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Re: HELP! Mortgage company is denying my PMI termination req

It seems better to pay down now than risk complications (LTV 78%, 24 months, appraisal etc.) later. I am going to do that to my own situation described in viewtopic.php?f=2&t=156275 to lower my LTV from 85% to 80%.
by slbnoob
Fri Jan 30, 2015 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3096

Re: Refinance motrgage

Thanks. I've been impatiently refreshing this page for confirmation :D However in the meantime, I decided to go ahead with it. No PMI yields direct savings. No escrow frees up cash on a monthly basis. However I will keep that 'escrow' amount in a HY savings account. I'd much rather pay taxes and ins...
by slbnoob
Fri Jan 30, 2015 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance motrgage
Replies: 12
Views: 1210

Re: HELP! Mortgage company is denying my PMI termination req

Don't want to deviate from the thread but will the bank also waive escrow if LTV<80%?
by slbnoob
Fri Jan 30, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3096

Re: Refinance motrgage

My situation has changed slightly since the last time I asked for some refinance/mortgage advice. This is because the appraisal came above what I expected (in sharp contrast with my original financing when I bought the house, 7 months ago). With the current appraisal, my LTV is above 85%. Scenario 1...
by slbnoob
Fri Jan 30, 2015 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance motrgage
Replies: 12
Views: 1210

Dividend tax question

I have a rather basic tax question for dividends I wanted to get an opinion on. For dividends in my taxable account, I should find out the qualified percentage and divide into qualified and ordinary dividend, right? Also for dividend paid out by stocks in my ESPP, I am guessing I should report that ...
by slbnoob
Thu Jan 29, 2015 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dividend tax question
Replies: 2
Views: 416

Re: HELP! Mortgage company is denying my PMI termination req

From my limited understanding of these issues and your OP, I think you are in the right here. However I do feel the 24 month thing could be an issue. You may try to push this issue a little more (writing?). But definitely I see no reason why they could deny 3 months from now when you'll be past the ...
by slbnoob
Thu Jan 29, 2015 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3096

Re: Iceland

I respectfully disagree with the opinion that Blue Lagoon is comparable to any of the innumerable public pools in Iceland such as Laugardalslaug. Every city has a geothermal pool. Once you go inside they look truly un-remarkable if you didn't know they had geothermal water. They are simply neighborh...
by slbnoob
Wed Jan 28, 2015 10:32 am
 
Forum: Personal Consumer Issues
Topic: Iceland
Replies: 15
Views: 1294

Re: Iceland

Went there last September and can't wait to go back again. It is a very beautiful country. We drove around the Ring Road for 7-8 days and visited all the major attractions. Didn't go to the highlands or West Fjords. Sound advice here and elsewhere on this forum. It wasn't too cold but was getting to...
by slbnoob
Tue Jan 27, 2015 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Iceland
Replies: 15
Views: 1294

Re: Android or iPhone? Which do you like, and why?

More than 2 years ago, I got myself an S3 and wife a 4S. At that time, it peeved me to no end that I had to push multiple buttons on the iPhone to access some settings which were simply a flick away on my Android. Ofcourse I wouldn't get it why anyone would want a smaller screen. Also, Android allow...
by slbnoob
Sun Jan 25, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1831

Re: How to climb up in a megacorp

Roughly speaking, the chances of becoming a CEO at any given time is on the order of 1 among 100,000, whereas that of top management could be 50-100 times better than that. I am practically only targeting the latter. Ours being a rather tech oriented company, I have not yet seen a single MBA only cr...
by slbnoob
Sun Jan 25, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 4880

How to climb up in a megacorp

It's a very generic question but I was hoping to read some opinions from the wisdom on this board. I'm 30 with a Ph.D. in engineering, working for an O&G megacorp for a little over 2 years now. Assuming I still have my job for the foreseeable future, how can I play my cards right to climb up the...
by slbnoob
Fri Jan 23, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 4880

Re: Refinance motrgage

With those numbers, you should shop around and refinance to 15 year. There may not be any benefit in commingling spousal assets. During refinance, you'd have to show enough income and credit worthiness. If both apply, both incomes can be combined however the best credit score of you two would be cho...
by slbnoob
Fri Jan 23, 2015 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Refinance motrgage
Replies: 12
Views: 1210

Re: Suspend 403b contributions to cancel mortgage insurance?

