Search found 409 matches

by slbnoob
Wed Apr 05, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on [May 1st], weighing points
Replies: 14
Views: 1311

Re: Closing on 5/1, weighing points

3 years ago, almost exactly this time around, I paid points to reduce my rate by 0.125%. Because "rates have nowhere to go but up". I repented that bet as I refinanced 9 months later and tried to 'recoup' by doing a zero closing cost refi. Another 1 year later, I was close to another refi ...
by slbnoob
Wed Apr 05, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 32
Views: 2516

Re: Where to buy new iPhone

Since the OP has been answered well enough, I'd request answer to a slightly different question.

I'm looking to get the iPhone 7, but only after the newer one comes out. Any strategy as to when are the best deals for those? Looks like I'll go the eBay route for a slightly used one.
by slbnoob
Fri Mar 31, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8559

Re: What career helped you become wealthy?

Does anyone trade/invest for a living? You won't find many traders on the forum; it goes a tad against the BH philosophy. But many here invest for life. They may not actively trade their own money. Any traders (by profession) or quants or other financial industry people? Curious to know if there ar...
by slbnoob
Wed Mar 29, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 117
Views: 10963

Re: Capital One 360 $200 bonus

$200 posted but I'm now considering keeping this one open. I'd transferred 10k from Ally where I was also getting 1%, same as here. Might as well keep it to allow one more option to do ACH when needed. Any reason to keep this open?
by slbnoob
Wed Mar 29, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12246

Re: Get $250 from Wells Fargo

$250 posted 2 days after the 10th debit.

Will BillPay a CC and close WF with 0 balance after that. Thanks!
by slbnoob
Thu Mar 23, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2787

Re: Why did my fund GO UP so much?

Actually that wasn't the only fund with a "really good day".
Yesterday, Yahoo Portfolios showed me that my VEIEX (Emerging Market Stock Index) had a similar "run-up". The similarity being that the increase was the price of the fund.
by slbnoob
Fri Mar 17, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 6270

Re: Endless Job Interviews (with same company)

ved wrote:Probably. But, what do you have to lose?

If I were the OP, I would say:
1) taking days off from work,
2) opportunity cost of not redirecting time/effort elsewhere,
3) mental agony of not reaching a conclusion to the invested time/effort.
by slbnoob
Thu Mar 09, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 2875

Re: Multiple job offers

... Firm A came to me with an offer a month ago and when they saw my current compensation, they rescinded the offer. Basically they had two candidates (including me) that they liked. Apparently they liked both the candidates equally and went with offering the candidate who was ready to work for les...
by slbnoob
Wed Mar 08, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12246

Re: Get $250 from Wells Fargo

Seems like it can be cancelled immediately after getting the bonus, right?
by slbnoob
Tue Jan 31, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 22
Views: 2764

Re: GEICO discount for Berkshire Hathaway shareholders

I told them I own it through Vanguard in a mutual fund (guess which one?). I got the 8% discount.
by slbnoob
Wed Jan 04, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Remote TV/RAD button question
Replies: 3
Views: 412

Re: Remote TV/RAD button question

student wrote:Try the input button which sits below the button you are referring to.

Right. That's how I currently do it. However the TV button is a straight shot to go to TV. The Input button route needs 2 extra presses :oops:
by slbnoob
Wed Jan 04, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Remote TV/RAD button question
Replies: 3
Views: 412

Remote TV/RAD button question

I have an LG TV (55LS4500UD). It had a remote which recently stopped working completely. Actually the buttons on the top half stopped responding which was mostly an inconvenience as we only lost a few functions. I bought an OEM replacement on eBay but they shipped me a newer model ( image ). This mo...
by slbnoob
Wed Jan 04, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 11
Views: 2241

Re: Penfed CC Rewards (hidden advantage if you like points to cash)

Heads up. The VISA gift card doesn't show up even with the search on the rewards site.
by slbnoob
Tue Jan 03, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with unresponsive recruiter
Replies: 11
Views: 1005

