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Re: Master Thread - Greenville Metro Bogleheads

Snow Boarder, Thanks for all the time and effort you've spent putting the Greenville chapter together. I have read the Master Thread from a few different chapters and was not sure just how much help it was going to be until you showed us how ours was set-up. I spent some time surfing through it afte...
by Southern Belle
Sun Aug 24, 2014 5:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - Greenville Metro Bogleheads
Replies: 10
Views: 1092

Re: Greenville, SC Bogleheads - Whose Interested?

I would be interested in meeting up.
by Southern Belle
Mon Jun 10, 2013 7:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Greenville, SC Bogleheads - Who's Interested?
Replies: 12
Views: 2444

Re: Small Loan Refi Suggestions. Please!!!

pay down the loan to whatever the lowest mortgage PenFed or any other lender will accept rather than refinancing the whole $109K . I think $75K may be a lot more doable than $50K. Thank you Meg77. I like that idea Many lenders have told me we don't make loans that small but I have not asked them wh...
by Southern Belle
Fri May 10, 2013 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Loan Refi Suggestions. Please!!!
Replies: 18
Views: 696

Re: Small Loan Refi Suggestions. Please!!!

A good thing to do would be to call your current lender and ask if they will "recast your mortgage" (Google this) Thank Mr. Watty. I called Wells Fargo, my current lender, and for $250 they will recast (reamortize) the new loan balance. I would like to refinance into a 15 yr but if I am n...
by Southern Belle
Fri May 10, 2013 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Loan Refi Suggestions. Please!!!
Replies: 18
Views: 696

Re: Small Loan Refi Suggestions. Please!!!

G-Money wrote:What if instead, you tried this: 1. Sell original home. Deposit sale proceeds in checking account.
I left an important point of the description. I sold the original home and the check is sitting in a savings account until I figure out what to do.
by Southern Belle
Fri May 10, 2013 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Loan Refi Suggestions. Please!!!
Replies: 18
Views: 696

Re: Small Loan Refi Suggestions. Please!!!

frugaltype wrote:If you make higher than scheduled payments on a loan, be sure that is allowed. Check the paperwork.
Good Suggestion. I always say that 'the devil is in the details'.
by Southern Belle
Fri May 10, 2013 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Loan Refi Suggestions. Please!!!
Replies: 18
Views: 696

Re: Small Loan Refi Suggestions. Please!!!

Their current quote for a US Bank no cost $50K loan (with no other mortgage on a home worth $100K) is 3.25% for 15 years, 2.99% for 10 years and 2.74% for 5 years. I just got off the phone with a charming young man from US Bank. For $55k 15 year loan and zero closing cost he quoted me a 3.875 rate....
by Southern Belle
Fri May 10, 2013 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Loan Refi Suggestions. Please!!!
Replies: 18
Views: 696

Re: Small Loan Refi Suggestions. Please!!!

Cyclone wrote:Do you live in the Boston, Miami, or Los Angeles areas? I know that the bank where I work will make a loan for that amount.
You are so kind Cyclone but I don't live in those metropolitan areas.
by Southern Belle
Fri May 10, 2013 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Loan Refi Suggestions. Please!!!
Replies: 18
Views: 696

Small Loan Refi Suggestions. Please!!!

Does anyone have suggestions for lenders that will refinance small principal balance loans? Small principal means about $50k. Amerisave/aim/penfed and they don't want small principal loans. I am in the process of moving. I bought my new house (closed in March, 2013) before I sold the first one. I ow...
by Southern Belle
Fri May 10, 2013 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Small Loan Refi Suggestions. Please!!!
Replies: 18
Views: 696

Re: Help choosing a smart phone Please!

Thank you everyone for commenting on my 1st post. :happy

Please keep the comments coming. I have alot of learning to do in this area.
by Southern Belle
Tue Apr 30, 2013 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Help choosing a smart phone Please!
Replies: 20
Views: 1384

Re: Help choosing a smart phone Please!

0) Having a smartphone doesn't make you any less of a Boglehead. :) Also, I understand the hesitation of signing a 2-year contract, but if it makes financial sense for your usage, go ahead. :) You are so right on this one. It is more the 2 year contract then owning a smart phone that gets the he is...
by Southern Belle
Tue Apr 30, 2013 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Help choosing a smart phone Please!
Replies: 20
Views: 1384

Help choosing a smart phone Please!

My husband and I just came off of a 2 year contract with Verizon and are now month to month. We have 2 basic phones and unlimitted talk and text for $100+tax. Unlimited is important to us since we have no land line or work provided cell phones. I have decided to get a smart phone while he is a true ...
by Southern Belle
Tue Apr 30, 2013 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Help choosing a smart phone Please!
Replies: 20
Views: 1384

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