[moneymaker]

I’m not an investment guru but let me tell you I went into a bond mutual fund (Vanguard Prime Money Market Fund) about a year ago thinking it was safe. Even though interest rates have gone down (10 year treasury) my yearly increase was like 0.1%, I feel like I was ripped off, but unfortunately it was the “safest” thing I could do in my 401K. I definitely want to get out of bonds, but I feel stocks are overvalued. What to do? The expense ratio for the above fund was .25% WTF

[moneymaker]

I’m not an investment guru but let me tell you I went into a bond mutual fund (Vanguard Prime Money Market Fund) about a year ago thinking it was safe. Even though interest rates have gone down (10 year treasury) my yearly increase was like 0.1%, I feel like I was ripped off, but unfortunately it was the “safest” thing I could do in my 401K. I definitely want to get out of bonds, but I feel stocks are overvalued. What to do? The expense ratio for the above fund was .25% WTF

[moneymaker]

I’m not an investment guru but let me tell you I went into a bond mutual fund (Vanguard Prime Money Market Fund) about a year ago thinking it was safe. Even though interest rates have gone down (10 year treasury) my yearly increase was like 0.1%, I feel like I was ripped off, but unfortunately it was the “safest” thing I could do in my 401K. I definitely want to get out of bonds, but I feel stocks are overvalued. What to do? The expense ratio for the above fund was .25% WTF

[moneymaker]

On a related topic many employers are offering accidental death and dismemberment and it is backed by a life insurance company, but it is not life insurance (has the appearance of being life insurance). My credit union being sappy as they are tried to peddle this stuff my way-no thank you!

[moneymaker]

On a related topic many employers are offering accidental death and dismemberment and it is backed by a life insurance company, but it is not life insurance (has the appearance of being life insurance). My credit union being sappy as they are tried to peddle this stuff my way-no thank you!

[moneymaker]

On a related topic many employers are offering accidental death and dismemberment and it is backed by a life insurance company, but it is not life insurance (has the appearance of being life insurance). My credit union being sappy as they are tried to peddle this stuff my way-no thank you!

[moneymaker]

On a related topic many employers are offering accidental death and dismemberment and it is backed by a life insurance company, but it is not life insurance (has the appearance of being life insurance). My credit union being sappy as they are tried to peddle this stuff my way-no thank you!

[moneymaker]

On a related topic many employers are offering accidental death and dismemberment and it is backed by a life insurance company, but it is not life insurance (has the appearance of being life insurance). My credit union being sappy as they are tried to peddle this stuff my way-no thank you!

[moneymaker]

Everybody gets screwed by someone eventually! Get a second loan lined up on the side, no need to tell agents brother, that’s what I did and I ended up using that plan B as agent’s recommended broker was dragging feet, hoping that as we got closer to close I would have no choice. Please don’t get yourself in that situation, have a plan B. Didn’t know you are an attorney, use your line item veto to make sure they don’t lock out your options. If the house is over $600K then you may be better off waiting anyway. Just my 2¢

[moneymaker]

Everybody gets screwed by someone eventually! Get a second loan lined up on the side, no need to tell agents brother, that’s what I did and I ended up using that plan B as agent’s recommended broker was dragging feet, hoping that as we got closer to close I would have no choice. Please don’t get yourself in that situation, have a plan B. Didn’t know you are an attorney, use your line item veto to make sure they don’t lock out your options. If the house is over $600K then you may be better off waiting anyway. Just my 2¢

[moneymaker]

Everybody gets screwed by someone eventually! Get a second loan lined up on the side, no need to tell agents brother, that’s what I did and I ended up using that plan B as agent’s recommended broker was dragging feet, hoping that as we got closer to close I would have no choice. Please don’t get yourself in that situation, have a plan B. Didn’t know you are an attorney, use your line item veto to make sure they don’t lock out your options. If the house is over $600K then you may be better off waiting anyway. Just my 2¢

[moneymaker]

Everybody gets screwed by someone eventually! Get a second loan lined up on the side, no need to tell agents brother, that’s what I did and I ended up using that plan B as agent’s recommended broker was dragging feet, hoping that as we got closer to close I would have no choice. Please don’t get yourself in that situation, have a plan B. Didn’t know you are an attorney, use your line item veto to make sure they don’t lock out your options. If the house is over $600K then you may be better off waiting anyway. Just my 2¢

[moneymaker]

Everybody gets screwed by someone eventually! Get a second loan lined up on the side, no need to tell agents brother, that’s what I did and I ended up using that plan B as agent’s recommended broker was dragging feet, hoping that as we got closer to close I would have no choice. Please don’t get yourself in that situation, have a plan B. Didn’t know you are an attorney, use your line item veto to make sure they don’t lock out your options. If the house is over $600K then you may be better off waiting anyway. Just my 2¢

[moneymaker]

When I was looking at it as a possibility seems to me that the interest rates on VA loans were almost always higher particularly when rates are going down. The VA rate is determined by bonds sold by the state and they will sometimes sellout and not be available for a month or so. Actually I guess I’m thinking of the CALVET loans. Anyway I personally decided to go conventional and now with rates even lower maybe if I started with a higher rate I would be refi’ing right now. Like the market it might just be a crap shoot!

[moneymaker]

When I was looking at it as a possibility seems to me that the interest rates on VA loans were almost always higher particularly when rates are going down. The VA rate is determined by bonds sold by the state and they will sometimes sellout and not be available for a month or so. Actually I guess I’m thinking of the CALVET loans. Anyway I personally decided to go conventional and now with rates even lower maybe if I started with a higher rate I would be refi’ing right now. Like the market it might just be a crap shoot!

[Author]

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