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Hi, my mother in law lives in a Florida condo community, likely still owns condo with none to not much savings I assume. My trustworthy brother in law asked if we would consider starting to send MIL $100 or $200 per month as he and his brother have been sending her money for years. One other...

Assuming we could get a great rate... Any thoughts on refinancing primary residence from 3.75% 23 year left to ~2.75% / ~15 year and pulling out cash to pay off 4.75% 20 year left rental property? Rough estimates look like we'd save around $40k with term adjusted to match current payments. If...

We finally removed escrow on 4 properties we own and will need to save the money for taxes and insurance on our own each year which is significant. Any creative thoughts on how to get a return on this cash in savings each year? Best high interest savings? Thoughts on using all available cash...

Does anyone have any advice to plan for trying to avoid or reduce wep? My dw worked w2 jobs for about 16 years but has been with Ohio state for the last 4.5 years with arp 401a. Is it possible to get a short term part time w2 job on the side to count as w2 income each year to get to 30 years...

I checked mint today and we finally broke 1 million in net worth. Its between my wife and I so I guess I'm only a 500 thousand-aire but still interesting to see an extra digit there. I'm 37.5, DW is 36...a little over half are investments pre and post tax, the rest is real estate equity...

Hi there, I think I should exchange some vanguard funds from my brokerage account to roth to avoid taxes. Any thoughts on what to transfer? (I have a mix of admiral various cap stock funds, international...i didn't know if any were better than others to avoid taxes?) Part 2...thoughts on...

Wondering if any of you smart ERers had any advice for me. Long story short, our bank never notified us of a $50 escrow increase and continued to accept our normal va loan mortgage payment on a rental and putting in unapplied funds and moving towards foreclosure! We had perfect credit and home...

Just venting...found out thursday night by logging in to get missing tax document for a rental property(with good equity) that it is currently in foreclosure! Apparently the bank increased escrow about $50/month in October and never told us! They sent statements to the wrong address(they have...

Going down in a few weeks and will have a car to go between beaches and volcanoe. Any recommendations for off the beaten path stuff? Good food, must see/do, places to explore?

I'm 35 and making some changes in my vanguard account. Any favorite vanguard funds out there for a low cost portfolio? Trying to simplify a bit and start actually rebalancing to a plan. Just not sure what that plan should be yet :) Sent from my SPH-L710 using Early Retirement Forum mobile app

It seems calculating and tracking this can get confusing with all the variables. I was curious what others use to calculate real estate roi as well as stock/fund roi. Any excel templates or free software people like? Sent from my SPH-L710 using Early Retirement Forum mobile app

Hi there, I was just wondering if anyone has made a similar big move. I'm 35, married with two small children(3 and 1), lived in ohio my whole life and while we have many friends near us and family a few hours away we love denver and are considering a move if one of us gets a good job...

Hi, I see in Vanguard that I have $517 in dividend capital gains in my brokerage account from vanguard funds and a few stocks. Any recommendation son how to offset this and if I should? I have VEMAX short term loss of $600 if I sold? I have VTIAX short term loss of $252 if I sold? I have...

After reading on here I am planning to dump my higher cost funds in scottrade and transfer to low cost vanguard index funds. Roth $85k...holds 17 different funds and vanguard said they could cost up to $35 each to sell. Should I liquidate in scottrade first? Should I buy one etf or...

Hi, age 34, I will become eligible for 401k October 1 and planned to contribute max 75% to get me just about to the yearly 17.5k limit. It's basically no match but Roth is already funded and sitting on about $100k cash that we have been trying to think what to do with.(buy another rental or put...

Hello! Anyone have thoughts on the best way to do this? We have a new born and two year old and would like to start planning. Coverdell vs. Other options? Roth? Ways to do pretax? Use investment property? My thoughts/concerns are that we save a bunch of money and then our kid gets no free...

I was just curious if you deducted estimated future expenses/liabilities in your net worth figures.(taxes on taxable accounts, real estate sales fees and taxes, etc.)

Everyone is so helpful on this forum and I have learned so much reading through the posts over the years! I am 34, DW and I have a 2 year old and another baby on the way. Combined we earn around $135/year. I no longer have any 401k options at work but have maxed out my Roth IRA every year...

Hello! I was hoping to get some ideas and opinions on my situation. I'm 33 and married with one baby. We have about $50k in cash not earning more than .5% or so and another $250k or so in home equity spread across our personal residence and 3 rentals. Any thoughts on how to put this money...

Im curious how many folks have income outside of your normal 9-5 and investment accounts. Would love to hear ideas and $ they generate.

Anyone have any etfs or funds they like? It seems hard to filter for low fee, no transaction, no load, with good performance. I only made 11% this past year in my iras so I feel changes are in order. I made 60% in another very small brokerage account where I picked a handful of stocks...

Hi all, With the upcoming election there is talk of limiting deductions. We have 4 rental properties and I was wondering if this would effect them or if that is considered a business expense.

Hello all, I'm 30, have been married 3 years, we have no kids but are trying now. We have our old $140k house(owned for 5 yrs) rented to a family that cash flows $100/mo, maybe $10k in equity now, 30 yr fixed rate around 5%, we are paying pmi. We now live in a $160k house with 30yr fixed...