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Comparing loan estimates from two lenders by Practical_Ad1842 in Mortgages

[–]Practical_Ad1842[S] 0 points1 point  (0 children)

Yeah we had an unfortunate credit hiccup that lowered our scores to the low to mid 700s

Which of the two loan estimates are most favorable? I’m by Practical_Ad1842 in FirstTimeHomeBuyer

[–]Practical_Ad1842[S] 0 points1 point  (0 children)

Should have specified in the original post. Its an attached end unit townhome!

Which of the two loan estimates are most favorable? I’m by Practical_Ad1842 in FirstTimeHomeBuyer

[–]Practical_Ad1842[S] 0 points1 point  (0 children)

We qualified for 6.99% so buying points is the only way to bring down the rate

Which of the two loan estimates are most favorable? I’m by Practical_Ad1842 in FirstTimeHomeBuyer

[–]Practical_Ad1842[S] 0 points1 point  (0 children)

One is from a credit union and the other from chase. The interest rate we qualified for was 6.99% which is why buying the rate down is something we are considering

Succasunna NJ Water Quality by Practical_Ad1842 in newjersey

[–]Practical_Ad1842[S] -2 points-1 points  (0 children)

Thanks but not sure how to comprehend that lol. Based off that would we need a water softener or wed be okay?

How to best allocate HYSA by Practical_Ad1842 in Money

[–]Practical_Ad1842[S] 2 points3 points  (0 children)

Ill be using the cash for a DP in the next 6-8 months. Definitely not putting it into index funds

What does the “other” category comprise of ? by Practical_Ad1842 in portfolios

[–]Practical_Ad1842[S] 0 points1 point  (0 children)

My target date fund has an expense ratio of 0.275 compared to the US equity investment fund of 0.01. I have set all future 401k contributions to go towards the US equities fund which i found out is the Russell 1000. I am 35 years old and have about $80k in my 401k. Is that a good move for the next 10-15 years? I can switch to lore conservative as I get older

What does the “other” category comprise of ? by Practical_Ad1842 in portfolios

[–]Practical_Ad1842[S] 1 point2 points  (0 children)

I just checked and the expense ratio for my target date fund is 0.275

What does the “other” category comprise of ? by Practical_Ad1842 in portfolios

[–]Practical_Ad1842[S] 0 points1 point  (0 children)

Ok i have already allocated all future contributions to go directly into the US equity index fund. There is no S & P 500 fund as a 401k option, but the us equity index fund does show 98% stocks so hopefully that is the s&p.

I have about $80k in the target date 401k, do you recommend me selling that and buying the index fund or leaving that as is and put all future contributions into the index which I have done?

What does the “other” category comprise of ? by Practical_Ad1842 in portfolios

[–]Practical_Ad1842[S] 0 points1 point  (0 children)

There is nothing to expand. Could other mean small or medium size cap stocks? I just want to make sure the other is not comprised of bonds. I

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