Re: what to do with unresponsive recruiter

I've found recruiters to be either very prompt (when you're being actively considered) or unresponsive (when you're not in the running, presumably). I gave up following up with a recruiter on the results of my interview after multiple emails to 2 different people.
by slbnoob
Wed Dec 21, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: MegaCorp to start-up
Replies: 8
Views: 1327

Re: MegaCorp to start-up

Thank you for your feedback. Yes, it is a lateral technical role (non-core-software). I understand that the figure I am asking for is rather high for a non-core-software technical job in any scientific/engineering company in the Bay area, much less a start-up. However I am in the fortunate position ...
by slbnoob
Sun Dec 18, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: MegaCorp to start-up
Replies: 8
Views: 1327

Re: MegaCorp to start-up

Thanks. The start-up states they have 401K matching but I don't know to what extent. Can't expect to be as generous as the MegaCorp (with profit sharing). Good point on the healthcare. Will need to get details on that, if it comes to that.
by slbnoob
Sun Dec 18, 2016 1:57 am
Forum: Personal Finance (Not Investing)
Topic: MegaCorp to start-up
Replies: 8
Views: 1327

MegaCorp to start-up

Some details about myself: I'm 4+ years into my first job out of grad school. I'm in the O&G industry and while things have been rather dire lately, I feel relatively 'comfortable' and progressing appropriately in the company. In my personal opinion, I do not expect this industry to be as great ...
by slbnoob
Mon Dec 12, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carbon Monoxide Alarm/Detector
Replies: 11
Views: 1159

Re: Recommendation for Carbon Monoxide Alarm/Detector

Any specific recommendation?
For me, plugged in sounds better than battery ones for walkways etc.
by slbnoob
Thu Nov 24, 2016 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: I've been leaving money on the table (401k)
Replies: 21
Views: 4577

Re: I've been leaving money on the table (401k)

On the other hand, I contributed a little too soon for the year. Now I realized that since I'll have no more contributions for the rest of the year, I'm losing out on company match :oops:

I'm an idiot too !
by slbnoob
Mon Nov 14, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 2096

Re: Should I change the job?

At my MegaCorp, getting an A (outstanding) at the performance review is a big deal, with only a small percentage of the population getting it at any one time. The managers have to be ready to explain to their managers and HR why this employee should get this rating. At the end of the day, it gets co...
by slbnoob
Tue Nov 08, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help in deciding between two Job offers
Replies: 13
Views: 1373

Re: Help in deciding between two Job offers

70k versus 55k
1 hour OW commute versus ... ?
Assuming the current commute is 20 minutes and given the other information, I think I may be tempted to stay if your current job offers 60k.
Did you ask if they are willing to go upto 60k?
by slbnoob
Thu Nov 03, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bad deal [Rent vs. buy for co-op]
Replies: 38
Views: 3123

Re: Bad deal

That is one long sentence. And I'm not sure if it even ended. :?
by slbnoob
Thu Nov 03, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance - Appraisal Value is low - Do I continue to refinance?
Replies: 21
Views: 1910

Re: Refinance - Appraisal Value is low - Do I continue to refinance?

Sorry, yeah I don't know why I was letting the proposed loan balance confuse me. So I would need to bring $17,800 to the table to get to 20% equity and remove PMI. The cost of the Refi is about $2,300 in total which is paid out-of-pocket as of now. Is it suggested to roll the costs into the loan? W...
by slbnoob
Thu Nov 03, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Can Garmin or Tom Tom GPS Navigator do this?
Replies: 24
Views: 2018

Re: Can Garmin or Tom Tom GPS Navigator do this?

I've felt the need to simulate trips previously especially while planning a trip in another country. I didn't get too far with this but I only tried it on a borrowed Garmin. As an aside, the reason I could try this on a Garmin is that Garmin allows using open source maps. I put various maps and con...
by slbnoob
Thu Nov 03, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Can Garmin or Tom Tom GPS Navigator do this?
Replies: 24
Views: 2018

Re: Can Garmin or Tom Tom GPS Navigator do this?

