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Raybyrnes
ParticipantIf you hate Sallie Mae why don’t you have the loan assumed by the William D Ford Direct Loan Program http://www.direct.ed.gov. With 50 K in debt you have the opportunity of extending the term to up to 25 years.
I would personally elect to make an interest only payment. There is a little secret to the Federal Loan program that once you ache paid on the loan for 25 years the remaining balance is forgiven. I am not certain if the 10 years you have put in would be counted toward the 25 years http://studentaid.ed.gov/repay-loans/understand/plans “If you have not repaid your loan in full after making the equivalent of 25 years of qualifying monthly payments, any outstanding balance on your loan will be forgiven.”
Additional benefits of this debt. In the event event of death or permanent disability this debt is forgiven.
4% is not a very difficult hurdle rate to outperform.
ParticipantBefore doing anything evaluate the funds in the account. Sometimes the company 401K’s have access to institutional accounts which you may not have access to in a brokerage account. If that the case see if that fits into your asset allocation and leave it alone.
If the 401 K is not great the funds are not good and have high expense fees then consider a Roll over IRA. 5K is not much. Schwab has a family plan and when the family hits target amounts in the account you are subject to lower fees. This asset accumulation may work well. As to what to put the 5K into is entirely dependent upon your target asset allocation but I like the thought of the ETF for one time transaction although a good mutual fund that you dollar cost into over time may prove to be advantageous dow the line as you hit certain thresholds and the fees go down. Typically 50 and 100K.Good Luck
ParticipantFunny. I reread my old post regarding the whole life policy not so much in defense of this strategy but to say that it may be appropriate in some circumstances. i also pointed out that 5% might have been a fairly good return on a risk free investment.
So far had they bought that policy they would have been well ahead of the buy term and invest in CD (comparable risk free strategy) Just saying.
ParticipantTypically a deep cleaning is charged per quadrant so you may want to find out if that is for the whole mouth or per quadrant.
You gum pockets would need to be over 4 millimeters to necessitates a deep cleaning
Sealants may be applicable for children but are an unnecessary up-sell for an adult.
Hope this helps. Wife is a dentist.
April 29, 2012 at 7:23 PM in reply to: Home prices compared to 2001 evel & data on sub-markets #742433ParticipantI generally look at the year closest to 2002 and then subtract 10% a year to back into an approximate 2002 value.
EX Home sold for 600K in 2004. 10% 600K = 60K x 2 = 120K. Estimate current value of property 600K – 120= 480K
If a home has a value less then this it shows up on my watch list.
I use a similar calculation going forward. 600k in 2001 1 year time %10 (600K) = 60K Estimated 2002 cost 660 K.
I could use arithmetic or geometric calculations but this is a quick math way of seeing if this should hit the watch list.
ParticipantProperty History for 13030 Lamia Pt
Date Event Price Appreciation Source
Jan 14, 2012 Pending (Contingent) — — Inactive SANDICOR #3
Jan 13, 2012 Listed (Active) $425,000 — Inactive SANDICOR #3
Jul 01, 2008 – Delisted — — Inactive CRMLS #2
May 05, 2008 Sold (Public Records) $538,000 -3.5%/yr Public Records
May 05, 2008 Sold (MLS) (Sold) * — Inactive SANDICOR #1
Apr 09, 2008 Delisted * — Inactive SANDICOR #1
Mar 25, 2008 Price Changed * — Inactive SANDICOR #1
Jan 06, 2008 – Listed * — Inactive CRMLS #2
Jan 02, 2008 Listed * — Inactive SANDICOR #1
Dec 08, 2005 Sold (Public Records) $586,500 — Public RecordsJanuary 7, 2012 at 8:42 AM in reply to: OT: LOL… All you folks that are trying to eat organic from places like Whole Foods…. #735503ParticipantIf You never Saw this Video it is worth taking a moment to watch regarding Food and Food Allergies.
ParticipantMakes it easier to use as a comp for other transactions. Nice looking place.
ParticipantSD Realtor
I did a search and came up with only a limited amount of info. Nothing to fully suggest impropriety. Everything ties back to Schlachter.
Your remarks imply that it was not an arms length transaction.
ParticipantSD Realtor
SImply suggested it looks like a decent deal. House could have mold, cracked foundation etc that would negate the statement.
If it is not an arm length transaction it doesn’t really matter because it become s a comp for the next home which only benefits those on the sidelines
ParticipantSD Realtor
SImply suggested it looks like a decent deal. House could have mold, cracked foundation etc that would negate the statement.
If it is not an arm length transaction it doesn’t really matter because it become s a comp for the next home which only benefits those on the sidelines
ParticipantSD Realtor
SImply suggested it looks like a decent deal. House could have mold, cracked foundation etc that would negate the statement.
If it is not an arm length transaction it doesn’t really matter because it become s a comp for the next home which only benefits those on the sidelines
ParticipantSD Realtor
SImply suggested it looks like a decent deal. House could have mold, cracked foundation etc that would negate the statement.
If it is not an arm length transaction it doesn’t really matter because it become s a comp for the next home which only benefits those on the sidelines
ParticipantSD Realtor
SImply suggested it looks like a decent deal. House could have mold, cracked foundation etc that would negate the statement.
If it is not an arm length transaction it doesn’t really matter because it become s a comp for the next home which only benefits those on the sidelines
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