David

David

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Posts by David

True Cost of Owning a Home

16 years ago
in
Cameron Huddleston gives a nice overview for first time home owners on all the expenses homeownership entails besides the monthly mortgage payment. Insurance Property Taxes Utilities Appliances Furniture Home Repair and Maintenance Yard care Pest control Remodeling

Long Term Care Policy Rates Can are not Fixed

16 years ago
in
When long term care policies are sold, people are reassured that the premiums will be stable.  But they often forget this is not a guarantee and if the insurance company discovers they have underpriced a product for a class of people the premium will go up. I have actually been impressed that John [...]

Buy versus Rent Calculator

16 years ago
in
The New York Times has put together a great calculator for comparing the economics of buying versus selling a home. Don’t miss the advanced settings in the upper right.  They will allow you to change all kinds of assumptions from transaction costs, to maintenance costs and others.

Genetic Testing Without Worry

16 years ago
in
With Bush’s signing of the Genetic Information Nodiscrimination Act (GINA), in 12 to 18 months people can get genetically tested without worrying about how it will affect their health insurance (in 12 months) and employment status (in 18 months). From my initial reading, it looks like genetic [...]

Managed Payout Funds

16 years ago
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I believe these will eventually become standard fare for retirees.  Unfortunately it is going to take a while for the field to settle down and figure out exactly how these should be configured.  I currently like Vanguard’s funds the best with the following caveats. Their distributions are too [...]

Map of Long Term Care Costs

16 years ago
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Genworth has created a map to see long term care costs in your state.  It is mostly at the state level although many large cities have their own numbers.  Metlife’s Nursing home survey covers more metropolitan areas if you can’t find yours here.

Tracking Municipal Bond Trades

16 years ago
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There is a new site that tracks all trade information for municipal bonds. If you are considering buying or selling individual municipal bonds, this site is invaluable.  It is amazing to me how inefficient this market still is. I was reviewing a particular issue and it was not uncommon to see a [...]

Online Life Coaching

16 years ago
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People are increasingly making use of life coaches to help them align their lives with their values.  Here are two sites that focus on helping people transition to their next stage in life. What’s Next in Your Life My Next Phase

Widow(er) Home Capital Gains Exclusion

16 years ago
in
The “Mortgage Forgiveness Debt Relief Act of 2007” allows a surviving spouse to exclude from gross income up to $500,000 of the gain from the sale or exchange of a principal residence owned jointly with a deceased spouse if the sale or exchange occurs within two years of the death of the spouse and [...]

Temporary Jumbo Conforming Limits

16 years ago
in
Until the end of the year Fannie Mae limits have been raised from $417K to custom levels by MSA.  Hawaii still has the top limit of around $793K with a number of major metropolitan areas in the $729K arena. Go to https://entp.hud.gov/idapp/html/hicostlook.cfm to look up an areas new [...]
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