Thanks for the replies. You all inspired me to check out refinancing. It looks like I can get a 3.7% fixed 15 year conventional mortgage without PMI with a total of about $2,000 in closing costs. This seems like a complete no-brainer as I can shorten the term, save interest, ditch PMI, and not touc...
by slbnoob
Thu Jan 22, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suspend 403b contributions to cancel mortgage insurance?
Replies: 12
Views: 1071

Re: Refinance motrgage

Remember there's also the option of 25 years mortgage if you're already a few years into your original 30 years mortgage and don't want to stretch out the term again (and pay more interest).
by slbnoob
Thu Jan 22, 2015 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Refinance motrgage
Replies: 12
Views: 1210

Re: Already having second thoughts about HSA Bank

Chase HSA has been bought by HSA Bank. I hope that transition goes smoothly.
by slbnoob
Fri Jan 16, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 19
Views: 2258

Chase HSA bought by HSA Bank

I received a letter today from Chase HSA saying that they've been bought by HSA Bank. The transition will occur in the next few weeks. Perhaps this is good news as far as the investment options are concerned (Vanguard funds). Chase HSA investment options suck.
by slbnoob
Thu Jan 15, 2015 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Chase HSA bought by HSA Bank
Replies: 1
Views: 326

Re: Another refinance question

I have been looking for a while on zillow and even banks recommended on here. The lowest I've seen is with Texas Trust Loans and close to what my broker is suggesting. In my case since the LTV is relatively high, I'm not getting the best rates. However it works for me to reduce anyway I can. I'm inc...
by slbnoob
Wed Jan 14, 2015 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another refinance question
Replies: 6
Views: 583

Re: Another refinance question

Thanks.

Today my broker offers 3.75 with 3300 as credit. With TNX down 4% today, I guess I will have to market time and pull the trigger today.
by slbnoob
Wed Jan 14, 2015 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another refinance question
Replies: 6
Views: 583

Another refinance question

Middle of last year, I closed on a 260K mortgage at 4.25%. I paid $1300 to get this interest rate since I thought hey, I'm buying this for the long term and interest rates have nowhere to go but up, right? Fast forwrd a few months and interest rates have gone lower. My mortgage broker is offering me...
by slbnoob
Tue Jan 13, 2015 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another refinance question
Replies: 6
Views: 583

Re: Looking for low cost cell phone plans...

OP: I did a fair amount of research on inexpensive GSM plans in the past year. If you're willing to use GSM phones, and have good T-mobile coverage where you live, I can't recommend http://ultra.me/ more. $20 per month (the $19 plan + $1 fee), and you get unlimited voice/text. And 100MB of 4G LTE i...
by slbnoob
Mon Jan 12, 2015 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 3992

Re: Looking for low cost cell phone plans...

I got Consumer Cellular as it came cheapest for relatively low usage and another phone for only $5 more. Other MVNOs I considered didn't have this option to share with another phone. For 2 of us, this was the cheapest.
by slbnoob
Sun Jan 11, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 3992

Re: Help me invest my HSA

I have the same HSA investment choices. I don't plan to keep a lot of HSA money invested but I will contribute to the max to save tax. However for whatever little I will invest, I was looking at MDIIX (Int'l Index, ER 0.6). When comparing with VGTSX, it doesn't seem to overlap very well assuming I w...
by slbnoob
Tue Jan 06, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me invest my HSA
Replies: 12
Views: 1178

Re: Can I fund Vanguard purchases with my Target REDcard?

SInce most people are confused: the REDcard in the OP is different from the redcard debit/credit cards which pay 5% for purchase. This is reloadable prepaid. on OP, I think this is another great idea for MS, if it can be done :) please let us know how it goes. In principle, you can buy/sell (for fre...
by slbnoob
Mon Jan 05, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I fund Vanguard purchases with my Target REDcard?
Replies: 40
Views: 3964

Re: Airlines: Could 2015 be another great year?

I will comment on an attitude I've seen far too often on this forum. People take the trouble to post something even though they claim that they don't know and don't care about a certain topic. Ironic isn't it? From what I see, the OP didn't explicitly solicit advices for building positions in airlin...
by slbnoob
Sat Jan 03, 2015 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Airlines: Could 2015 be another great year?
Replies: 16
Views: 2476

Re: What price are you planning to pay for your next car?

