 800K house...

Wondering about folks' experience with Capital One Interest Plus Savings (the one that is paying 1.25% + 10% bonus) as compared with ING Orange Savings. InterestPlus Online Savings Account Features One good thing (perhaps) with ING is that the interest is calculated monthly rather than daily...

Just curious. I know a lot of ppl use them for auto insurance, but what about umbrella (ie: including the home, etc) what your experiences are with them to cover that? Or should I go with someone else to get umbrella? I use GEICO right now for my car, but am a bit nervous to ask them to cover...

I'm currently in the 28% tax bracket and just checked my withholding and realized that I'm just doing 2 allowances for 2011 (for myself and my wife). For the 2009 tax year, I got about 5K back from the IRS and I want to stop getting the large return. I now a have a child as well, so I should...

I've seen some posts about Charles Givens' book and I might order it. Can someone explain how the pay the 30 yr mortgage in 15 works? From what I understand it requires knowing (and paying in advance) the principal for the "next" month, but I'm a tad confused about that. Thanks everyone, I...

Hopefully this helps folks to avoid my mistakes. I did a tally last night of the contributions I've made since I've been working back in the mid to late 90's, and it's sad but I'm negative for that time period. I had invested in the Vanguard Aggressive Growth initially, then didn't like the...

any recommendations for a website that will allow me to just plug in the # of shares I have in such and such portfolio and then graph it for me in terms of percentage of assets by class, etc (ie: bonds, international stock, etc)? want that site to obviously keep track of the current price and do...

It's a tough call... I like T. Rowe (PRMSX) and I like Vanguard...not happy about the "load" that Vanguard charges for the VEIEX fun to discourage the market timers but trying to see in the end if the low cost (otherwise) of it justifies putting $$$ into it, rather than go with T. Rowe...

trying to diversify my non-retirement assets and looking at VBMFX...very hesitant because i'm guessing interest rates are gonna go up and we know what that does to bond prices. btw the guy who runs the PIMCO total return fund (biggest bond fund) is quite bearish about bonds in this week's...

Currently I have 2 funds (both equity) for my IRA and am thinking about adding more, but the overhead of managing them in the long term is a concern to me. I have one Vanguard one and one from Wells Fargo (they bought out Strong investments which I opened up this fund with a few years back and...

Just wondering about people's experiences with USAA vs. Vanguard/T Rowe in terms of satisfaction/expense ratios, fee etc. I just became eligible to invest in USAA due to my father's military service and am thinking about the USAA funds for retirement (ie: target funds), but they don't seem to...

Was going thru a bunch of plans and plopped a few thousand bucks to open up an account for my firstborn for the UESP 529 plan this week. had been going back/forth with this 529 vs the Nevada/Vanguard and Alaska/T Rowe Price, but ultimately was convinced that Utah was the better choice (at...

hi everyone! I just sold my home this year, and did full scale renovations of my old place back in 2006. Am I entitled to any kind of tax deduction - for this tax year - due to these renovations as I sold the house this year? Kept all the receipts and the renovations were about $30K. If there...

Hey folks, I've done a little bit of reading on it from various websites, but would to know if folks have experience with this. Basically I'm thinking about selling a house in this bad market, but most buyers are not able to put the 20% down to make the down payment outright and then are subject...

Been reading Insurance for Dummies and they said that the one insurance that no one ever really goes for is this one. They said there is about a 33% chance you will be disabled from working for some reason or other (possibly long-term), so this got me thinking a lot about my assets, etc... I'm...

I was alerted to these 2 videos (which I think some of you have seen): YouTube - U.S. Headed For Fiscal Crisis? YouTube - GAO: "USA is living beyond its means" What are you thoughts about what he has to say and the effect on the future of SS/Medicare? He's talking about Mega-trillions of debt...

For some strange reason, I have been living in a vacuum and have NEVER heard of the IRS 8606 form that I guess I need to file with my non-deductible/traditional IRA that I've contributed to for the past few years.I guess the IRS is gonna have a field day with me in terms of fines. Avoiding IRS...

So it's staying 15.5 for now for folks under 50, and I think gov't will decide in '09 whether to raise it by 500 increments depending on their view of inflation. My guess is it'll be 16K in '09, but for whatever reason we have no idea til probably Q3 or even Q4 of next year. Oh well :)

this is my first post here. :) i'm 34 (and married), and we have a little over 200K now in our combined retirement assets right now (I didn't contribute to my IRA for a couple of years and I regret it now) , so i'd love to learn from you folks how to get on track to my financial independence...