Search found 25 matches

by crazylightgirl
Fri Jun 16, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does this refinance scenario make sense?
Replies: 6
Views: 568

Re: Does this refinance scenario make sense?

Third federal has multiple complaints online
by crazylightgirl
Fri Jun 16, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Does this refinance scenario make sense?
Replies: 6
Views: 568

Does this refinance scenario make sense?

Hi all, Trying to figure out if this refinance scenario is a good deal as there are predictions rates may continue going up the end of this month Purchased 10/2015 Price $265000 Int 3.875% (30 yr fixed) loan $200000 P&I was $940 (int $600/principal $340) Made a lump sum payment of $100000 last m...
by crazylightgirl
Tue Apr 25, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5576

Re: $300+ to remove a racoon. Really?

I would trap it myself but since it may have babies, I don't want to separate mom from babies and have them starve to death, thus leaving a stench in my crawlspace.
by crazylightgirl
Tue Apr 25, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5576

$300+ to remove a racoon. Really?

Hi guys Has anyone had any experience trying to remove a raccoon from crawlspace or attic. I have one (possibly a mother with babies) that I need to get rid of quick due to work that needs to be done in my crawlspace. I've tried a couple of DIYs, like ammonia around the entry/exit point, critter rep...
by crazylightgirl
Thu Apr 20, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Recast vs. Investing vs. ??
Replies: 14
Views: 1224

Re: Mortgage Recast vs. Investing vs. ??

If the $100k is your pre marriage money then putting it into the mortgage is also commingling it. Personally, I would invest it in an account in just your name if it's your pre marriage money. But others on the forum have different ideas of marriage than I do. So would you invest the full $100k int...
by crazylightgirl
Thu Apr 20, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Recast vs. Investing vs. ??
Replies: 14
Views: 1224

Re: Mortgage Recast vs. Investing vs. ??

You might have to rephrase/update your post. I'm not following completely. Summary: You have $100k in cash (not counting Emergency Fund) and are considering putting it down on your mortgage. Once the mortgage goes from $194 to $94, you want to recast/refinance the mortgage to lower the monthly paym...
by crazylightgirl
Wed Apr 19, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Recast vs. Investing vs. ??
Replies: 14
Views: 1224

Mortgage Recast vs. Investing vs. ??

Hi guys, I'm trying to figure out what's the best option for me for regarding 1) reducing my mortgage and 2) investing. I do not want to post this question in the personal investing board because my question is really about recasting quick info: age: almost 32 married, 1 income debt: mortgage balanc...
by crazylightgirl
Sun Apr 16, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4922

Is spending 15K to furnish home too much?

Is spending 15k to furnish a home (valued at 300k) too much? I've seen some posts where people report spending on avg 2% of home value to furnish house but this seems a bit on the lower end. When I mean furnish, I mean everything down to the kitchen spatula. How much have you guys spent on furnishin...
by crazylightgirl
Thu Apr 06, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Oregon Form 1099-G shows Kicker instead of Refund
Replies: 19
Views: 7064

Re: 2016 Oregon Form 1099-G shows Kicker instead of Refund

Was anyone able to figure this out using HR Block?

thanks
by crazylightgirl
Sat Apr 01, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 11760

Re: Saving 50% of salary; what does it really mean?

I live in a state where the income tax is really high (one of the top 2 states), so it would make sense to look at net income rather than gross. But I still somehow manage to save 51% of gross, 77% of net. For those of us with debt (mortgage for us), is it better to pay off the mortgage balance ther...
by crazylightgirl
Sat Mar 11, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2 1099-Rs. Ignore reporting on Tax?
Replies: 3
Views: 710

2 1099-Rs. Ignore reporting on Tax?

Confused about how to report this... I received 2 1099-Rs from my 401k due to an excess contribution I made in 2015. One shows the amount of the excess and the other shows (I'm pretty confident) the gains from that excess, which only comes out to be $25. Well I tried to be proactive last year when I...
by crazylightgirl
Mon Feb 27, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Scenario Mortgage vs Student loans vs. Retirement
Replies: 3
Views: 520

Re: Scenario Mortgage vs Student loans vs. Retirement

At this time he is still finishing up school, then will have to get his license and look for work. At the worst case scenario it will probably until the end of the year to get this all out the way, so no 401k for him but I could put in his Roth. If I were to use the savings for equities, would it th...
by crazylightgirl
Sun Feb 26, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Scenario Mortgage vs Student loans vs. Retirement
Replies: 3
Views: 520

Scenario Mortgage vs Student loans vs. Retirement

Hi all, Looking for highly opinionated approaches to tackle debt while building retirement portfolio Age Him (33) Her (32) 6 months ER fund Fed tax 25%, State 9% No children yet 30-yr mtg 3.8% 195K balance (value 319) His student loans 100k (6.7%) - graduating June - projected income 40-60K entry le...
by crazylightgirl
Tue Jan 24, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with plumbing issues or any Plumbers here?
Replies: 30
Views: 2564

Anyone have experience with plumbing issues or any Plumbers here?

