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Raybyrnes
ParticipantI would say the stupidity that I se is in holding large sums (if it simultaneously represents large % of portfolio) in cash. I would open up a treasurydirect.gov accout and look to get a tax free yield off an I-bond. If you do not feel like looking through bond offerings you would be better served to find some tax free muni bond funds. With a couple of Hundred thousand to invest you can go into the A shares and take advantage of the break points with respect to sales charges. JMTC
ParticipantI would say the stupidity that I se is in holding large sums (if it simultaneously represents large % of portfolio) in cash. I would open up a treasurydirect.gov accout and look to get a tax free yield off an I-bond. If you do not feel like looking through bond offerings you would be better served to find some tax free muni bond funds. With a couple of Hundred thousand to invest you can go into the A shares and take advantage of the break points with respect to sales charges. JMTC
ParticipantI would say the stupidity that I se is in holding large sums (if it simultaneously represents large % of portfolio) in cash. I would open up a treasurydirect.gov accout and look to get a tax free yield off an I-bond. If you do not feel like looking through bond offerings you would be better served to find some tax free muni bond funds. With a couple of Hundred thousand to invest you can go into the A shares and take advantage of the break points with respect to sales charges. JMTC
ParticipantI would say the stupidity that I se is in holding large sums (if it simultaneously represents large % of portfolio) in cash. I would open up a treasurydirect.gov accout and look to get a tax free yield off an I-bond. If you do not feel like looking through bond offerings you would be better served to find some tax free muni bond funds. With a couple of Hundred thousand to invest you can go into the A shares and take advantage of the break points with respect to sales charges. JMTC
ParticipantThe ETF’s don’t really work based on the low dollar amount. When you only have a limited amount of money the commission to buy is far higher than the management fees charged on the mutual funds. Look at the costs on Fidelity’s Spartan 500 FSMKX the expense is .10 of 1 %. Don’t think you are really doing any better with an ETF when you factor in Commission.
ParticipantThe ETF’s don’t really work based on the low dollar amount. When you only have a limited amount of money the commission to buy is far higher than the management fees charged on the mutual funds. Look at the costs on Fidelity’s Spartan 500 FSMKX the expense is .10 of 1 %. Don’t think you are really doing any better with an ETF when you factor in Commission.
ParticipantThe ETF’s don’t really work based on the low dollar amount. When you only have a limited amount of money the commission to buy is far higher than the management fees charged on the mutual funds. Look at the costs on Fidelity’s Spartan 500 FSMKX the expense is .10 of 1 %. Don’t think you are really doing any better with an ETF when you factor in Commission.
ParticipantThe ETF’s don’t really work based on the low dollar amount. When you only have a limited amount of money the commission to buy is far higher than the management fees charged on the mutual funds. Look at the costs on Fidelity’s Spartan 500 FSMKX the expense is .10 of 1 %. Don’t think you are really doing any better with an ETF when you factor in Commission.
ParticipantThe ETF’s don’t really work based on the low dollar amount. When you only have a limited amount of money the commission to buy is far higher than the management fees charged on the mutual funds. Look at the costs on Fidelity’s Spartan 500 FSMKX the expense is .10 of 1 %. Don’t think you are really doing any better with an ETF when you factor in Commission.
ParticipantIf you are thinking La Jolla, 1st time homeowner might not work. But there are more than enough areas where this limit is more than enough.
2008 HOMEOWNERSHIP PROGRAM INCOME LIMITS ATTACHMENT A
SAN DIEGO
EXISTING RESALE NEW CONSTRUCTION
1or2 Person 3+ 1or2 Persons 3+
Moderate Income$ 94,800 $ 110,600 $ 94,800 $110,600
Low Income $ 56,880 $ 65,412 $ 66,360 $ 76,314ParticipantIf you are thinking La Jolla, 1st time homeowner might not work. But there are more than enough areas where this limit is more than enough.
2008 HOMEOWNERSHIP PROGRAM INCOME LIMITS ATTACHMENT A
SAN DIEGO
EXISTING RESALE NEW CONSTRUCTION
1or2 Person 3+ 1or2 Persons 3+
Moderate Income$ 94,800 $ 110,600 $ 94,800 $110,600
Low Income $ 56,880 $ 65,412 $ 66,360 $ 76,314ParticipantIf you are thinking La Jolla, 1st time homeowner might not work. But there are more than enough areas where this limit is more than enough.
2008 HOMEOWNERSHIP PROGRAM INCOME LIMITS ATTACHMENT A
SAN DIEGO
EXISTING RESALE NEW CONSTRUCTION
1or2 Person 3+ 1or2 Persons 3+
Moderate Income$ 94,800 $ 110,600 $ 94,800 $110,600
Low Income $ 56,880 $ 65,412 $ 66,360 $ 76,314ParticipantIf you are thinking La Jolla, 1st time homeowner might not work. But there are more than enough areas where this limit is more than enough.
2008 HOMEOWNERSHIP PROGRAM INCOME LIMITS ATTACHMENT A
SAN DIEGO
EXISTING RESALE NEW CONSTRUCTION
1or2 Person 3+ 1or2 Persons 3+
Moderate Income$ 94,800 $ 110,600 $ 94,800 $110,600
Low Income $ 56,880 $ 65,412 $ 66,360 $ 76,314ParticipantIf you are thinking La Jolla, 1st time homeowner might not work. But there are more than enough areas where this limit is more than enough.
2008 HOMEOWNERSHIP PROGRAM INCOME LIMITS ATTACHMENT A
SAN DIEGO
EXISTING RESALE NEW CONSTRUCTION
1or2 Person 3+ 1or2 Persons 3+
Moderate Income$ 94,800 $ 110,600 $ 94,800 $110,600
Low Income $ 56,880 $ 65,412 $ 66,360 $ 76,314 -
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