I've felt the need to simulate trips previously especially while planning a trip in another country. I didn't get too far with this but I only tried it on a borrowed Garmin. As an aside, the reason I could try this on a Garmin is that Garmin allows using open source maps. I put various maps and conf...
by slbnoob
Thu Nov 03, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Refinance - Appraisal Value is low - Do I continue to refinance?
Replies: 21
Views: 1910

Re: Refinance - Appraisal Value is low - Do I continue to refinance?

As the posts above say, you have a wrong notion of 'loan balance'. It is what it is 193,800. You are however almost correct in saying that if you bring 16,700 to the closing, you will eliminate PMI. In that case, you loan balance will become 193,800 - 16,700 = 177,100 which is 177,100/220,000 = 80.5...
by slbnoob
Tue Oct 25, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 50
Views: 7533

Re: HSBC Bank- Easy (???) $350 bonus

How long does it take to receive the temporary password in the mail after getting the 3-4 emails (with temporary registration)? I got the emails last Friday. Funding money got debited out of my account on Monday. No mail yet.
by slbnoob
Tue Oct 25, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 4718

Re: Easy $300 bonus- Key Bank

4. Don't live in one of the "available states"? I don't , but it seemed to take my promo code for the bonus and let me open the account, so I think it will probably work. I'm hesitating to open because I'm not in the "available states". Not sure if the bonus will post. Are there...
by slbnoob
Fri Oct 21, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrencies: The Wild West of Investing
Replies: 12
Views: 1648

Re: Cryptocurrencies: The Wild West of Investing

bitcoin has been marred throughout its existence by a seemingly endless number of failures and/or scams that have cheated bitcoin owners out of large amounts of money. The bitcoin advocates have an answer for everything--the answer is always that people who lost money bought or stored their bitcoin...
by slbnoob
Tue Oct 18, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing After 1 Year
Replies: 39
Views: 3209

Re: Refinancing After 1 Year

I did a 0 cost, 25 year refi, 7 odd months onto a 30 year mortgage. 25 is also an option. ask your lender. now looking at 20 year, 1.5 years into the 25 year mortgage.
by slbnoob
Thu Oct 13, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Bank promotion- PNC Bank
Replies: 10
Views: 1509

Re: Bank promotion- PNC Bank

On a separate note, I got a targeted offer from Regions Bank to open a lifegreen checking account and get $400. I shall oblige :)
by slbnoob
Wed Oct 12, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: AnnieMac Mortgage: any experience?
Replies: 3
Views: 369

Re: AnnieMac Mortgage: any experience?

The name is indeed misleading, but it is just another online lender. However a lender whose rates are in a different class than the others when they do advertise on zillow. I've been tracking the rates for a while, so this observation is over a few months. Mind you, they don't always show up on zill...
by slbnoob
Wed Oct 12, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Bank promotion- PNC Bank
Replies: 10
Views: 1509

Re: Two bank promotions- Citibank and PNC Bank

Have to go in branch. No PNC Bank here
by slbnoob
Tue Oct 11, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: AnnieMac Mortgage: any experience?
Replies: 3
Views: 369

AnnieMac Mortgage: any experience?

I've been tracking the interest rates for a while (for another refi). One name which keeps popping up on the top of the list (on Zillow) is AnnieMac Home Mortgage. Their rates are cheaper than the rest. I've read their reviews there and nothing stands out. Apart from that, there isn't much else to g...
by slbnoob
Tue Sep 20, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 6205

Re: How I circumvented Chase's 5/24 rule

I'll share my DP. Walked into a branch. Asked for any pre-approval for credit cards. Ensured that the pre-approval was indeed 'true'. This meant making sure there was a fixed interest rate on the pre-approval, not a range. Then applied for the CSR. Got approved with 35k limit. This was after being r...
by slbnoob
Fri Sep 16, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 3165

Re: Baby deals

Any recommendations on re-usable or cloth diapers?
Diapers are a money pit and that's not even what I hate about them the most. Imagine so many babies' diapers filling up the landfills after so much resource was put into making them.
by slbnoob
Fri Sep 16, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Nisiprius Investments Unveils New MDF Factor-Based Fund
Replies: 44
Views: 3598