Recently I had a small disaster in my home with a broken pipe that caused water damage. The plumber says the type of piping system I have in my home, CPVC, is cheap and outdated. Newer homes are being built with PEX piping that can resist freezing temps. To make a long story short, it's going to cos...
by crazylightgirl
Wed Dec 21, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 3-fund portfolio. Asset allocation and fund choices
Replies: 2
Views: 522

Help with 3-fund portfolio. Asset allocation and fund choices

Hi. I'm not sure how to develop a 3 fund portfolio given my messy portfolio. Sorry I just discovered this site a year ago and it's just not clicking for me. Stats about me: Age almost 32 Portfolio: mid 6 figure (lower end) Emergency fund: 12 months Debt: Mortgage 97K, 3.8% Preference: 70% stocks (20...
by crazylightgirl
Tue Nov 29, 2016 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Are we on the right track for retirement?
Replies: 14
Views: 1899

Re: Are we on the right track for retirement?

Here are the answers to all the questions condensed How long have you been married for? Who's money is it that you're considering paying off the mortgage with? Was that earned while married or brought in to the marriage by one of you? We got married this year. The money is coming from my savings (no...
by crazylightgirl
Tue Nov 29, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Are we on the right track for retirement?
Replies: 14
Views: 1899

Are we on the right track for retirement?

Hi all, Next year will bring a couple of changes for my husband and I. He is finishing school and starting a career, I'm planning to pay off the mortgage and job is offering a new 401k Quick info: Me 31, DH 32 Emergency fund: yes 6 mo Fed tax 28% State 9% Debt: mortgage 197k (3.5% fixed 30yr), DH's ...
by crazylightgirl
Sat Sep 24, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Another refinance scenario. 15Yr vs Prepay
Replies: 2
Views: 462

Re: Another refinance scenario. 15Yr vs Prepay

Please excuse typing errors with auto correct.
by crazylightgirl
Sat Sep 24, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Another refinance scenario. 15Yr vs Prepay
Replies: 2
Views: 462

Another refinance scenario. 15Yr vs Prepay

I had a previous post about this but switching it up a bit so sorry for my multiple questions. Last time I promise! Stable job. I max out my 401k and Roth IRA with an additional savings of ~60k/year. This # may change with starting a family in the next 2 years Current 30Yr fixed rate @3.875. 1 year ...
by crazylightgirl
Sat Sep 17, 2016 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance with original lender @ 2.625%?
Replies: 12
Views: 1720

Re: Should I refinance with original lender @ 2.625%?

[color=#BF0000]Do any of these other offers sound decent (much better than original lender) but could I get better?: 1. LW: 2.625% rate, 0 points, $900 in fees, $2000 in 3rd party costs 2. SF: 2.75% rate, 0 points, no lender fees, $425 for appraisal, estimated $1200 for title, etc. Right now, at 3....
by crazylightgirl
Wed Sep 14, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Portfolio(Review) and Clueless About Rebalancing
Replies: 5
Views: 639

Simple Portfolio(Review) and Clueless About Rebalancing

Thank you for taking the time to review my portfolio and provide feedback. This forum is great! I'm really interested in mimicking a "lazy" portfolio due to a busy schedule, and quite honestly, not being too sharp on how to invest. I'm good at saving, but I struggle with choosing the right...
by crazylightgirl
Tue Sep 13, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance with original lender @ 2.625%?
Replies: 12
Views: 1720

Should I refinance with original lender @ 2.625%?

Do any of these other offers sound decent (much better than original lender) but could I get better?: 1. LW: 2.625% rate, 0 points, $900 in fees, $2000 in 3rd party costs 2. SF: 2.75% rate, 0 points, no lender fees, $425 for appraisal, estimated $1200 for title, etc. Last week I spoke with my origi...
by crazylightgirl
Fri Sep 02, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good refinance option?
Replies: 5
Views: 657

Is this a good refinance option?

Hi Bogleheads, Below is an estimate closing cost to refinance my home to a 15-year. Please let me know if this sounds like a good deal or if I can get better Thanks Currently: 30-year conventional loan (fixed) Purchased at 265,000 (Oct 2015) Loan amount 200,000 Valued at 300,000 (as of Aug 7th 2016)...
by crazylightgirl
Thu Aug 11, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving enough? Budget & Retirement
Replies: 8
Views: 1936

Am I saving enough? Budget & Retirement

Hi Bogles My goal in life is to save enough to retire comfortably at age 60 (hopefully). I'm not into the lavish lifestyle; hence why I'm in this forum. Just hoping I could get some feedback into my budget and if I'm saving enough to retire at this age and what I could tweak. Again, I know it's more...