Tesla Model 3 or any established EV really in the 35K range.
by slbnoob
Sun Dec 28, 2014 1:38 am
 
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 6982

Re: [Article] Turn 1K to 1B using 1 stock a day

That would be a good exercise too: start with $1B and invest in the worst stock of the day in S&P500 :)

And the only thing remotely actionable (if at all) is that you're better off trying your luck buying lottery than attempting the above.
by slbnoob
Fri Dec 26, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: [Article] Turn 1K to 1B using 1 stock a day
Replies: 2
Views: 854

[Article] Turn 1K to 1B using 1 stock a day

This article describes what can happen if you call the correct stock in the S&P500 every day in 2014: an investment of $1,000 can turn to $179 billion.
qz.com
People who indulge in day trading may take some heart from it :)
by slbnoob
Fri Dec 26, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: [Article] Turn 1K to 1B using 1 stock a day
Replies: 2
Views: 854

Re: VTI went up, but VTSMX went down

TheTimeLord wrote:
InvestorNewb wrote:Please post the full names of the funds instead of only the tickers.


Your post is ironic given your signature.

Also, given numerous previous posts.
by slbnoob
Sat Dec 20, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: VTI went up, but VTSMX went down
Replies: 19
Views: 2565

Re: No Foreign Fee Credit Card - Exchange Rate

You might also consider availability of a Chip+Pin feature to use it in Europe (if you're going there). I've used the PenFed Visa Signature Rewards and found the exchange rate to be very good. Note that the reward category didn't perform the intended way in foreign countries because the merchants ar...
by slbnoob
Tue Dec 16, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1248

Re: Auto and Home Insurance Quotes

Does anyone know what happens to the dividends if one cancels their homeowners policy with Amica mid-year? Also, I understand that dividends are paid at renewal. However I can always cancel my policy after renewal, right, pocketing the dividend for the past year?
by slbnoob
Mon Dec 15, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Auto and Home Insurance Quotes
Replies: 14
Views: 1207

Re: Energy sector

Nope, this isn't round tripping. Baker Hughes was created in 1987 as the merger of two other firms, each of which had been independent for over a hundred years. The merger puts Halliburton in the number 1 slot, displacing Schlumberger. Most of the oil companies are pretty unhappy about this; there ...
by slbnoob
Mon Dec 15, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Energy sector
Replies: 56
Views: 4721

Re: Robinhood has Zero-Commissions - are you buying stock?

I just got an account recently. They have stocks and ETFs, no mutual funds that I looked for. I confirmed with them that they currently do not support retirement accounts (Roth IRA). With that, I possibly do not have much use for this account, but would still keep it for the future when they support...
by slbnoob
Mon Dec 15, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Robinhood has Zero-Commissions - are you buying stock?
Replies: 35
Views: 7753

Re: Estimated year-end distributions for Vanguard funds and

I'd suggest you edit the post to include the last '4' in the link. Otherwise people clicking on the link wouldn't get to the intended page. In the meantime, copy/paste.
by slbnoob
Tue Dec 09, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Estimated year-end distributions for Vanguard funds and ETFs
Replies: 4
Views: 687

Re: Credit card sign-on bonuses -- worth the trouble?

US Airways is now offering 50K with one use and annual fee only. I'm thinking of jumping on this. Rather I'll make my wife do it :) Their award travel dates seem a lot better behaved when compared to United.
by slbnoob
Mon Dec 08, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 6721

Re: Credit card sign-on bonuses -- worth the trouble?

After getting a mortgage recently, I have opened myself up to the credit card churning game. I got a PenFed Platinum for its 5% gas, 3% grocery (actual 4.2% and 2.4%) and no FTF for foreign travel. No bonus here and I paid for PenFed membership. With the same credit hit, I got the PenFed AMEX for 5...
by slbnoob
Mon Dec 08, 2014 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 6721

Re: Credit card sign-on bonuses -- worth the trouble?