Re: Nisiprius Investments Unveils New MDF Factor-Based Fund

'crack' research team inviting us to invest money? What can go wrong?
by slbnoob
Tue Sep 06, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 302303

Re: Mango prepaid card - 4.8% (effective) APY

Missing money in my account today. Thanks to those who called!
by slbnoob
Thu Sep 01, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 302303

Re: Mango prepaid card - 4.8% (effective) APY

Same here. 2% for August. I just called them. I was rapidly told it was a known issue and they are working on it, but that since I called they would escalate it and I should expect it to be corrected and receive a call back about it within 48 hours. BTW, once I entered my info and got through the m...
by slbnoob
Thu Sep 01, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 302303

Re: Mango prepaid card - 4.8% (effective) APY

Same here. 2% for August.
by slbnoob
Mon Aug 15, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 2142

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

My daughter, who is unmarried currently, is trying to decide between a 2016 Rav4 Hybrid (AWD) and a 2016 Honda Pilot (FWD). The cost is similar as the Pilot is the base model but the Toyota Hybrid is only offered in a higher trim line. The Pilot is roomier but the Hybrid offers a big savings in fue...
by slbnoob
Tue Aug 09, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: AliExpress.com?
Replies: 7
Views: 755

Re: AliExpress.com?

Bought various (small) items over the years. Prices can be hard to beat if you are prepared to wait for long shipping times. No complaint yet.
by slbnoob
Thu Aug 04, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance w/ Aimloan?
Replies: 25
Views: 2290

Re: Should I refinance w/ Aimloan?

Thanks for the info. They currently offer a credit towards closing. The individual I spoke to mentioned that the only additional cost could be any HOA fees they may charge to sign off. It just sounded a bit too good to be true. Below was the semi generic quote I received... Guaranteed Origination C...
by slbnoob
Thu Aug 04, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 30 yr fixed @ 3.75% to 15yr fixed @ ~2.8%: Advice on Refinancing
Replies: 27
Views: 2453

Re: 30 yr fixed @ 3.75% to 15yr fixed @ ~2.8%: Advice on Refinancing

2 years ago, I had a 30 yr at 4.25% after paying 0.125 in points (sunk cost). Last year, I refi'd to 25 yr at 3.75% with no closing costs. Currently looking at 20 yr at 3.375% with no closing costs. I shopped around but didn't get any better offer than this.
What would you do? :)
by slbnoob
Wed Aug 03, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: lab fees /w HSA
Replies: 7
Views: 603

Re: lab fees /w HSA

From what I can glean from the info provided here, it seems like you have a HDHP with an HSA. Then, you would have to meet the (high) deductible before anything starts getting covered. Typically, after the deductible is met, a percentage or fixed co-pay applies to subsequent services till the out of...
by slbnoob
Tue Aug 02, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 302303

Re: Mango prepaid card - 4.8% (effective) APY

As an alternative to closing out the card, how about simply leaving 5k in there and earning the 2% without any hassle? Seems like the 2% doesn't have any ACH requirements, right?
by slbnoob
Mon Aug 01, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: 15 year 2.75% refinance mortgage
Replies: 34
Views: 4188

Re: 15 year 2.75% refinance mortgage

For my input, I do not see zero closing costs anywhere on NWFCU. I only see 0 points. Am I missing anything?
by slbnoob
Mon Aug 01, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What does a real estate oil bust look like
Replies: 18
Views: 2290

Re: What does a real estate oil bust look like

I haven't done any analysis on the Real Estate data. But I'll give some anecdotal data about what I've observed around here (Katy). Home prices haven't dipped from last summer. At best, they're stabilizing, but still higher than last summer. There are more houses for rent though! Renting houses seem...
by slbnoob
Fri Jul 29, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 3817

Re: Airbnb rental review

What you wrote here explained the situation to us. It would likely help out the next renter too.
If the host was nice and responsive, and did everything they could (as you said), I would modify your OP slightly to have a nicer, non-complaining, factual tone and post it.

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