After getting a mortgage recently, I have opened myself up to the credit card churning game. I got a PenFed Platinum for its 5% gas, 3% grocery (actual 4.2% and 2.4%) and no FTF for foreign travel. No bonus here and I paid for PenFed membership. With the same credit hit, I got the PenFed AMEX for 5%...
by slbnoob
Sun Dec 07, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 6721

Root or mod Galaxy S3

I have an ATT Samsung Galaxy S3 which I have unlocked and now use on Consumer Cellular. Since it has been more than 2 years since I got the phone, I was thinking I should "re-charge" my phone by rooting/modding it. I know there are many resources elsewhere but I wanted to get the Boglehead...
by slbnoob
Thu Dec 04, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Root or mod Galaxy S3
Replies: 3
Views: 548

Re: Has anyone seen this? Rich By Friday News Letter

Not trying to be sneering at anyone but frankly I was very surprised at the OP for posting that in spite of being a member since 2010 of this forum.
by slbnoob
Thu Dec 04, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen this? Rich By Friday News Letter
Replies: 15
Views: 977

Re: Trade off by $0.01

My post above just kind of got lost. I mentioned that I was explicitly charged an SEC fee of $0.01 for selling ETFs. Perhaps the OP should check their transaction statement (the PDF).
by slbnoob
Mon Dec 01, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Trade off by $0.01
Replies: 25
Views: 2455

Re: Trade off by $0.01

I did an ETF trade recently (my first sell) and noticed a "Securities transaction fee" of 0.01 which reduced my sell proceeds by a cent.
by slbnoob
Fri Nov 28, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Trade off by $0.01
Replies: 25
Views: 2455

slicedinvesting.com : access to hedge funds

Came across this today through someone I know who's working for this company: http://www.slicedinvesting.com/ They offer access to hedge funds with much smaller minimums to further "diversify portfolios". In their blog, they do show plots of underperformance wrt S&P500 but attribute it...
by slbnoob
Sun Nov 23, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: slicedinvesting.com : access to hedge funds
Replies: 4
Views: 475

Re: Experiences using VRBO, Airbnb internationally

I used only AirBnB for Paris, Amsterdam, Brussels. Would not do anything else. I also considered it for Iceland. Strongly recommended. Read reviews, contact a few and then decide. Location (for the price) was primary for me.
by slbnoob
Sun Nov 23, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 2724

Re: Heads up one of the better reward credit card I've seen.

I have a question about the Sallie Mae CC when it says 'book stores' does that include Amazon and everything they sell for instance electronics etc..? Edit: asked and answered: I looked it up, seems as if Amazon sales count as long as they are sold directly from Amazon and not a third party operati...
by slbnoob
Wed Nov 19, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 11154

Re: $400 reward to open Chase accounts

To answer my own question, I got mine too after an ACH push from a CU account which gets my payroll direct deposit. That ACH push though cost me $2 :) but I had to do it since I had to push >$500 in "direct deposit".
by slbnoob
Fri Nov 14, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 11193

Re: HSA strategy

Actually, there's some different advice in this thread: Bogleheads • View topic - Confused by Wiki Advice on HSA Spending Not really. I had read that thread and in fact that prompted me to make this thread. I would say those are two different situations. Again, I am not really utilizing the full va...
by slbnoob
Fri Nov 14, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1424

Re: Double Cash Credit Card from CITI

Louis Winthorpe III wrote:Is this exclusively a Mastercard or can it also be issued as a Visa?

From what I've seen on a different forum, it is a Mastercard.
In fact it is one of the primary reasons why Citi is not allowing other (VISA) cards to be "product changed" to this.
by slbnoob
Thu Nov 13, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2636

Re: Double Cash Credit Card from CITI

I wanted to ask why was that in doubt? Because it's not really 2%. Its 1% + 1%. If you redeem rewards then you're not getting that second 1% on every dollar spent on purchases. Probably close enough to 2% for most though. Yes, I know that. My comment was more tongue in cheek. If you redeem as state...
by slbnoob
Wed Nov 12, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2636

Re: HSA strategy

I have Chase HSA through my employer with horrible choices If I'm not mistaken one can transfer, say annually, your contributions to another, better HSA. So a hybrid approach would be to use the employer contributions for current medical expenses and allow your contributions to grow in another HSA....
by slbnoob
Wed Nov 12, 2014 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1424

HSA strategy

Currently, I max out Roth IRA and employer match 401K. I cannot max out the 401K. I have Chase HSA through my employer with horrible choices. Till now I haven't made any contributions to that other than my employer's. I am trying to prepare for some upcoming medical expenses in 2015. I will pay dent...
by slbnoob
Wed Nov 12, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1424

Re: Double Cash Credit Card from CITI

I wanted to ask why was that in doubt?
by slbnoob
Wed Nov 12, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2636
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